Make no mistake, this section is what not to do.

But we thought it would be a nice group catharsis to send along some financial confessions. We advise you to read ‘em, learn from ‘em, and NEVER repeat ‘em.

Confession: Christina, 27, Seattle, WA

“My doctor is the best (he’s great, aside from the fact I have a small crush on him). My company switched insurance plans so now he’s out of network, but I didn’t want to stop seeing him. I went anyway, but now I’m stuck with a bill for $500.”

Confession: Bonnie, 25, Boston, MA

“My boyfriend and I are about to celebrate our first anniversary and I want to do something special. I was just approved for $500 on my Victoria’s Secret credit card, and I found myself spending $450 in one visit, just on a few lingerie sets. I can’t possibly let him know how much I spent, because that’s not sexy.”

Confession: Amy, 26, Miami, FL

“I joined my friend’s really nice gym for $85 a month, even though all I really need is a treadmill.  We were supposed to go together twice a week, but she just moved to Philly and I’ve been so busy that I haven’t been able to go at all. But I already signed up for the year contract!”

Confession: Taylor, 25, Boulder, CO

“I went out of town for the week and didn’t notice that my credit card bill was due while I was away. I got home and paid it a day—ONE DAY—after the grace period, and now I’m stuck with almost $50 in fees! ”

Confession: Betsy, 24, Annapolis, MD

“I wanted a puppy for three years, so when I found Lucy, I couldn’t stop myself from buying her. I was a college senior and took $600 out of my student loan money (that’s how much she cost!). But I didn’t account for shots, getting her spayed, paying for a dog-walker when I was in class, etc. That cost $1,000 for the first month, and about $500 for every month after that. Lucy is as adorable, but I can’t afford her.”

Share YOUR confessions with us (anonymously!) by clicking HERE.