I actually could go into great detail why you shouldn't be in that position, or more exactly why it's so attractive to get out of that position, but when I do that monologue I sound like a teacher talking to a child
Suffice to say we all do things we shouldn't - not enough exercise, don't go to bed at the right time, don't eat right, don't save enough, etc etc etc.
The best solution is to create a plan which will take you from the position you're in to the position you can realistically achieve, while being realistic about your actual month to month expenses. Decide how much you can treat yourself along the way realising that if you do it too much it'll stop you achieving your goals completely or delay them.
But it's very very easy to see what other people are doing wrong, and very easy to be critical. Life would be easy if we could all just make the right choice every time.