I need help.....

I feel so ashamed of myself - I thought i would have learnt my lesson by now.

I'm a 27 year old female and i'm faar from financially responsible. Since i was 19, i've lived in over 15 different homes (i left through various reasons), ive built up £4k debt and i still can't manage my finances properly. I've got a real problem with spending money on clothes - i borrow money i can't afford to may back from these 'Cash till pay day' shops. I don't have any credit cards because no bank will give me on (blessing), but each month i get paid, i blow it into oblivion on either clothes or socialising. Ive just moved in with my boyfriend after living with my mum for 2 years (only £120 keep, that's all my outgoings were), and now, my bills are £450 a month. I bought some bedroom furniture for our home (it's his house legally), and then cancelled it because i needed the money for spends for my holiday (which i came back last week). I then had to own up why i'd cancelled it and i felt so ashamed. Ive gone overdrawn on my account with numerous cheques that are cheque guranteed and my bank charged me £200 in one month for charges which left me even more in debt each month. I have no savings, i dont even own a car (and i passed my test nearly 2 years ago), all i own are my clothes and a cd system - i feel so ashamed of myself....

I did save up £2500 back in March this year which was supposed to be for a car, but then temptation got the better of me and i blew it on clothes, socialising paying for my holiday, course fees (i work full time, but go to college of an eve). I cant believe i threw it away....

When i was 19, my mum gave me £5k after selling the family home - i also too spent that on furniture and a computer for my flat i lived in at the time. All that got sold 12 months later because i got into financially difficulty... I even cancelled my pension at work 2 years ago because i thought the extra £15 a month they took out my wages would feed my addiciton to spending...

Please help - where do i start? Ive been paying my debts off the last 4 years via Payplan at £50 per month (i can afford more, but i wont because all i think of is 'clothes' and 'socialising'), but then i miss the odd monthly payment to payplan because i end up overdrawn and can't pay my Direct Debit....

Where do i end all this heartache and addiction? I have problems trying to 'save' any money at all and i so want to. Im frightened i'll end up dipping into the savings account and then it's all gone.

Ive been in the same job for 6 years and want to change my career and go to uni in sept - 2009. Can this still be an option for me even in my financial position? How can i turn myself into someone who's addicted to spending on clothes and into someone who is financially responsible and never ends up in the red?