Seeking expert counseling is a sign of strength. A personal relationship with a caring professional is proven clinically effective.
I am so sorry that your are having such difficulties managing your life. Perhaps you never had the opportunity to develop self-discipline and self-reliance when you were younger, and were thus unable to form such positive routines.
Even if this was not the case, and you did have to work your way up to this point, through diligence, you have now reached a point in your life where you can no longer focus or commit your efforts, or even control your very enthusiastic social life and the spending that goes with such a lifestyle, to your detriment.
I suspect that you may be suffering from Bipolar Disorder, a mood disorder characterized by both depression and mania. Often, one mood prevails over the other, and in your case it appears to be mania.
Mania can included exaggerated self-esteem, reduced need for sleep, increased talkativeness, racing thoughts, flights of ideas, easy distractability, poor judgment as shown by excessive spending, out of control sexual adventures, bad investments, reckless driving, gambling, and so on. Depression can lower your motivation. All in all, Bipolar Disorder can explain these phenomenon, and leave you feeling that you have become irresponsible.
I strongly urge you to see a medical doctor who specializes in mental health issues, and that would be a psychiatrist.
He (or she) can fully assess you and if you do have bipolar disorder, can begin treatment to get your moods stabilised, and help you to calm down your out of control behaviour (spending and partying beyond your means), and restore your motivation and focus.
Bipolar Disorder is very treatable, and I know successful individuals (and even a prominent psychiatrist) who continue their careers and lives while under treatment, and have become quite stable, as you can.
I wish you great success.
Elliott Sewell, MAE, LPCC, NCC, CCMHC