English help, 10 easy points.?

As of right now, I have a lot of debt. I think it is my fault; I shouldn't spend money unnecessarily as I currently do. The problem is that when I take a walk I usually end up taking a trip to the mall, and that is where I mainly spend my money. So far, I owe more than fifty-thousand dollars, but at least my income is more than enough to pay my debt in a long term. Another thing that increases the problem is that I spend lots of money when I go out with my girlfriend, because, although she works watering in a restaurant, she likes to spend money as though she was millionaire. She doesn't save money at all, just like me. I guess the next time I take her out, I will have to tell her that I'm in a lot of debt, and that it's time to save money.