dear hindustaniji....
'vinaasha kaale virpeet buddhi'....this sums it all up!i have always believed that it is one's karmic baggage and the associated planetary positions, that makes one act or behave in a particular manner...in my case, not saving any money for what you have mentioned very rightly..the 'rainy days'...
and now that the damage has been done in my life, all that i am looking at is to find some corrective measures, to at least lessen the impact of my folly!
many thanks, once again