Thank you for writing this.
One thing that has helped me is to always hit the ATM and pay cash when I go out. It is so easy to give the bartender a credit card and run a tab after a rough week when you stop for just a couple of beers with friends. It seems that always more friends show up and the next thing you know your tab is out of sight.
Paying cash for every round reminds me of when to call it a night.