When I get down

Sometimes I get down over things that others don't see as being a major. Everyone who knows me, knows I struggle with money. I always have. I can never seem to stick to a budget; I can never seem to save, and I just dig myself into a deeper and deeper hole.
I spend irrationally, I buy things I don't need, I smoke, I put myself in this situation. Since I know that I put myself here, it is one of the hardest times to ask for help. When I know in my head and heart that it is all my fault, and someone offers help, I can't bring myself to accept that help.
This all being said, when I get down over a situation I have put myself in to, I often need to be left alone.

How to deal with me when I'm down:
a) Make me have a nap, this solves things 60% of the time
b) Did I eat recently? This effects my mood a lot
c) Am I safe from myself? (If no, skip this step) I will tell you if this is not the case. If I am safe, let me shut myself in my room. This works especially well for problems I can solve on my own, such as money issues or study issues. Anything I can plan, I can solve on my own. I may cry, I may say things I don't mean, but I am learning how to cope when I feel like this.
d) Take me out of the house. To your house, for a walk around the block, to the shop, wherever. I am like a dog and need to leave the house frequently.
e) If none of the above works, or I am not safe, stay with me. Watch a show with me, tell me a dumb story about your day, or something else totally unrelated to what I am dealing with (99% of the time I will tell you what I'm upset about). If you are unable to stay with me due to life commitments (I understand, not everyone can be free when I need them, and that's okay! I love you still), please find someone else who can. Often my self harm actions are impulsive, I can feel unsafe but able to cope, but the next minute I have lost control of myself.

When I'm starting to seem (and feel) better:
I'm very embarrassed. My behaviour when I'm down is not representative of who I am, please always remember this. I am working hard to improve my skills so that I feel this way less frequently, for myself, and others. Often I will spend a lot of time by myself, still seeming "down", avoiding eye contact, not saying much, or seeming like I ignore you. I'm just embarrassed. It's not easy to apologise for my moods.

Things to remember when I'm down:
a) I love you.
b) You being there for me means the world, my friends are angels I do not deserve in this life.
c) This isn't me.