Complete failure to understand the first, very simple, rule of money management:
"You can only spend it once".
No sympathy, I'm afraid.
You don't need to spend tens of thousands of pounds renovating, nor do you need to spend money on school fees. You may want these things, and you may perceive that want as a need, but if delude yourself to the point where you take your eye off the ball of the real essential, ie actually being able to afford the roof over your head, then you have only yourself to blame when it all goes tits up.
And yeah, the author's gratuitous whingery is tiresome, but she's got rent to pay, hasn't she?