How do I stop the urge of getting myself ruined?

So most of the days I am pretty fine and don’t give in to my temptations of serving or send but on somedays idk what happens to my brain chemistry that I start craving things that I know will hurt me or make things tougher for me, ex - a drain or financial ruin.

Idk how do I stop this pattern of wanting such fucked up things and getting so needy for them that I can’t think anything else.