Re: Regrets..
mosinaf, most of the people who are "independant" in life go thru this sort of time. As X2 said, whatever decisions you made, at that time, those were the ones that appeared as the ones with the best outcomes, even tho later they may have turned out bad. Now looking back you are thinking of those other options that you had at that time, which now look that they may have been better, but maybe if you had taken them they may have landed you in worse situations. You don't know.
What you do know is that, even though you had (notice the past tense) problems you have realized what went wrong. As someone wise once said, identifying the problem is a problem half solved.