<human>: Can you provide a brief overview of the text?

I'm an idiot. Despite being quite good at being frugal and investing in the last year, I'm still given to occasional idiotic mistakes.

I just got covered under my company's health insurance, and got vision insurance. Went to the eye doctor's office and somehow got talked into spending $300 on designer glasses. I usually buy the $35 ones from Zenni. 

Had store immediate buyer's remorse, called the office and they said they couldn't refund them, as they've already been made.
I can pay for these, but I won't be saving anything this month, and I'll probably have a little bit leftover that I'll still need to pay off next month.

My Mom recommended disputing the charge through my credit card company. How much would this hurt my credit asks how unethical would it be?
<bot>: Idiot with new health insurance spent too much on glasses, regrets it, can't get refund. Any hope for him aside from being a not-idiot in the future?