To be honest, the games aren't that difficult if you're willing to put in a little extra effort towards making money at the start. Hoard everything you find, and sell it all for the most you can get. Make multiple trips if needed. Also considering fiddling with the difficulty slider. You can game the system if you lower the difficulty to weaken an enemy, then max it out right before killing the enemy for easy increased XP.
On topic, I remembered another game I have bad saving habits for - Civilization III. The game is so addicting for me that hours will go by without my realizing it, and I have often had a glitch or crash or "accidental" missile launch occur, only after which realize the last save was 3 hours before.