If only I had (past participle)

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If only I had (past participle) is used to express regrets. It means "I wish I had (past participle)".

If only I had (past participle).
past participle sentence
written it down If only I had written it down.
been more careful If only I had been more careful.
not spent so much money If only I had not spent so much money.
not said that If only I had not said that.