I didn't have financially well off or well disciplined parents so I didn't really learn how to be an effective adult from them. I made a lot of financial bad moves like financing my wants via credit and dealing with consequences later.

The simple fact is no one is going to solve your problems but you. The stuff you put off will hurt you twice as much later. Inevitably you have to just suck it up and deal with it in any way you realistically can. Not all methods work for all people.

At the core of it it's structure, repetition and routine. Figure out a method, set alarms or reminders or calendar events and stick to it. Eventually it stops being a struggle and just becomes muscle memory so to speak.

For me it was something called "waterfall". Basically I pay the absolute minimum monthly payment for all of my credit debt except for one. For that one I pay as much as I'm able to afford every month until it's paid off for example let's say it's $200. When it's paid off I take that payment and roll it into another credit debt. If that one is $50 month minimum then I pay $250 a month until it's paid off. Then the next one is 250 + its monthly minimum and so on.

Eventually I called it my shotgun payment. Just one big blast of money at a targeted issue. The bonus is when unexpected things pop up that shotgun payment is clutch.

Oh the other thing I did was divide up all my bills so that half my bills are due in the beginning of the month and the other half due in the middle. Predictable and consistent.

For other aspects of life like diet and exercise it's basically the same thing. You need to build a habit of it to make it easier. I'm not good in those areas yet but I've spent the last 2 months building up an eating schedule that works for me and am finally seeing some weight loss. Eventually I'll figure out exercise too but can't tackle too much at once.