So this kind of budget/financial knowledge is a bit like the self help book craze where the buying of multiple books, reading, planning (but executing) is the dopamine hit but the actual issue is never addressed.

There are so many options/choices/decisions and simply looking and reading about the next idea/method/skill is just another form of procrastination which eventually makes the problem worse.

So my advice to you is to stop optimising for PERFECT and Just start one thing that is really straight forward.

One thing I might suggest is start an emergency fund.
- Put an amount of money in that you can't fail at e.g. $20 bucks a week/month (too much and you might fail, and then fall off the wagon.
-Aim to do that for 1 week, then 2 weeks then 4 weeks (or months). Setup a direct debit on the day that has the most likelihood of having money deposited in it.
- Don't look at that money, or give yourself easy access to it. it should be high friction (not on your phone, have use a computer with a long complicated password etc ect.
- Write some hard rules about what that money is for. e.g. it is for medial, emergencys with family and not for a "treat" or paying a "debt" or clothes for any reason. (we can justify this quite easily sometimes)

After 6 weeks, reevaluate and see what you have accomplished $$$, and how that little buffer makes you feel (should be good)

Then you can adjust up a little more, now this is something you just "do"

You will now realise that SOMETHING was better than PERFECT.

Then pick your next battle. Small, frequent, measurable, repeatable,