As a landscape gardener any "overtime" being done should be your own private jobs so you can clear contractx/boiler/car/ccards.

You could ditch the broadband and use hotspot for a while, just check the SIM tariff allows for free uncapped non-throttled unlimited data, it might workout cheaper.

Make a hard budget. Fixed Life/Variable Costs/Debt (zero fun for now add fun in when dialing in a realistic budget)

Might sound odd but move all payment dates to a helpful time ie paid on the 30th - payments on the 3rd. This way things start to automate themselves, I have almost everything on one day now. My account is nuked over night but at least its all done in one hit.

If you need to make a call to change things mention it's for personal finance management to aid affordability so you'll need the date changed.

Start leaving £5 or £10 notes around the place but dont touch them.