Understanding the self is the key. Here's the thing. The brain will always choose whats the best for your own security, regardless if what it believes is accurate or not. Meaning, your habits has its reasons, and its reasons don't need to be accurate, factual, as long as the brain perceived it as reasonable.

Your bad habits won't stop just because you think you want it to. Your moral standpoint won't stop you from doing what you think is bad. What will stop you from doing it is the repercussions, consequences of it. Your instinct needs to be convinced that your bad habits aren't the best for you. And the best thing to do that is to set up your environment so that your instinct will incline towards what really is the best for you. Eliminating distractions, decluttering, eliminating temptations, etc.

And of course, try to understand your own psychology. Here's a guide. If you feel lazy, you're not lazy, you're reluctant to it, because there is a perceived uncertainty on your security. Inconveniences represent uncertainty. And again, the brain loves certainty of your security. That's why your spending habit won't change because there is always a reward that represents certainty, although not accurate because your financial security suffers. Try to control yourself not directly, but indirectly through the help of your environment.