Easy one I got burned by many times until I got the message was to have my bills paid on the first day of the month so they were out of the way and money I earned going forward would first cover next months bills and whatever remained into savings
Was a very hard long term lesson but it has served me well since I got it down
Also, getting a good sleep leads to better decision making in all aspects of life and makes you more likely to tackle the stuff you’ve been putting off.
It’s amazing how much money you can save by being well rested.