In January, everyone decides they are going to fix their finances. They download budgeting apps, promise to stop buying coffee, and swear they will invest every spare penny. By the second week of February, the apps are deleted and the habits revert.
Motivation is a finite resource. You cannot run your financial life on willpower.
Design for Laziness
The most successful wealth builders I know are financially lazy. They don't check their accounts daily. They don't track every receipt. Instead, they spent a few hours building an automated system.
Set up your direct debits to pay your bills the day after you get paid. Set up your standing orders to fund your ISAs and savings on the exact same day. If you automate the right decisions, you don't need willpower. You just need to let the system run in the background while you focus on living your life.