Reply To: What do I suffer from?

I would just caution you that if you find the planning and organizing isn’t working for you, don’t beat yourself up. Like, yes, it gives you a sense of control and it can be really effective to hold yourself accountable, but you may need chemical help even getting motivated to do it. Most or all of us on here are not mental health professionals, but with your history I am skeptical that you’re not suffering from depression right now.

But yeah, to fix your financials, the recommended first step is to just start writing down everything you spend your money on for a couple months and get a sense of your patterns, where you could cut back, and how much you spend in relation to how much income you bring in and how much you save.