What may be more useful with finances would be to sit down with 3 months of bank statements to see what the money is being spent on and what areas you may be able to cut back in. I also find with my mental health is setting smaller more bite sized goals. For instance, I set a timer for 5 minutes and meditate or stretch for those 5 minutes. If I can keep going beyond that great but if not I know that 5 minutes is a great start and over time I will build on that behavior through repetition.