Comment by TimTheTinker

I totally get it and have been through exactly what you describe many times.

What finally helped me was (a) the advent of online services for nearly everything, so I can do it all in one session and not have to do multiple steps to accomplish something (or any back-and-forth phone/mail), and (b) a "just do it now" mindset. Like, when a bill comes I somehow finally have myself psyched to pay it online right away (don't ask me how I got here, I don't know. Maybe it's because I tied money handling to checking my bank balance when I get a paycheck - that's when I do most of my banking... seeing a higher balance and moving money around (and by extension, paying bills) feels exciting now to my lizard brain.) Otherwise, if I don't take care of it right away, I know it'll literally never happen.

I know that if I had been born 20 years earlier, I'd have a much worse credit score and probably be much poorer due to late fees. Online services and auto-bill-pay make such a difference.