Successful management of personal finance is like any resolution. One must learn how to take action, resolve to make it happen, find the willpower to persevere, and then turn those actions into almost mindless habits.
If you want examples of how that process works, you can just ask the good folks of The Villages, Florida, Sun City West, Arizona, or Sun City Center, Florida.
The bronzed retirees enjoy pickleball, leisurely golf cart trips to gourmet restaurants, mid-day dips in the pool, and impressive credit scores.
According to WalletHub, these cities have highest-in-country credit scores (insert golf clap) and it's likely because these people have developed rock solid personal finance habits of budgeting, paying bills on time, borrowing wisely, frequently tracking accounts, and protecting themselves against identity theft.
And it comes easy. It's a habit.