In the USA....there is a commonsense financial advisor named Dave Ramsey who has a nationally broadcast radio show and also has a website that might be helpful.
The techniques and theories he offers should translate into other countries to some degree.
His big thing is helping folks get debt free and he offers some very hard nosed advice.....good advice
It is about changing habit practices and spending habits for him.
You might hit the internet and see if you can find his site.
It is free so not trying to sell anything here.
I wish I had learned of him back when I was young....instead of having to learn these lessons the hard way.