I’m poking the hornet’s nest here and offering a bit of tough love.
“I don’t have time.” “I don’t have the money.”
The more you dwell on what is negative, what is not, about your life, the more it bothers you. The more it feels as though there are forces working against you.
Time… Every single person on this planet has the same number of hours in a day.
Money… In this moment, what you have is what you have.
If you take both of those as givens (which they are), in the context of 24 hours in a day and the resources you have available, set your priorities and make your choices. And then commit fully and whole-heartedly to those choices.
There may be a long list of things you want to do. No one can do everything in his/her life in one moment.
Choose. Think of the power you have there. You get to choose your next step. Do it and revel in it.
You have exactly enough time and exactly enough money for your one step in this moment.