I Am Trying to Break My Bad Habits

Lots of habits here that could easily be tamed, I see. 1,2,4 are imperative to get in order, 3,5 needs constant attention and maintenance. This is something I definitely can help you with

Think of the money you could save by breaking 2, and 4.

I am a mentor and if you was in the UK i could help you with this

Belts to butts is needed. You and hubby need to go through CP boot camp. It's to train the wife in better behavior. Your behind won't be happy but hopefully it'll get you on the right track.

1 being late work work is bad because that show's you are not reliable
2 Smoking that could be your nerves so you will have to find a way to calm down then the hurg to smoke might go away. Do you really want to stop smoking because if you do ask your Dr.
3 Well yes its your house and you should be able to take your clothes off anywhere you want . But it makes the house look dirty so make it a rules you take your clothes off in the bedroom only if you take them off anywhere else you will put $2.00 in a jar
4 set all your bills on your phone so you can pay them on your phone and set up your phone so it reminds you when the bill have to be paid.
5 Well bedtime sure be 10 or 11 pm if you get enough sleep you will get up on time well maybe you should have an alarm with two settings .

Number 5 is so on my list. Add eating crap when I know I shouldn’t lol

Focus and determination!!

You have a good life

Very good

Good job

Based on #3, do you go around naked at home a lot?

Kinda sounds like more than a few... and all not good.

I'd love to help you break your bad habits.