Yep, if we can sidestep the politics, there's some good financial advice about generally helping yourself here. I know Elliott was trying to help people understand the financial side of this post way more than the other bit.
My own experience from my job but also my own life growing up tells me that money will always revolves around 'priorities'. That's where most of us differ because we ultimately see different things in life more or less important than the next thing.
You'd be so surprised that how many people out there have a mortgage but don't see it as the highest, top priority to pay. If you don't pay that, you would end up not having a roof over your head or your family.
I tend to separate the absolute must direct debits out, get them as cheap as you can but then make sure they're always paid no matter what. Everything else then is optional...but clearly then self-control is needed if you want to start saving alongside spending.
There's something about routines in this somewhere. The more regular you can save on a consistent basis means you will also having a spending pattern to match it.
Monzo is awesome btw. Functionality is amazing in their app.