Yes, I will be playing the role of Boomer Scold here....
On the Physical Fitness Side: Maybe spend less time sitting in one place pretending to be Getting in Touch with Yourself/Embracing your Inner Calmness/ Insert Even More Twee BS Here and more time doing cardio and lifting weights? I mean, being calm is a good thing, but all that sitting isn't doing a damn thing to strengthen your heart and lungs, and it's actually encouraging the development of hormonally active excess adipose tissue which will, if allowed to grow, will wreck havoc on that Mood you are trying to improve. As the young people say, get off your butt, go outside, and touch some grass.
On the Financial Fitness Side: Maybe stop spending money recklessly, pay all your bills on-time, use credit only in emergencies and live within your means instead of relying on high-interest unsecured loans just because they are only a tap on your overpriced phone (which is part of the reason you have money problems, you moron.) It's amazing how easy it is to get a low-cost loan when you have a good credit score. It's amazing how easy it is to keep a good credit score when you break your addiction to spending and stop looking for a way to get Peter to pay Paul.
In both cases, the first step is to stand up, get off your phone, and get to work. Start by Adulting.
Ok, Boomer Scolding over. For now.
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