Have you been feeling guilty about your financial mistakes?
Get over it.
The sooner you can accept that those mistakes were your past, the sooner you can start to plan your future.
I made a purchase a few years ago that I beat myself up about for quite some time. It was very much a "want" and not a need. It was more than I should have spent, and it bothered me for a while. Then I got over it. The change came when I put that purchase in perspective with what I was doing in other areas to help my wife and I's future. I realized you can't make the right decision all the time. People make mistakes, it's in our nature. If we were all perfect, life would be pretty dang boring!
If you've been putting off your savings, spending too much money, feeling guilty...stop!
Instead, take a negative and turn it into a positive. Let that negative be what turns your attitude around!
You will soon be finding better things to focus on than your mistakes! You will soon have positives to reflect on, and after you start this process, you will want to continue on that path!