It's time to move away from Paypal and use a credit card when buying online. Fraud protection with credit cards is much stronger. Paypal has proven itself bad for consumers again and again.
I Will Teach You to Be Rich
Book by Ramit Sethi, is a good place to start. He has lots of great free content on YouTube you can check that out first and decide if you wanna give the book a try.
Yeah, and you might get into a funk and decide to just hit it really hard one time and then you are pretty much back where you started. I found cold turkey worked best.
I found just cutting it out to work best rather than wean off if it. It sucks for about a week, but overall quiting caffeine was harder. Just don't have any lying around and don't go to the store to buy more. I had trouble sleeping for a few days, I was kinda irritable but it wore off pretty quick.