I personally use the app Finch to have tasks that I want to do daily or semi daily. You have a virtual pet and by doing tasks it gets energy so it will travel and discover things. You can add friends and they can send motivational messages.
Just by doing something simple like that has helped me.
It has a plus model, but it's not required at all, no premium currency and if you want to get plus but can't afford it, you can enter a raffle to get it for free or you can get a discount of your subscription.
Also, if you wish, here's a referral code 7KJERKQJXD, not sure if you get something.
I was really sceptical about the 115 euro lifetime unlock. Was that with it for me? Maybe, probably not. I use it a couple of times a week, but it'd need to be maintained really well for me. Not sure if I will ever unlock it.
My dad bought a house as the only worker and supported my mom and 2 kids 30 years ago. Now, I cannot buy that house even though I earn more than double than what his job currently pays while I don't have to support other people. It's crazy. The Netherlands as well btw.