Struggling managing my money

Can you help with my Model?

C- Checking account is $100
T- I can’t manage my money because I don’t have enough
F- Helpless
A- Don’t check my account, spend more than I can afford, avoid learning ways to manage my money, when I make money I spend the majority of it
R- Less money being managed properly resulting in even less money

C- Checking account is $100
T- If I can properly manage $100 then I can manage 10x that amount and so on and so forth
F- Excited
A- Check my account everyday, keep up with my digital checkbook, proactively save when I make money
R- More money