The figures stay approximate
Neptune softens your 2nd house, so your material life resists precision: the balance is roughly known, the outgoings are hard to account for, and money seems to arrive and leave by weather rather than by arithmetic. Spreadsheets slide off you. Set up something automatic rather than trying to be disciplined.
You are not careless so much as uninterested. The subject genuinely bores you, and the boredom has been more expensive than any single bad decision.
You can earn from what does not exist yet
Imagination converts into income here more readily than it does for most people: images, stories, atmosphere, care, the ability to sense what someone wants before they say it. These are real products and you make them without effort.
Price them as products rather than as gifts. Work that comes easily to you is still work, and you have historically discounted it precisely because it did not hurt.
The leak nobody can locate
Money disappears at a steady rate that no single expense explains: small purchases, forgotten subscriptions, generosity you did not log. By the time it is visible, it has been running for a year.
Automate the split the day income arrives. Willpower is not the missing ingredient here; a system that works without your attention is.
What you would never put a price on
Your values genuinely do not run on accumulation: beauty, meaning, being useful, and the freedom to give things away rate higher for you than net worth. That is coherent and worth keeping.
It still needs a floor underneath it. Idealism about money survives much better with three months of expenses behind it, and considerably worse without.
Underpaid, quietly and repeatedly
You dislike naming a number, so you accept the first one offered, discount for people you like, and do extra without invoicing. Nobody sets out to take advantage; the arrangement simply forms around your discomfort.
Decide the rate before the conversation and say it without softening. The number stops being personal once it was decided in advance.
Make the system do the discipline
Every attempt to manage money by paying closer attention has failed for you, and this is not a character flaw — attention is simply not the resource you have available for this subject. What works is infrastructure that does not need you.
Set up automatic transfers, separate accounts and one annual review with someone who finds this interesting. Your financial life improves dramatically the moment it stops depending on your willingness to look at it.
Paid for the intangible
Fields that trade in atmosphere, feeling and imagination suit you: creative work, care work, anything where the product is an experience rather than an object. Roles that reward exact measurement will grind at you daily.
State the value in the client's terms when you quote. Naming what your work does for them, rather than how long it took you, is the specific move that closes your pricing gap.