Seeking Advice to Stay Consistent in Salah and Find My Path

Assalamualaikum, dear brothers and sisters. I'm a young person from South Asia, and I've been finding it really hard to keep up with my daily prayers. My family wasn't very observant when I was growing up, but over the last few years, my mother has become more dedicated-she now wears her hijab regularly and prays on time. For a long time, I didn't pay much attention to salah except during Ramadan, and I didn't fully grasp its significance. I went through a phase where I made some poor choices, and I carry a lot of regret about that time. Now, I genuinely want to seek forgiveness from Allah and strengthen my faith. I've recently moved to a place where many young Muslims are more practicing, and it's made me reflect more on my own journey. My mother also encourages me to adopt the hijab, and while I understand its importance, I'm still building my confidence and feeling quite torn. Through my mother's example and some reflections I've come across, I've realized how crucial consistent prayer and modest dress are, but I still struggle with procrastination-I often tell myself 'I'll pray later,' and then miss the time. I also feel I need to learn to read the Quran properly. Adding to this, my family is facing some financial hardship, and I hold onto the hope that with sincere repentance, Allah's help will come. But I feel stuck. I'm supposed to be studying for a major exam, but I've lost all motivation and end up spending too much time on my phone. Since I'm studying from home, my schedule is all over the place-I stay up late and sleep in, often waking up close to Asr time, which just makes everything feel more difficult. I truly desire to change and improve myself, but I don't know where to begin. Any gentle advice or encouraging words would mean so much to me.