I’ll 2nd what hexagon said about going to a library or similar place. Trying to work around other people who are working helps to focus the mind and reduce distractions. If you can go to a library, this may be a good place to set up better practices, e.g. thoses others have suggested, first, then set up a work-only zone at home you can transfer that feeling of focus and work to.

We have price caps in the UK. They’re not perfect but they have stopped us from paying a lot more than we would have this past year. And the UK is definitely no (did you mean to say?) utopia. Or do you think a price cap to protect consumers is something from a distopia?