Anyone else having problems with consistency/sticking with it?

I've been wanting to cultivate new habits for years. However every time I try forming a new habit, I get all motivated and pumped up but after 3-4 days I don't feel like doing it anymore. It's like my mind is tricking me and playing games with me and I just don't do the task i need to do.

For instance, I will attempt to exercise and do meditation everyday for 30 days. I get enthusiastic about doing it and then I'm really motivated and excited about how my life will change so much for the better after i've turned it into a habit. I would be able to have more energy, think clearly, reduce stress, improve sleep, and all this good stuff. But then I would lose that motivation and excitement after a few days and I would be compelled to surf the internet all day, play videogames, watch youtube and all this bad stuff that leads me nowhere.

I've tried virtually every self help and goal setting tip on the planet about changing habits. The only thing i haven't tried is asking a buddy that I can be accountable to. Then I would report to him everyday and if I miss a day I would have to pay him a considerable amount of money.

Does it all come down to this, or is there any other way I can be consistent and persistent?

Any advice would be greatly appreciated. Thanks