Honestly op there is always a reason not to. I don’t do early morning and I’m hugely impressed with anyone who can, I either go to the gym in a free hour during the working day ( I don’t take a lunch hour as such as home based, so when I’ve a free hour whatever time I go to the gym) or I do it in the evening after work.
I’m quite lucky in that I’ve a small home gym, so it’s just popping along the garden, but there’s plenty things you can do if you dont, walks, runs or home exercise classes Ie joe Wickes.
For motivation I put my gym gear on if I can a couple of hours before hand, so in my head I know I’m going.
I do a mix of cardio and weights, so for two days I do thirty mins cardio, split between treadmill, bike, elliptical, rower or climber, ten mins on each as I fancy and as I get bored easily and the third day I do weights, which takes about an hour to an hour and a half as I do full body. I do that five or six days a week.
It does make a difference, not just in terms of health, both physical and mental, but also in terms of vanity, as although loosing weight is eighty percent diet and twenty percent exercise, what that doesn’t take into account is the toned, lean, fitter, tighter look your body gets if you exercise.