It’s easy to focus on what you need, what you want, and what you don’t have. But what about what you’ve got? Even when times are tough, it could be a lot worse: at least you aren’t six feet under! When you change your thinking, you can change your entire life!
Try actually counting the good things in your life—make a physical list. Start small if you have trouble thinking of things. Think about the people you appreciate, the job you do have or the things you are good at doing. List what you are grateful for, like your physical health or living in a free country.
When you do this, you will realize how much you have! You may even find gratitude for what you have learned by struggling with debt. Once you start thinking positively, you will feel more motivated to get back on track. You might also find that you realize what is working for you and solutions to problem areas.