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Some thoughts to consider when looking at your financial situation.  This comes from one of my favorite authors and inspirational speakers, Michael Josephson.  Mr. Josephson’s primary focus is on ethics, but his writings and work apply to many situations:
‎”At our lowest moments, we don’t see a light at the end of the tunnel; we only see more tunnel. This is when we need to summon the moral courage to reject despair and surrender as option and call upon our inner reserves. Together, faith and determination will ignite a spark turned into a flame by a puff of hope, a flame… that will grow bright enough to show us the way out.”
Michael Josephson
John Rogers, Kentucky Bankruptcy Attorney