So many people feel like that are just stuck. If you feel like you are in financial despair, I just want to tell you that you are not stuck, unless you choose to be. You can always choose joy and gratitude even amidst some really hard situations. Think about five things that you can be grateful for. Choose gratitude. It will change your whole attitude. Second, set microscopic goals. Even if its, "I'm going to save a dollar per week." That's a dollar per week. Set those microscopic goals. In a year from now, you will realize you are in a totally different place, just because you took those baby steps forward.