lot of the time when people are hitting bottom is because of financial circumstances. either things out of their control, or mistakes they made.
these things come in onslaughts but just keep taking the step forward. work it everyday. you take one step forward, the onslaught comes again, and pushes you back like 200 or 300 steps back. you take a step forward again that day...
after awhile the onslaughts stop, but you should keep taking that step forward EVERY day. dont give in. eventually you will pull yourself out of it and will be many steps ahead.
it is giving up and just plain stopping is what makes most people who get into financial mess STAY in a financial mess the rest of their lives.
dont compare yourself to others, dont keep up with the 'joneses', dont look over the green on the other side of the fence. these things only dissapoint.
just look at what cards youve been dealt and work that from there.
trust me, youve been dealt a little but you make the best you can and take a step forward everyday is much more admirable
than the guy who was dealt alot, but didnt do shit but just boasted all his life.