Take responsibility for your experience of life and make the decision starting right now: Donotlet another day pass by settling for your needs going unmet, your frustrations running unfetted and your life passing uncherished.
The fact that salaries donot meet your monthly expenses, let alone set aside any savings for a rainy day, can really get those creative juices flowing.
On a downhill slope, get your speed low before you start the descent, and donotlet it build up - it is much easier to keep it low than to try to slow down once things get slippery.