i think the only way to deal with money issues is to remember that its all min hashamayim anyway and since it was all nigzar on rosh hashana then we're sort of powerless to do anything about it (easy for me to say though, im not at that stage yet)
about chizuk to not fall theres plenty here, but if you want to forget about it then:
first of all get away from those bills or work or whatever it is
then do something you enjoy
check out the kosher isle here for some ideas
also you should go on chat here, there's so many nice and great people here to talk to
hope this helps