I saw this in a film:
Life will turn out alright in the end. So if things are bad now, it only means that you haven't reached the end, there's more to come yet.
I thought that was SUCH a good philosophy to live by, very hopeful, especially for us bunch who have pretty crap lives a lot of the time.
The other idea is to think to yourself the things you would do if you were told that you had 12 months to live. Make a list, write down all the things you've wanted to do and put off, things you don't want to die and leave undone.
And then you start doing them!
I know a lot of things will constrained by finances, but a lot won't. Get cracking, Gromit!