The following was taken from The Success Principles, by Jack Canfield.
The Power of Focus
As you commit to becoming debt free and saving more, you'll encounter an almost miraculous force working in your life. As you change your focus from spending and consuming to enjoying the things you already have and putting money aside, you'll progress at an almost unexplainable rate.
Even if you don't believe you'll survive every month, once you commit to a debt-reduction and savings plan, you'll be surprised at your ability to manage and arrive at your goal faster than you had planned.
You may go through a profound transformation. You'll see your values and priorities change. Suddenly, you'll measure your success in terms of debts paid off rather than goods purchased. And as your investment portforlio grows, you'll begin to weigh all purchases against your goal to be financially secure and debt free.
Regardless of where you are in life - even if you're in what appears to be a hopeless situation - sta the course and allow this mirale to accelerate you to your goal.