Well, guess what? They won't go away. They are more likely to get worse. If you are struggling financially and wondering how to make more money - a lot or just a little - for those things that matter to you, you need to take positive action. Because I promise you that short of winning the lottery, nothing's going to change unless you do...
So just sit down and think about what you can do to increase your wealth. And then just do it. Nothing else will dig you out of the financial morass. Be realistic - about where you're going, what you are spending, what you are saving, and what you can do to set yourself on a new and more prosperous path.
This applies to saving money as well. If you want $20.000 in 5 years' time, it's no good putting away $5 per month. You'll be lucky to save $1000 at that rate. If you want to save a specific amount of money, you need to work out exactly how much you save per week or month to do it! If it's not going to add up, don't bury your head in the sand. Work out how to save or extend your deadline.
If you know you have money vices, then face them. If you always spend $100 per month on beer, gadgets, shoes, whatever, then it's no good pretending that you don't when you make those financial plans. If you know you struggle to save anything, there's no point pretending that you can suddenly put away $100 a month every month.