When I was in debt, part of my plan was to learn about the next step while I was working on my debt goal. Beyond the knowledge, learning helped me stay motivated and keep my eye on the prize, rather than lament about how much my situation sucked. It also helped me feel in control. There was only so much I could do about my situation, but I did have control over two things: how I handled it and what I learned about it. That made a big difference in shifting my mindset.