I've heard people say it's helpful to join debt support communities. Like all things, it's easier to stay motivated when you're working towards the same goal with like-minded people. You can easily find them online, and you can participate from the comfort of your home, checking them out in advance to make sure they're welcoming. Also, such communities may have more expertise about managing money and debt than we do.

The vast majority of people can do some basic prep within budget, and the chances are that will tide them over in most situations.