Okay, so it is a bit chilly, but not that cold. I have seen worse, but this time of year is when the body, my body goes through an adjustment in what it expects to be “normal.”
We are dipping down to just below freezing, so cold but not reeeeeaaaly cold. Yet for me, when I am quite happy and used to above 20C it is darn cold.
Yet it is all relative, as when it was (and will be again) south of -20C, 0C now seems like summer in comparison.
The same is true when it comes to your situation, fiscally or otherwise. As you are working to steadily improve your situation you can feel like things are just off and wrong.
This is because you are used to things being as they were, in debt, no money, lots of bills. All that seems normal to you despite how much you hate it.
It is normal to you because you have let yourself be acclimatized to it. Change is unsettling and it is an odd feeling, but you have to keep going despite that.
You need to reset and reshape what you see as “normal” just like in a few months you will be calling 0C T-shirt weather.
As always: Keep your head up, your attitude positive, and keep moving forward!