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Focus on what you can control

Take a good, hard look at your budget. Free websites like mint.com can help you get a handle on what's coming in and what's going out.

Make an action plan to improve your finances by tightening your budget and searching out new income streams.

"Do an honest assessment of what you actually need, because there's really very little correlation between things and happiness," says Brad Klontz, PsyD, a financial psychologist based in Hawaii.

Next: Live in the moment