There are times in life when everything hits at once.
Your car has issues, your family has issues, your house has issues, your job has issues...
Opportunities drop onto your path that will scurry away if you don't jump on them right this instant but you don't know how you can squeeze another minute out of your day. Bills need to be paid but you don't know how you're going to squeeze another penny out of your dollar.
That's when you need to step back and realize that even if you're not sure how you're going to deal with the issues or take advantage of the opportunities or pay the bills, things could be worse.
Having these problems means you have a car, you have a family, you have a house, you have a job. You have dreams and hope and faith.
Smile. Breathe. Laugh.
Even if there is nothing to laugh about, laugh on credit.