ALWAYS tackle your life's problems the quickest and easiest way you possibly can. Try not to think at all, it just wastes time. Trust me, I've solved all of my life's problems in the fastest and simplest way I possibly could and I'm doing AWESOME!
The first step is drastically lowering your standard of what awesome is to a reachable level. If you think your quality of life is low, it isn't, your standards are just way too high. Be realistic, know what your limits are, and what you can achieve with the amount of effort you are willing to put in. The second thing you need to do is stop caring. If you don't care, you can't be disappointed. So, stop caring, and you'll be happy in no time. Third, and most importantly, avoid all your problems so that they can't bother you. Are bill collectors hounding you? Ask yourself, why am I answering the phone? God invented caller id for a reason, shame on you if your not using it.
See, all of your problems are now fixed, and you have plenty of time left for you, the only person that matters. All that's left for you to do now is to send me $49.99 for fixing your life for you. Once you do that you will finally feel complete. Oh, and by the way, your welcome.