You need someone close to give you a tight slap at the moment and tell you that life is not all about earning money. The true essence of life lies in valuing the small moments of our day-to-day life. Let's be frank, you don't have money and it's the case of sour grapes. Following are some tips which can be helpful:
1)
Stop Being Critical: There's no fun in thinking, "what if I have this" or what if I have that", instead you need to live an awesome life. I mean, it's easy man. You just need to give your best at all times. That's all. Sounds tough? Common, if you can't give your fullest efforts towards achievement of your goals, then your life is meaningless. Please for God Sake, you should stop being critical.
2)
Enjoy small things in life: There are many things in our life which are special, but we tend to ignore them. For instance, I came across a guy who was unhappy because he had failed in a business. He was sobbing. After a quick chat, I found that he's an excellent musician, but doesn't value it because he has been playing music for many years now. I advised him to see the happiness in the smallest things in his life. I would like to give you another instance. Every morning when I go for a jog, I smile when my eyes meet with people. Some smile back, while there are other who give weird look. I enjoy both the expressions. We need to pursue happiness, and since it's a state of mind, so we can use anything for deriving it.
3)
Peep Within: You won't get answer about your life by posting randomly on an IM forum. Do you think people over here will know about your life or your thoughts? Please, I request you to spend sometime regularly contemplating your actions and goals, if you have any. The deeper you reach, the more enlightened you will be. If you want to be happy, look within.
You can always leave me a message for any help or suggestion. I would be glad to help you out.
Cheers