Well, one thing would be to not get into “financial difficulties” in the first place. But assuming you are already there, you might try taking the attitude that you do what you can; what happens, happens; and you’ll deal with that problem when you get there.
I have a friend whose wife had had him arrested. He spent a week in county jail before anyone got him out. He then had no home. He called me and said he had never been so dispirited in his life. He’d never been so low.
He was released from jail at three in the morning with no money (it was in storage and the storage didn’t open until 7 in the morning) and no phone, so he couldn’t call anyone. He just started walking. Eventually he found a bus driver who let him sleep on the bus until the route started in the morning, and then he got a ride partway downtown.
He begged lodging, night by night. Never knowing whether he’d have a place the next night, and in some cases, he didn’t and he spent the night in a park. I put him up for a night, and it would have been longer, but I knew my wife wouldn’t approve. When she got back from her trip the next day, she confirmed that belief. She thinks he’s dangerous.
Eventually, he found a place for the longer term with someone in our support group.
Meanwhile, he had to arrange for a phone; get some money, and start finding lawyers to deal with his case. I asked him what he was going to do to get back on his feet, but his consistent line has been that he can’t think beyond tomorrow.
You can’t think beyond tomorrow. You do what you gotta do. If you lose stuff, you lose stuff. As long as you are alive, you can do what you need to to survive.