It's not easy to keep your spirits up when you're out on the street (or living without credit), but it can be done.

My role model was Henry Miller, dropped out in Paris and determined to be a writer even if he starved, or had to lose face and scrounge his meals. He starts Tropic of Cancer (a record of that period of his life) with this jaunty, cheeky, nonchalant phrase:

I have no money, no resources, no hopes. I am the happiest man alive.