Escapist desire for minimalism?

I’ve had financial challenges this year and I keep thinking I should cut back all my spending and become a minimalist. I did the math and I could pay off everything in six months if I did. I’m not sure if it’s a good idea or an escapist fantasy to keep me from having to put in any extra work to create more money. At what point are you making a decision that’s kind to yourself (ex. Not adding extra work or stress by cutting back) or just avoiding a circumstance you feel negatively about and aren’t seeing other options right now?