Model help about money

Im having trouble finding a new thought(that feels believable) about money for my intentional model.
C: I make 31,000 dollars a year (a new job making less money then before)
T: I dont know how people survive on such little money
F: hopeless, powerless
A: I dont take action to make more money. And I buffer
R: I waste money on buffering, extra food, alcohol, shopping therapy

Intentional model:
C: I make 31,000 per year
T: ?
R: I live within budget while working on new ways to earn more money.