Money Training Lesson 3 Less Money

I’m working on the Money Training Lesson 3 Less Money Spending Fuel. I am writing my Consistent Expenses and I have a net negative result for all of them; mortgage, insurance, pg&e, water…every bill!
My first thought is I dislike paying them because I don’t make enough money and it’s always a struggle.

If I take my time, yes, I can change my thoughts to I am grateful for being able to pay it no matter what. BUT it’s not my first thought, there is resistance.

How can I get to the place of having a net positive result?