1. Make a reminder note of 3-6 examples of people you respect who have struggled financially at some point.
Many now famous writers, actors etc. are open about having had periods in their lives when they were broke, rejected, and unemployed. Were they any less talented then?
It can be people you know too. For example, you might know people you admire who have started businesses that failed.
2. Don't lie about it. Lying and hiding increase shame.
Practice mentioning not having much money in conversation, with your head held high. This will start to undo the shame you likely feel about your situation.
3. Talk to yourself in a kind way.
Talking to yourself in a kind way will help you overcome avoidance coping.
For example you might say to yourself —
"You're having a hard time right now. You feel... (insert emotions words). You're thinking... (insert thoughts.) What you need is kindness so you can feel confident to handle this challenge."
4. Identify what your specific options are. This will help counteract hopelessness and will reduce anxiety because it involves "approach coping" rather than avoidance coping.
Dr Meg Jay talks about the importance of identifying your specific options in her book The Defining Decade. That book is aimed at people in their 20s but this particular advice is more universal.