If I cannot find it in myself to think of myself as a worthy human being, and I am so overwhelmed with my circumstances, I try to imagine that I have a friend in the same situation. I am almost always kinder to my friends then I am to myself, and have a clearer head than they do when it comes to their problems. So, if it helps, think what you'd say to a friend in your situation, and say the same thing back to yourself, even if you don't believe it. That sometimes helps me, anyway.