About the owning the house thing, it's almost impossible these days, especially in New Jersey. I can't even get an apartment, much less a house. I'll be living with my mom for the foreseeable future. At least you have your own place.

I don't know if the articles I posted will be helpful. I've never tried any of the things on the list. I tend to just stew in my negative self talk as well. But it's worth a try if it will help you feel better about yourself.