If I was to try and dispense advice about things like this (and maybe I shouldn't, I'm just a guy, I don't know nothing) I'd say this: Don't stop making plans and goals.
Keep striving for that promotion. Plan that vacation. Mark that fun family event in your calendar. Hell, keep shopping for guitars, even if you have to adjust your budget and save up for a while, whereas in better times you might just splurge. Keep writing songs for your someday band, whatever it is that keeps you going.
It's important we don't get so bogged down with the weight of potential disasters that we lose reason to look forward to tomorrow. You can prepare for survival, but if you've nothing to look forward to, why bother.
Sorry if this comes off cheesy. I've gotta say stuff like this for myself as much as anything, I can definitely get down and discouraged or plain freaked out at times