I think routine and having a sense of purpose at any hard time is really important, though often easier said than done in my experiance, it stops you lingering on things for significant periods and I find that helpful. Although I also think you need to rest your brain initially as throwing yourself in to work can be counter productive too, it's all a bit of a fine balance and, again in my experience, difficult to get right sadly.
For me the money thing is because I see money as a form of freedom. If I don't have to worry about that then I can focus on the things that do matter to me, and that's not necessarily about being rich, just secure. Not sure that makes any sense but I know what I mean :c)