Firstly:

Log out of the Forum and shut your PC down. Go outside (leaving your phone behind). Look across the street for a few minutes. Walk to the end of the street and back. When you return to your starting point, turn around and take a good, long, hard look down the street. Is there anything you noticed today that you haven't noticed before?

Turn around and walk the opposite way to the end of the street. Now look back towards your starting point. How many mental photographs have you just taken? (Five?) Recall those images in your mind.

Now go for a random walk in your neighbourhood taking streets you wouldn't ordinarily go along) stopping at the same number of places as your mental photographs in you home street. (Do you have a dozen mental photographs?)

Repeate daily. (And, let me know if you'd like some more suggestions).

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It would be tempting for you to arrange for a Campaign Manager to repay your loan directly from your earnings, but that would tempt you to create a multitude of alts to join campaigns - with more money, the temptation would be to gamble "just a little bit" of those extra earnings and you'd be back down the sewer again.

You need a budget.

A strict, painful budget.

But first, go for that walk.