The pain of closing an agency or leaving a job because of money is devastating. The most important thing to remember is to cut your losses as quickly as possible. If you know you are going under, don't hang on and go into impossible debt or cripple yourself financially. For individuals or agencies that have more than adequate budgets, the complaints still exist. But, complaints from these individuals or organizations are usually symptoms of other ailments of the organization, not finances.
Finances are the easiest issues to target.
Antidotes Look for the positive attributes of colleagues not the negative attributes. Chances are that almost everyone in your organization contributes something worthwhile to the overall mission. Your boss probably sees that, so try to view your colleagues from the standpoint of their contributions. Ignore the petty stuff. Employment relationships are often like marriages.