When we talk about "settling for" something, it's usually negative. It means that we're accepting something that we don't really want or deserve. But, there are other ways to phrase this concept that don't have such a negative connotation. For example, you could say that you're "compromising" or "making concessions." You could also say that you're "taking what's available" or "making the best of a bad situation." Ultimately, the phrasing you choose will depend on the context. But, by framing it positively, you might be able to change your mindset and find more satisfaction in your current situation.