Hi Renovation--50 guy mentioned Dave Ramsey. He has a web site http://www.daveramsey.com/radio/home...strMode=listen and you might be able to pick him up on the radio where you're at. If you can listen to him for a couple weeks, it might provide some of the emotional support you need for this financial crisis. He tells people to prioritize -- food, keep the lights on, the water on, etc. when in a crisis.