Oh, unhappy, I'm so sorry you're having to go through all this. Similar issues in my household, it's tough, very tough. Don't give up hope! It's the one thing you do have some control over. So much of the rest is out of your hands, but not your attitude. Even when it seems insurmountable and probably is, give yourself hope!
Okay, enough of that! When I'm down in the bowels of despair, the last thing I want to hear or think about is "hope". "Oh, notz, you should try to be happy and grateful for the things you do have, there are so many more unfortunate than you." Well, kiss my royal patootie! I'm here, you're not, leave me alone.
I can't fix things for you unhappy, but I can and do commiserate. No money coming in and lots going out is scary. Thank goodness you have your T. I'm glad you have PC, too. Hugs, my friend.