Bless your heart ~ you're really struggling,aren't you!
I'm glad you're working with your doctor about your headaches. I wish I could help you as to the cause of that. I pray they aren't migraines, as I'd hate to have you sentenced to a life of migraines!
As for the rest, you are certainly severely depressed, and i hope you have visited our Depression forum. The people there would certainly understand what you're going thru and what has been happening as far as your moods, etc. However, I do urge you to see a therapist as soon as possible! I do think it would benefit you GREATLY and help you to understand why your thoughts are as they are, and why you overspend, and like doing immoral things!
So talk to your medical doctor -- he can refer you to a good therapist. As i said, therapy is what you need at this point and it really DOES WORK. I wish you the very best -- God bless and please take care. Hugs, Lee