I can understand you feeling overwhelmed with all the different things going on in your life. Investing in a home is a big deal and then to have your hours cut makes paying for that home a bit scary. On top of a new home, you've become a mother, very stressful indeed. Then yours and your mothers medical issues to worry about, it is a great strength of yours that you started off your post saying that most of your life is good. Keep up the good work and positive outlook. take care