Sending gentle hugs your way! I understand going through financial problems. I have been in a bind for a couple of years now, still trying to find a better job. And I have lived with depression for most of my life. It sounds to me like you have a good head on your shoulders. Some people are not prone to depression like some of us. I don't believe you are worthless or helpless sometimes it just takes time for things to happen. Hang in there and don't be so hard on yourself. I am sending good vibes your way!