Hey, so I’m falling into a bit of a depression this month due to severe financial stress. My sons bday was last week, his party this past weekend which cost $500, then there’s the Xmas shopping for my family and my kids, the work pot luck, daycare payments, bills, etc. and I’m falling behind so bad, I can hardly afford my bills as prices are going up, groceries are costing so much now and I’m panicking. I’m starting to feel hopeless and depressed being so broke. I have my bill companies phoning me non stop asking for payments yet they tell me I am not eligible for a payment plan to pay in small parts. They keep telling me things need to be paid asap to avoid cancellation of servuces and I have no idea what to do, it’s making me sick. It’s the middle of winter and I’m one bill behind on our heating and they are threatening to cut us off if I don’t pay asap. But I do t get paid for 4 more days.

How do I stay calm during all this when it’s eating me away like crazy.