Monica,
I don’t know what to say.
People who say money doesn’t matter have obviously never been without some kind of access to it
Last Christmas you bought lovely presents – keep in mind that the only thing that stands between you and being able to buy presents again is a job. You are not without hope- you have all your experience , qualifications and personal qualities. When I have delays in life I often think God has had a hand in it – maybe he is delaying the bankruptcy etc.
Monica , you are only a job away from being back to where u were . Keep that in mind – you can repay debts , have a good life and even save .
I know life seems desolate now but January is a good time for job hunting – I am not being dismissive of how deeply horrible life is right now – I guess I am just on the outside looking in- I think you are like me in that you need routine and purpose in your life .
Get over Christmas as best you can and then turn your back forever on this Annus horribilis ! New year – new beginnings .