Mojo, you know fiscal responsibility is big in my mind. I don't see any problems with your financial situation that is all your fault.
Given the circumstances of your life, if I was FSG and saw the work you do with your book sales, I would think you are about where you should be financially. I mean that in a way that would say, not much money but she is industrious and doing what she can. It is the people that earn more and have less that I would wonder about.
Of course, I don't know what PAL or you earned or how you spent your money or how you got to where you are finically..
Mo, ask yourself, "Am I doing as much as I reasonably can with the resources I have right now." If so don't beat yourself up. If you need to tweak a few things, do them.
It all comes down to "doing well with what you have." Most likely, a one legged guy isn’t going to win the Boston marathon.
(a)Therefore, my "feeling" is that a man couldn't love or respect me if I'm not financially responsible. (b)Therefore if I have sex when my finances are a mess, I am having sex in a situation in which I can't possibly be loved or respected. Therefore, (c)I am a slut. (a) Could be true. (b) Not logically connected to (a) (c) What???? Not even connected to (a)