I'll sail this ship alone

[JWS]

OK when it comes to finical advice I would not be an expert but I have a suggestion, but you will need to consider it carefully and make your own decision. To me money is no where as import as happiness and one does not bring the other. I would look into a line of credit, be it loan or credit card that you can advance your self some pieces of mine.

Yes you pay interest and all that, but since you don't have the cash to pad that account right now I would rather make small manageable payments with interest then, to have this account continually overdrawn. That cost you a lot in fees and damages your credit. The line of credit with timely payments can help to rebuild your credit.

I know that this is not the best solution in a perfect world but right now is not a perfect world. I can see this buying you a bit of piece of mind and allow you to be less stressed. It comes at a price and a risk but if you manage that effectively it could work for you.