LH49, I have been where you are. I still occasionally have a day where I can't face the world. But mostly, I push myself to do something, really ANYTHING to get my mind off my sitch.
I second the meetup suggestion. It was one of the best things I could have done for myself. I also understand the money issue. You really do need to think about looking for a less expensive place to stay or any other changes you can make in other areas that will save you some money.
Church has also been my saving grace. Most churches off counseling for free or a small fee. Also check with your Human Resources department at work. Most companies have an Employee Assistance Program where you can get some counseling sessions for free.
We're all here to support you as much as we can. Accuray is right - your kids need you, so you need to help yourself first.