Kramer - Don't beat yourself up over your progress. Most of us struggle and I think its particularly common at the stage where you are at - where the shock has worn off and the cold reality really sets in.
One thing many of us have, which you do not, is young children in the home, and I can tell you that is a powerful motivator to push ahead. I can see where in some ways it would be more difficult in your situation.
Have you sought out individual counseling yet? I will say that I have not personally found one that really clicks for me, but many people here have gained solace from talking to a good therapist. Seems worth trying.
