V - This sounds like clinical depression. And it's wintertime so vitamin D deficiency can contribute to seasonal depression. Are you taking vitamin D? (5,000 IU/d is often effective in this setting). Are you eating adequate protein? Do you have a light box? Have you been on antidepressants in the past?
I know it's hard to exercise right now but remember exercise is an efficient anti-depressant. Start low and slow.
As for financial things - what options are available to you right now to improve your situation? Can you push for a raise at work? Can you take in a roommate to help with the bills? (I'm always surprised at how so few people are willing to do this - it can be really helpful and much easier than working a second job.) Do you have anything you can sell to help you build up a little emergency fund?
