Hi Dale,
I feel for you and will say a prayer for you and your family. I too am in the same boat, After making over $18.00 an hour at a walmart DC for 9 years, My back went out in jan of this year I was lucky in that I had Insurance to help with bills ,but not really what we where used to getting, and also we had no payments on anything, We very seldom buy anything new. always used, even things like a washer and dryer.We seldomm go out to eat, only on b/Days or speciial occasions. I hope you hang in there and things do change for you, seek help if you think you need it , dont be ashamed to ask for it. I want to give you an example of how Frugal I am. I have a 1988 ford ranger 4/4 with 137,000 miles on it, runs good but the body was shot, I kept looking around in my daily travels and found a local guy who had just fixed up his same truck. Then the motor blew. He sold me 2 new doors, 2 new fenders, 2 bumpers a grill and new headlight buckets for $4oo.00 and he even put them on and patched my bed,, Shes like new again. And do you know what my front license plate says? " Dont Laugh , Its paid for " Hang in there Dale ( by the way, my name is Dale also )