I'm about to be 29, so happily married, two boys who will be 4 and 2 in September. We live in a two-bedroom apartment in a suburb close to my husband's work, thank goodness. It's tight. We have only one car. Our spending/grocery money every month is like, $780. We have a lot of credit card debt. My husband's health insurance isn't good, and almost everything is full price, so I'm having a lot of health issues I can't get treatment for due to cost. A wrist problem for two years. No inhaler for my asthma. Untreated anxiety. Serious need for counseling due to a current drama/family estrangement situation in which I cut out my dad from my life. No current PCP due to insurance changes this spring.

I finally have an appointment at an ADHD center on Tuesday, so things are looking up, but it will take every penny in our HSA, and my husband needs to go too. I stay home full time because I'm unskilled and couldn't make enough to cover the daycare cost for the kids. We can't afford preschool.

I'm drowning in mess, disorganization, chores, toys. I'm joyless. I'm isolated. I don't have any friends except one who lives 30 minutes away, and she's very busy now. I feel like a burden, a failure. The guilt is eating me alive. I have absolutely no self esteem and am living in such a fragile state that I'm scared I can't be a good mom and wife for my family. I just need help and don't know what to do.