Trueworrier - you could be me!! All of those things that happened to me, were a long time ago and separately, it would have been ok - all of it distracted from the money situation too. Lots of people on this thread have been through so much more and im awed by each and every person who posts here. I didn't busy myself, i stopped - my DD2 became my world, to the exclusion of all else, even DD1 who was older :(. It was my way of putting my head in the sand.
Last year it all came to a head again, having been to hell, and i mean hell with finances, bailifs at the door, court appearances - I even got a county court judgement overturned and the other sides lawyer told my DP that I was like a rotweiller with a bone and should consider a career in law
But when your family and relationship is on the line it is amazing what you can claw out of yourself. All of that - then i got a job, was badly treated by bosses, took on too much and broke again - this time it was worse. I am on medication for the second time but realise that i need to be on it for the long term.
No one sees the frightened me, they see someone who will wade in and sort out trouble and isn't scared of anything - yeah right, if only they knew!
I am exactly the same as you trueworrier with money, i even got stressed about money when i was working last year and earning good money, it stressed me out almost more than having no money. I am still the same, have abandoned food shopping serveral times and caued us to spend more money because i would only buy the bare minimum. I can't do any other sort of shopping but i am getting better, over time.
I know several tricks to play to help with finances though - especially the mortgage - you have until the end of the month generally to pay, of course we always end up taking advantage of that so it became our due day so less flexible, but if you really can't pay it, pay something - even if its just a fiver, anything to stop you being a month in arrears because they can't hassle you (so no scary letters) and they can't put additional charges on. Of course this doesn't work if you are already behind, we have been four months behind before and that can be scary, but still if you keep them informed then its not so bad. If you want any advice about finances, please PM me because i have every sodding T shirt there is about some git trying to take money from us.
We don't use our landline, no one has the number i am obsessional about it, letters scare the shit out of me. But i am getting better.