I feel so low I just don't know where to begin. Basically, dh and me are having financial problems at the moment. It's a long story, but the upshot is that probably the next few years are going to be a struggle. We both work, and our dds are 14 and 10, so there are no major childcare issues. But it all just seems so hard. We're going to have to downsize because we're not coping with our mortgage, and I worry constantly about how our dds will feel. We'll have to move further out of town to a much smaller house, the girls won't have their school friends across the street etc.I hate the fact that we're in this mess, though we havent been stupid with money. Its just one of those things - no different from what loads of people have to face. So why do i feel so useless and worthless and GUILTY about it? I know I'm a 'glass half empty' person- I always expect the worst, and i so wish I could be different. I'm also terrified of change. I know that - any kind of change throws me right out of sync, even if its change in a positive way. It makes me feel so feeble saying that but its true.DH is much more practical and logical - his attitude is 'this is the problem, here is the solution'. But this just seems to lead to rows between us, because I accuse him of not understanding how i feel. It's like the money problems have made all kinds of other feelings surface. I'm lying awake every night feeling like a rubbish mother and a rubbish wife. Am i going to pass on all my insecurities/hangups to my daughters?I wish my life wasn't like this. I feel like everyone else is getting on with living and I'm watching life from the sidelines and feeling disatisfied. Then I feel guilty for being so bloody self obsessed. Am i depressed? Please help me. I hate my life and i hate myself.