Similar situation myself. Work that is stressful, significant money worries (and just written off my car) and not been on holiday for the last 4 years and won't be going on one this year as I can't afford it.
I suffer from anxiety which impacts my sleep which makes me feel like I'm depressed, but in my case, the underlying issue is anxiety. I've just spent too many years expecting the world to end that my brain is constantly on the look out for threats and tends to go OTT when it detects something / anything. The desire to stay in bed all day is very great, but I have to keep working so I can continue supporting my family, so I force myself to do what I have to do and I try not to worry about the rest.
You are doing well to be able to continue to feed yourself and even more so to clean the house, there are many who can't manage that, especially the latter. I am not going through the menopause so can't help on that side, but your hormones will be all over the place and your emotions too. Remind yourself that this will pass and try to help yourself as much as you can in the interim.
Try and sleep, but also ensure you get up at the same time each day and go to bed at the same time. Even if you get up in your duvet to read a book in another room or stare into space, get up. Try and exercise (yeah, like the last thing you ever want to do when you are feeling like this) as it helps. Watch your diet and your fluid intake. Take a multivitamin if your diet sucks and make sure you are drinking plenty as that can really mess up the body.
I hate the cold too, but it does help to go outside and feel the (cold) air on your face and you dont have to do it for long, just 20 minutes a day will make all the difference. Meds dont work for me either (made things worse), so I am looking at MBSR, CBT, DBT, diet, exercise, sleep and I'm getting help from the NHS (long waiting lists though). I have found that water (lack of) really affects me and it looks like I was low on magnesium as I dont really eat anything that provides it and my symptoms have improved since taking it. Meditation is also helping a lot (sorry for sound like a new age hippy), but it is not a quick fix and needs more work than I am putting into it.
As you say, January sucks. Cold, dark, miserable and we can't afford to put the heating on (I'm typing this with an electric throw on).
You're not alone. Lots of people are struggling at the moment. Keep doing what you can each day. Remind yourself that these things will pass and until then you just do the best you can.
I have no idea when I last ordered a takeaway. Probably over 15 years ago. Last time I went out for a meal was about 4 years ago. You just have to do what you have to do 🙂