Ok, big breaths
you’re stressed and having a bad time, it’s ok not to be ok
you’re recognising things are not going well and reaching out for help - so you’re already doing something fantastic here
lets take it one at the time, you need:
clear debt
tidy house
time to yourself
take 10 mins mental break - go out to the garden/walk round the block, shout scream, cry, let it out - no excuses, go!
House, one thing at the time, take a couple of big boxes/ shopping bags / bin bags
one room at the time, anything to be binned, goes in bin, anything doesn’t belong in that room goes in the box/shopping bag - deal with that later - once your house looks tidy you can deal with the boxes/bags of things that need to be put in it’s place, but at least it’s tidy
debt - that’s a big one, reach out to a debt advisor and everyone you owe money and get plans, don’t let things get worse
time for you - that’s a big one with young kids - worse come to the worse make 30 mins every evening “mum time” where they are allowed to watch TV and that’s your time where you unashamedly do nothing- extra points if you get your DH to stay at home while you go out, even if for a walk
enrol friends and family to help with the kids - grandparent wanting to get the girls to the park? The kids want you because they love you, and that’s lovely, but exhausting- make time for you