Hey justthatgood,
I can totaly relate to your problem. I was in your shoes about 7 years ago and came very close to declaring bankrupsy.
There is light at the end of the dark tunnel so dont give up all hope you will pull through it. The one thing I have not done is sell my Amiga (its just not worth it) I am so glad I refused to sell it when I was at that point. I get alot of joy out of working on my Amiga doing videos and things in Lightwave.
Dont sell, You will regret it down the road.
And remember that decisions you make now will affect the rest of your life if your still young go ahead and make some changes like a new job even if it seems the scarry thing to do it most likely will help in the long run.