Well...that all sucks. Deep breaths.
The good news is that 2013 has to get better -right? It is always that everything seems to happen at once.

Financial stress can be devastating. I went through a time where I would fall asleep crunching numbers and wake up with that same panicked feeling to somehow make the numbers work. It has to be one of the worst burdens.

I hope you get some great interviews in January.

IA with Reggio and the others -- ideally I would recommend daycare as a backup or secondary income but I would never recommend it to someone who NEEDS to make a certain amount to get by. Luckily I am in a position where my income is just to do extra and to use for savings or repayment of loans rather than needing it to get by month to month. I am lucky because I get to be very picky on families and what hours etc I want to do.

Wishing you better times ahead