Karen, we are self employeed and believe me I know all about
money woes. Hubby does specialty type landscaping and this has been the absolute worst summer that we have ever had. Any of "my" money goes to feed the animals or for shots, vet bills ect. I did and do work sometimes for his other company, (I do all the shipping and billing) and my first paycheck this summer bought a cheapie blue pool.
When I worry I don't6 sleep too good and when I don't sleep well I freeze. I have had the wood burner fired up for a while now. I can't turn on the heat, the furnace is broke and the upstairs is geothermal and the pump that circulates the water is broke so no heat upstairs either, thank goodness for the woodburner.
Sometimes when I am cold on the couch I will lay on a heating pad.