It stops getting worse once you hit rock bottom--when one huge bad thing that you couldn't have conceived puts all the other problems in perspective. It will get better after you realize, "it honestly can't get worse. Well, F**; I'll just stick along for the ride then." It won't be a swift recovery; in fact, it may be so incremental that you don't notice it.

Write everything down. Don't look at it for a few months. Come back to it and think, "wow, well, it's not great but it's better than it was." Some things, like your boyfriend leaving you or the trouble with your pets, won't be so sharp and painful in your memory.

The financial stuff: talk to everyone you can. Counsellors, banks, your family--SOMEONE will have a solution, or a set of solutions. The biggest part is wanting it bad enough. It sounds like you do.

It's true that usually bad things aren't happening to us -right this second,- unless, of course, your mental state of being clouds everything over with panic and paranoia. Your life could be perfect on paper but miserable on the inside. It's not what happens to you, it's how it affects you.