I just went through similar aduring the first half of the year - never been so scared in my life.
Firm believer in "What's for you won't go by you" - but I know that when you're in the depths hearing these things is of no help what-so-ever
All you can do is concentrate on staying positive and pro-active - LOL there were times when I just wanted to curl up into a ball.
As long as you have roof over head and each other - no worries - you can live on beans on toast and the zed is ultimately disposable - there's always another