I notice you are on the defensive. The idea of my post was not to make you
feel that you were being attacked but rather giving you advise that has
helped me and others I know.
People's responses and reactions are related to how they perceive you. From
your answer here you come across as knowing better. It may well be the case,
though I had the feeling you were asking for help.
If your job cannot fit your expenses no matter what, you should look for a
different one while you are still employed, or even a secondary source of
income to complement. Judging by what I read here I am quite sure you can get
a job that allows you to make a decent living if you are willing to be
flexible to accommodate the job and it's imperfections into your life.
In any case, I wish you all the best. Things always look dark through the fog
of depression, but inertia can be built up after the first few proactive
steps.