Beautiful on the outside and funky on the inside

My title came from my girlfriend at work when we were talking about her makeover, the new hair color, clothes, shoes and how fab she looks. I told her that I need a new makeover because I feel like crap and she said to me, "You are beautiful on the outside, but right now your insides feel funky right now." That was a perfect way to say that, because I am so depressed right now, because of my finances and how I can't change a thing right now. The water heater is spitting water, my mortgage is overdue, my check was less because of NSF's, I have a disconnection notice for my electric, etc and no one to help me to pay anything, but what can I do?

One thing I am going to do regarding my mortgage is to call them and let them know what is going on with me and explain that when I paid extra regarding my escrow shortage I thought I was also paying my monthly payment like I have been doing for the past 9 years, but for some reason it was calculated differently. As far as my water heater I will call around to Lowes, Sears and some of the smaller hardware stores and price them, hopefully I can get a good deal.

The good news is in about a month I will start my new job as a Network Administrator working on pc's and the helpdesk. This new job is a big pay increase for me ($300.00) more a pay. So I just need to continue to fight and keeping paying what I can pay and gradually with the new job things will get more back to normal, because right now all this crap is depressing the hell out of me!