Hi, Deborah!
 
Here's the first thing you are going to HAVE to do:  Turn it over to YHWH, in the Name of Yeshua, and LEAVE it in His care.  Then let Him lead you in the direction you need to go with your problems.  I KNOW it's hard, from personal experience, but you HAVE to let go, and let Him handle it.  I can guarantee you, if you will truly let it go, He will be MORE than happy to handle it for you, and you know it will be done right, plus it will fall into place smoothly and quickly!  He is all too happy to have us turn our will over to Him and let Him take the ball from us!  As Yeshua says, His burden is light, and we are weak and heavy-laden!
 
I am 3+ hours to/from work, too (1.5-2 hours each way), and have LOTS of spur-of-the-moment late nights, where I start at 8:30 a.m. and don't get home until after midnight, then back again at 8:30 that morning.  I've thought MANY times about quitting and finding a job closer to our new home, but am leaving it totally up to the Lord to make the decisions for me.  Otherwise, I just pray each day that He will give me His divine strength and energy, and He always does.
 
Secondly, get ALL your credit cards under one umbrella (i.e., pay your Sears card, you Diamond Shamrock card, etc.) by using, say, your American Express.  Pay them all with the same card.  Then destroy your other credit cards!  At this point, you have only ONE interest rate, despite the fact that it may be 25%... but at least this way, it's only ONE that you're paying off at 25% interest.  I've been there before, too, and I KNOW what you're going through.
 
Hang in there, sister, our Messiah is at the door!
YSIC!
Peggy
www.his-forever.com