Hi sweetie... I'm back and starting to recover from the trip. Just read what I missed while without the 'net.
I'm gonna come back and say some more, but for now, only 1 thing comes up immediately that might help you with you tangled paralysis.
The thing about hoarding; about seeing the mess (and problems) and not knowing where to start - not feeling like you even CAN - because there is another feeling blocking you from actually doing it... I just felt this while we were back in our old garage. One side of it is "my junk" - art books, gardening tools & supplies, old pots, frames I thought I might use... paint that needs to be thrown away. Only 1 book connected with me that said "take me home". Everything else was stuff that I could safely say "I don't want" and I felt like I could just walk away from it. Except that, oh... I always liked that pot... and there's my scissors for cutting flowers... and which rake did I want to take with me? Those thoughts would be followed by why did I even think I was ever going to paint out here? Why did I keep that? What on earth did we save that for???
My struggles with hubby about the stacks of magazines and papers; his "collections" of toys and gadgets... he can't go deal with them by himself. He requires my presence. So he can tell me the story of one his "treasures" - where it came from, when he got it, what he did at that time. He might have 5 of the same kinds of gadgets; sometimes 25... that he "might need someday". So my role is to help him negotiate with himself - you can keep some of them; how many would you like to keep? where are you going to put them? Can we throw these away? After a little time and repetition of this process, he is able to continue independently negotiating with himself. This where you simply need SOMEONE to help you start, GS... they don't have the same emotional issues with the stuff and can help you "get started" in the process.
I think perhaps the same thing would apply to the financial issues. I'm gonna go out on a limb here and suggest that there is help like this out there - maybe a local community college? Often they'll have outreach training programs with grants available. There may also be other resources. The wisdom of CB's suggestion to simply "get a job" is in the fact that there is a lower risk involved for you, less responsibility (and stress) overall, and also that payday comes on a regular, predictable basis - you'll know how much money you have to work with. Less predictable, when you're dependent on tips - but to give you an idea and hope, my D using to waitress in a fine dining establishment and during holidays would often bring home $200/$300 A NIGHT in tips. She's bartending now, in a big city and still able to make that for a day's work. But those kinds of tips are feast/famine... and scary, simply because they're unpredictable. A decent base salary makes all the difference in the world. And that's very hard to predict and rely on in one's own business... as a partner or sole proprietor. I think you need predictability, regular hours, a set schedule.
Last bit, so far... MIL was packing stuff to bring back and making decisions about "bring - keep & bring later - toss". She brought me to tears, pulling out of her trunk (I have one like it): handmade baby clothes that she'd made for her children, nightgowns she wore when was first married, her wedding dress. She kept asking what she should do with them? They were of no use to anyone and it was just stuff people would have to throw out when she was dead and gone (practical, she is). She even has a quilt to match mine - only it's never been used and is in pristine condition - that was made for her 50+ years ago.
Well. I've had this realization in glimpses with hubby before, going through his stuff. I got "stopped" in the garage, with the same realization about my own stuff - and couldn't avoid, escape or run away from MIL's question about her own treasure chest. Those baby clothes, her wedding dress were all parts of "who she is" - and I told her: you don't have to give them away. Keep them. Decide later. Other people WILL want them - the baby clothes I've kept were made for me - and each embroidery stitch represents love - that someone would take the time, make the effort to do such work for ME. It's like physical proof.
The stuff in the garage? Well, some of that relates to an on-going discussion (my own paralysis) I'm having with myself about whether I can/want to let "part of me" go. It is difficult. Even with my D along with me - I couldn't begin the process of deciding "bring - keep & bring later - toss". It's very tempting to me... to simply deal with the emotional side of this - but that's a long, labyrinthine process - and it's one of the ways I avoid things. None of the "stuff" (or very little of it) has any real, monetary value. It's only value is in what it represents about me, my past, my self-image from my past... and old dreams. Should I choose to spend much time producing art again - I can always buy new (and really, probably should). Perhaps simply tossing all that stuff will help me finally "let go" the idea of that old "false image" of myself as "An ARTIST" and finally free myself to create again...
... perhaps there's some bad juju in the physical "things" and being REMINDED by them keeps me trapped in that spell of paralysis? Just like there's some GOOD in the things that were made for me... and the things my MIL made for her kids.