Pam, you are not alone...
....although it's no consolation. I don't face quite the same senario, but the end result is the same. Monies that could be used for chipping and casino fun can no longer be used for the hobby and entertainment. We're in the same position of having to save every penny and make hard desicions about our financial future. I've been disabled for the past 3 yrs., but I've been able to extra income from teaching.Now, with the price of gas where it is, I would break even just to travel to work. I'm having to sell off most if not all of my collection just to meet our monthly obligations. Alot of changes in a very short time.
Good luck Pam. I wish you the best.