Not very enlightening ! Says a lot but TELLS nothing worthwhile. Its easy, very easy to offer advise/expert advise on 'how to manage your finances' but am sure - the writer himself has a worry or two ! Friends, no amount of advise can help. Its ONLY and only your own thinking, decision making and determination in re-biulding yourself that helps. And that, ONLY you can do it - NO ONE else - not even an expert can. You have to walk the path. Rather than falling prey toany 'expert advise' it would be prudent to follow what your heart and mind tells you. There's no better guide than those ! And by the way, WHO KNOWS YOU BETTER ? You, OFCOURSE ! So, you have a problem, you know yourself and your capabilities, and its YOU who has DO it. Is there any room for anyone else ? Trust yourself, your abilities and look for opportunities (small and big) and things should be better - sooner than later. Well as regards expert advise - good for reading - some of them are good at the language, mind you ! God bless.
