help/advice

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Hi all.
I'm a LONG time lurker and I have only ever posted on this site twice and it was many years ago. The first post was a vaguely humerous adaptation of a Lady Ga Ga song that I reworded in "Ye olde" speak. I took a photo of her and painted a stupid top hat and monocle on her with paint. To my surprise it actually got some laughs. The second was a rant about when someone tried to open my car door while I was in it and I wanted to vent.
This will be my third ever post on this entire website and again, its not a constructive one. I'm literally hoping to appeal to someones generosity or maybe hoping for some pity or advice as i've now hit rock bottom. I've got into a fair amount of debt and it's slowly killing me, or has been for a good few years now.
I've lost pretty much everything and everyone through my constant negative attitude towards life. Now i'm expecting alot of people to chuck shit at me which is fair enough. Just to point out, I have a job and I work hard. It's the only reason i've still got my head above water. I pay what little I can towards my debts every month. I'm not idle about the situation, i'm just miserable and it's going to take me many many years to get out of it.
I've tried all I can think of to help the situation and begging for help from strangers is all i've got left.
TL DR I'm utterly skint and miserable, please help me fix it.