Dont feel bad money stinks, its a very hard time. I know that youre in safe hands but even so its a very scary journey. All you can do is accept that youre not going to feel on top of the world right now BUT you are facing things head on. When something as big as this debt thing rears its ugly head its easy to panic over the other things (I wont say little things) and want to crawl into a little warm hole and stay there.
The way I see this is most of us start this journey already beaten, in an emotional sense, feelings of guilt, panic, fear of what is to be, etc, etc, etc. However, one day this journey will end, none of us can say for sure how but we know its a journey we just have to take. It really does help to share all of the good and the bad things on the way, as only we know just how stressful this debt thing is. There are some very lovely people on this forum that I am priviledged to have known, even though its (mostly )virtual, they are always there through good times and bad.
Best wishes
lily