I think that our lives are full of ups and downs. There is always going to be something to deal with.
First of all you are not a loser. You are a working mother. That is a lot. You keep a roof over you and your son's head and food on the table. You should be proud of all of your accomplishments. You are a survivor.
Mochiah has a point, try a local church, the salvation army or even human resources. They may be able to help you until your income tax check comes. Also do you know anybody that you could get wood from until you get some help?
Life is going to throw you all kind of curveballs. It is how you handle the hurdles. There will always be some kind of change. I know that you will be able to handle it.
Good luck to you. Try to remember you are a survivor. You can handle this. And keep in mind all of your accomplishments, you are a strong person and a good parent. Don't forget that.
My thoughts and prayers are with you.