Sorry to hear you are low right now. My only advice to you, is that if you want to be well, you are going to have to change your whole life. If the way you are currently living is not working, dump it for a new plan. I think reaching out for help when you need it is a very wise thing to do. But ultimately you have to help yourself. Go to your Dr., get a physical, there could be a physical problem causing your depression, clean up your diet, stop working all the OT unless it really makes you happy - you should have a life outside of work - it is important to balance work/home/fun etc. I was turned onto a website not long ago that has some very valuable information about helping yourself, DoctorYourself.com, lots of good info there, not discouraging you from getting medical attention when you need it just providing commonsense regarding your health. Last but not least, figure out what excites you in life, what makes you happy, there has to b something, and maybe it is far fetched and something that you cannot grasp immeditely but if you want to pursue something bad enough, you can find ways to take little steps everyday to get you closer to your goal. Money? There is an old saying that a fool and his money are soon parted. Try and find some way to save some for a rainy day, thus relieveing stress, anxiety and depression over financial matters.
Hope there is something in the above rant tha will help you. Nothing is impossible, follow what makes ou happy.