Hi Suzy, I am glad to hear that you had a good week and congrats on your part-time job and your first check...That is great!
I was much like you always trying to look forward and worrying about things that I had no control over what so ever. It sounds as if you have a lot of anxiety going on...and worrying about the what if's is not helping you any.
It took me a long time to break that habit and just concentrate on today, this minute, I cant even plan out what I am going to do 5 hours from now or else I will get frazzled out of my mind...lol! I understand when you have kids and a husband, job, and other such responsiblities it is necessary for you to have an outline of what is going on. And since money seems to be such a big issue how about drawing up a budget either on paper or on your computer that way you can see it (maybe it will help ground you when you get panicky) of what your bills are, when they are due, how much your bringing in, and seeing from there what you can try to pay off or trim out in ways of cutting back or saving money incase something should happen.
This way your doing something, seeing it and being in a bit of control as your being proactive about that "rainy day" and hopefully it will help with that anxiety.