Good job. Keep that up. You're doing well. As for the other part, the financial problems, I think that's something you and your family can address together. Go through the items you have. Do you really need them all? I know the iphone 5 is out now, and I thought about getting one, but then I thought...no. I don't really need one. I just want something that I can have unlimited calls and text. That's it. It doesn't have to be a fancy phone.
You'll notice that as you're taking charge of your weight loss, you suddenly start taking charge and accounting for other thing in your life like what you spend, etc. You feel depressed maybe because it seems all so overwhelming, but when you start taking control of it, little by little, then you'll feel more confident as you go along.