Perhaps part of the problem is that you ARE grinding it into your head that you are "so screwed." I realize that things seem awful right now, but through all the times when life has gotten rough I have learned there can be good come from anything, even if it is just learning to appreciate what you have, and what is good. Take some time out to look at all you do have, a wonderful husband, a beautiful sweet dog, your own home, stable jobs? (I'm guessing). Look at the hard times as a time to grow and become stronger.. That is the only way I was able to make it when David lost his job and was unemployed for months, and I lived with fears of losing our home. I definitely would have had a nervous breakdown if I had stayed in the mindset that we were screwed. Rejoice that no one was hurt or killed, and that all you need to worry about is replacing the car, and not hospital bills, or God forbid, funeral arrangements. It's the only way to look at things and remain sane when life is getting you down I have found.

Best wishes to you.