I am in a smilar position but fortuntaley I am well, my husband has MS and he is cursing me and his mother is blaming me and we have to pay the rent and other utilities and I am looking for a job, he gets some monies. This is my cause and effect and I am changing it by believing that I did all these things and not blaming anyone just making different causes and I will get different effects.
I am a Nichiren Shoshu Buddhist and it is about the Mystic Law of Cause and Effect from time without beginning, that means we are responsible for all that we think, say and do it is about the Lotus Sutra interperted by Nichiren Daishonin and best English translation by Burton Watson.
I am not blaming you but by denyng cause and effect and think things are outside of ourself we get the negative effects, such as illness and proverty but by believing in cause and effect and the Lotus Sutra we can change all of this.
It says don't presume to fathom the blessing of the Gohonzon (that is a scroll of the enlightened live condition of Nchren Daishonin) only people who have sincere faith have their prays answered.
I have actual proof I have a flat and I have a enough food so I will continue to have strong faith and I am sure I will have a job or the monies when I need it the most.
Well I also am taking action looking for work, trying to find out what kind of benefts I can get.
Why don't you try charties and maybe they have grants and also call the utility companies tell them of your situation also I can let you know about the Nichiren Shoshu Temple in USA.
Just e-mail
KInd Regards