It does suck when the holidays you look forward 
to the most turn out being the worst times of the 
year, doesn't it?  *pat pat*

I don't know what your situation is, but it seems 
monearily based, so hey, remember that in the US 
(if you're in the US) loan rates are really, 
really, really cheap right now; cheaper than 
they've been in more than 50 years I think.  You 
don't have to sell your collection if you love it 
so much, especially since your FY cels wouldn't 
bring more than amount a fairly small loan would, 
and the smaller ones are muuuuuuuuuuuch easier to 
have approved.  

I hope you don't have to go to terribly drastic 
measures, and I hope things start looking better 
as a little time goes by.  You'll think better if 
you sit down and try to become less freaked out.

-DGR (who knows about evil holidays, considering 
her mother just saved her one big time, under the 
guise of a sociopath with a restraining order 
named 'dad', so remember, you're not alone, other 
people have been there and come out ok)