Neal: the serenity prayer:
God, grant me the serenity to accept the things I cannot change,
the courage to change the things I can,
and the wisdom to know the difference.
Works for me!
you can pray to your "higher power" whatever that may be....you'll be fine, when I was your age I was going to school full time, working full time, and raising a baby! I am now a grandpa and we are flush! Just take a few deep breaths and live for the moment!
And remember: one step at a time, one day at a time!
And bascically what zoom said is the best, and sort of what I am saying here.