Our expert says:
Financial problems, of course, are are never improved by staying away from work. Feeling achey and miserable is best dealt with on its own, seeing your GP for help. Staying at home tends to make you more anxious, not less. Maybe you would benefit from seeing a shrink for something like CBT to help you learn to avoid and handle stress better. You seem to be describing some form of anxiety / panic which can respond really well to proper treatment, with CBT and/or some medications of the sort also used to treat depression.
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