Our expert says:
Many people don't have enough money, and strange as it may seem to you, most of them are not depressed. Have you sat and analyzed your spending, to find out how you can have run out of money only days into the new month ? Examine what savings could be made. If you ARE depressed, this is not the best time to start any new business --- see a doc for assessment, and discuss treatment options if you are indeed Depressed, rather than perhaps unhappy and anxious about a particular current situation.
Some depressions seem to arise for clear external reasons, some from internal chemical reasons even when everything in someone's life is going well. Only the doc assessing you can explore this and help you understand it as regards your specific case.
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