I used to think a head lamp was the dumbest piece of apparel you could ever wear, that was until the Hurricanes of 2004.
We were without power for 10 days during the first Hurricane. That stupid head lamp allowed me to see right in front of me, clearly, so I could do important things like make coffee on our gas grill. It also allowed me to cook, read, and find things that made everyday life a bit easier under the conditions.
I can provide for you what the head lamp provided for me, a clear path with answers to your financial issues & concerns.