I can really see where you are coming from, but you need to think about the positives.
You have set up and are keeping afloat your own business, do you have any idea how many people wish they had the guts to do that?
It is never too late to make a fresh start - don't leave it 'til the new year.
Here is a link to a programme that I have used in the past - I think that you can do the basics for free:
http://www.bestyearyet.com/Personal/BYYOWelcom e.cfm
It is really worth doing. It forces you to think about what is good about your life and you make an action plan in bite size chunks to get you to where you want to be. It would be great if you could team up with someone else to do it as well and then you can keep each other on track. Do you have a friend or family member that would also like to achieve something more - even if it is simply managing to keep on top of their housework!