Kat -
1. I wonder if the main reason we avoid pulling our heads out of the sand is because we think if we do, we will discover we have no options, and that the reality will be painful. Frankly, sometimes this is true. Plus, if it’s true that half of what we worry about doesn’t come true anyways, keeping our heads in the sand makes a certain amount of sense - eg., we do it as a lifestyle, and what do you know, we manage somehow, and in the meantime we’ve avoided the worry that might have come if we looked at the facts. Of course, I believe that over the long haul we increase the odds of handling our finances well by consistently not hiding from our realities.
That does NOT mean that everything gets solved. It means we solve more things than by not even trying.

2. You are facing some (mildly) tough options:
insurance won’t cover you
you don’t have savings
you don’t want to use holiday time on this
you don’t want to have to take a step backwards with your LOC
There is no easy solution in sight, but you have used your creativity to inquire of the universe and of yourself whether there is a way to increase your income . I applaud you entirely, and who knows, you may discover you do get additional income.

If not, remember that distinction I made in class between “Goals” and “Desires”. It might help to remind yourself that your DESIRE is not to use your LOC, but it does not have to be a GOAL, which implies success/failure. Obviously, getting it down has payoff for you. But it won’t be the end of your world, or your financial progress, if you have to dip into it a little. It’s a step back, nothing more, and the ground will be regained.

Again, applauding you for looking at your reality squarely, and making the best decisions in the midst.