Hello sadman and so sorry to hear about your problems.  You should not feel guilty; you didn't know you were going to have a terminal illness; nor is it your fault that life can be so difficult financially at the present time; jobs are not the same secure thing they once were and housing is horrendously expensive.  So whatever else do not tear yourself apart.  First of all make sure that you are getting all the benefits to which you are entitled due to your diagnosis.  MacMillan Cancer Support are very helpful and will give assistance with filling in the necessary forms (Freefone 0808 808 0000 Mon-Fri 9am-8pm) and advising about benefits generally.  I expect your situation is not so very uncommon in this day and age but you should not let it spoil whatever time you have left with your family so get it resolved now.  I am sure your wife would not want you to beat yourself up but would rather spend quality time with you.  Please let us know how things are going and that you are getting some help with these issues.  Annie