I agree that it sounds like depression. Since you don't have the insurance to go to the doctor, try getting Sam-E from your local health store or GNC. DH has gotten mild depression that sounds just like what you describe, but getting him to a Dr for it was like I suggested pulling his teeth with a pair of pliers. He'd stay home from work for 3-4 days straight , stay in bed and cry (with the occasional snapping at me for no reason). It was hard on both of us. We heard about Sam-E from a family member with the same issues and thought we'd give it a try. Oh my gosh! We both noticed a HUGE difference! It doesn't hurt to take a daily Vitamin with vitamin B and D in it too, just to give yourself a boost.
I wish you the best of luck!!