I am sorry to hear what you have been going through. Before we
talk about wisdom, I advise you to believe strongly in Goddess of
Mercy (Bodhisattva). Instead of praying to her in the Taoist way
(by holding 3 joss sticks), recite her name (南无观世音菩萨)everyday as
many times as you can. You can recite silently in your heart if you
don't have the time to sit down and recite. Ask her for whatever
help you need to pull through you current situation. You may not
see the immediate effect but helps will come in many forms. You may
meet people who are willing to help you etc. However, praying alone
and do nothing to help yourself is also not right. Bodhisattva will
only help those who help themseves.
If you believe in karma, I would say yes, this is not just your
karma but collective karma. Buddha taught us that everything is
impermanent, be it good or bad. Impermanance is not necessarily
pessimistic. Bad is also impermanent, it will become good one day.
Your children will grow up one day to share your burden so your
problems are also temporary. Instead of feeling despair,
concentrate on how to solve the problems which you are facing 活在当下.
Meaning don't think of the past, don't think of the
future, think of now. With the help of Bodhisattva,I
believe you can pull through just like one of my friend. She was
able to pull through with the help of Bodhisattva. She believes
strongly in Goddess of Mercy (Bodhisattva) and she also experience
many "miracles"(helps).
You may seek financial help from Buddhist organisation like
Buddhist Lodge (居士林).

If you continue to feel despair, your health will not improve,
and will affect your ability to enjoy your life and more
importantly is helping the study of your child。 Your child needs
your love & care. Be strong in your mind through recitation
南无观世音菩萨.
秦净乐家住钱塘,丈夫姓于,以卖鱼为生。儿子犯法入狱,家庭因而破亡。秦氏深以此为苦,常想跳河自杀。后来遇到净住寺的照法师劝她说:‘所以会有这种烦恼,都是由于他是你前世的怨家。你如果因此而沉江自尽,不如念佛求生西方。’
秦氏听了这番话,醒了过来。就在佛前烧一个指头供佛,发誓三称要吃长素。从此十年间不懈怠的念佛,见到一切人都尊称为佛的弟子。有一天,她请持戒的修行人为她诵《观无量寿佛经》。戒行人每诵完一个观想,她就念佛号一千声。诵到像观的时候,她忽然就往生了。
王氏是合肥人马永逸的妻子。永逸修净土,王氏也修念佛,持印度的十念法门。她也持破地狱偈,这首偈语出自《华严经》。经上说:“如果有人想要知道得清楚明白,过去世的,现在世的及未来世的一切佛的话,就应该要观照十法界的自性,一切都是真如本心所造出来的。”
[偈出华严经。云。若人欲了知。三世一切佛。应观法界性。一切唯心造。]
有一天晚上,她梦见阎罗王来向她道谢说:“很感激蒙受您持偈语的功德,使得地狱的众生,很多都能生到善道去。”后来王氏生病,在口念佛名中去世。她的亲属及侍女,都梦见她跟他们说:“我已经往生净土了。”(乐邦文类)
常熟人陆寡妇,二十岁时丈夫就死了。她持斋念佛,与人无争。六十七岁那年死亡。
死后,焚烧她生前所穿著的衫裙。当火焰及热气都消失之后,忽然在那堆灰上,发出金色的光芒,大家一看,灰里面有几十尊佛的影像。乡亲都聚集来观看,人人皆焚香膜拜。这是康熙三年时发生的事。(果报闻见录)
南京人杨选一的妻子是南昌人,她在三十岁生子之后,就与丈夫分房而居,让丈夫娶妾。她自己则长斋念佛,如此过了十五年。
那年的八月,她的背生了一个疽,痛入骨髓。她见到有一个凶恶的鬼,拿刀来逼迫她,结果被一位大力神赶走。恶鬼一走,她的背痛马上就停止。
不久之后,她就跟丈夫说:“我要走了,有四位童子来迎接我,你可以用清茶来供养他们。”丈夫问她要去那里,她回答说:“要去西方。”于是就合掌唱佛名而逝世。(净土晨钟)
http://www.foshu.org/books3/2071.htm
善女人往生传