Funky for a few days

I have been in a real funk for a few days.  My doctor changed my prozac to 40mg from 20mg and I don't think it helped at all.  I feel like a failure and dispair is like a coat I'm wearing.  I owned a business two years ago and we closed when my husband and I both got sick.  We owe some people money and legal stuff happened.  I beat myself up way to much. Bipolars don't do good with money and it takes money to get me out of this trouble.  I feel stupid and have no one to turn to.  Praying  or crying doesn't make  me feel any better.