Hi. It sounds like you are under a great deal of stress.
Do you ever reward yourself when you do something, or accomplish something? (Like holding a carrot out at the end of a stick?) If you're feeling pressure from needs, and critisicm from yourself and others, then wouldn't it be great if at least *you* were on your own side?
And what of your dreams? Have you moved away from them? Do you remember what they were? What would you have to do to bring them closer to reality?
I don't know if this applies to you, but to most people it does: We tend to increase our lifestyle as our income rises. With that increase we sometimes move away from our dreams, distracted by the trappings of a different lifestyle. When tough times hit and we have to simplify, we don't know where to start. It's only my opinion, but I think we all should revisit what we're doing and examine if it makes us happy, if it's what we really want to be doing. For instance, would you be happier in a lower-paying job that would satisfy you more? A job you wouldn't dread going to? It would mean having to simplify life a little in accordance with the lower pay, but it might bring you more happiness and less stress. I know it's do-able. Just a thought.
As for self-criticism, you have the right to question messages in your past that told you you were not ok, the ones that make you become self-critical. Maybe a bully, maybe a relative, older sibling, preacher, or schoolmates for example, told you something you came to believe about yourself? That's where discussion with your therapist can help.
It's ok to *encourage* yourself to pick up your heels.