You’ve had a few miserable months at work — you’ve been forced to work late nights and nearly every weekend. It’s taken a huge toll on your energy level and your relationship, too. You haven’t been getting along with your boyfriend, and just last week while walking home late at night your wallet was stolen. You’re at your wits end when you get a terrible phone call. Would it be worse if it's . . .

This: The bank calling to let you know that someone has removed the majority of the already minimal funds in your account. You canceled the card, but apparently it was too late. Now, you have just $200, which won’t make a dent in your bills this month.

Or . . .

That: Your boyfriend letting you know that he wants to see other people? You knew things were bad, but you didn’t know just how terrible they were in his mind. When you plead with him, he stands his ground.

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