Round and Round

Why is my life such a hot mess? I have basically zero income after all my bills are accounted for (I probably actually have negative income if we factor in credit cards and loans), I'm stressed all the time, and I'm still confused about which direction my life is supposed to be going in. I feel like I'm dancing in circles and really going nowhere. That's not how it's supposed to be right now, not for me. 

It's not that I haven't worked hard. I have a bachelors degree in German from UW Madison. I am working 3 part-time jobs, and I'm taking 8 credits at a tech college to help me get closer to grad school. Maybe I'm over thinking how to approach the rest of my life, but it seems like I'm actually working TOO hard. Is that even possible? Or maybe I'm having a hard time focusing and prioritizing my life. 

I should stop messing around and apply to grad schools, but I don't have all the prerequisites done. I should quit my part-time jobs and get a full-time one with benefits in the meantime, but how else can I work around my class schedule? I should stop spending any extra money I have and buy a car so I don't have to base my life around public transportation, but I don't have any extra money. 

I feel like a college junior when in comes to my decision making, because it seems like I've still got all the time in the world. But when I think about my life deeper than the surface, I feel like an unemployed nobody standing on the edge of a cliff. Do I turn around and try to find a better solution to get down? Or do I keep tumbling down the rocky side hoping I'll get to the bottom with only a few bumps and bruises? I don't think I know how to make my life easier, so for the time being I guess I'll just go round and round and hope the damage at the end is minimal.