Definitely Stressed

I redid the budget today, again pushing back a possible date that S starts to bring home a paycheck. I am supposedly getting a 5% raise, as opposed to our annual 3% raise b/c I raised a fuss about getting a better raise this year, starting Sept. 1 and I wanted to use it to open a Roth IRA but now that doesn't look like it's going to happen then after all. Right now there are so many variables to guess at that it's hard to do any real financial planning.

• IF S gets hired in August by one of the agencies he's already interviewed at, then we will be sitting pretty.
  
• But if he doesn't get hired, then IF he starts the process to join our Reserves and takes the test on Aug. 9, it could take him a couple of months to get fully hired on, so we'll be sitting pretty in... late September? October? Possibly November? Jesus, that's a long time.
  
• And IF he still is not working anywhere in September, I am going to be withdrawing all kinds of money from savings and I'm so scared to do that. It might be better just to quit over-contributing to the CC payments temporarily, but that hurts me psychologically. Which is the worst pain?