Yes. Starting over is not as bad as learning how to do it the first time around. Fewer mistakes, mis-steps, or trial-and-error. Good luck! Meanwhile, if the web is all you have, might look for a burger flipping (kidding as to what kind of job!) job that will give you breathing room to get back in the saddle. Been there, done that, don't want to do it again.
BTW, Welcome to Webmasterworld!