Chriskre, I believe your issues are real. I have worked with senior managers and even a director in finance with personal financial issues. Many here are numbers oriented and future thinking - a personality type often described at INTJ. I think the reality is many posters here are the outliers by being able to think 20 - 50 years down the line. I get that many people do not think that way, but if you want to get your finances in order you have to thinking about where you want to be financially in 30 years and work back from there. Begin with the end in mind.
We've all given you our basic LBYMs advice. Here are my creative suggestions per your request:
Instead of just selling jewelry, consider making an online jewelry making class, a tutorial or youtube video on jewelry. Something you can make once and have viewed thousand or maybe millions of times far into the future, collecting ad revenue and course sign ups along the way.
Also look for something you can do online and from home with a salary to cover your expenses right now and do the eBay business on the side until you have more income from that. Then you can drop the day job once you are out of debt, have an emergency fund and savings to carry you through a business drought. I have a friend who works at home as a paid forum moderator for a big brand company. Becoming an expert in a particular type of software can also be lucrative if you have a programming aptitude.
Also do all the passive and close to passive extra income ideas on forums like flytertalk, slickdeals, fatwallet and the Reddit beer money thread. This can add up to 5 figures a year without much ongoing effort once they are set up, especially since you have two households and three adults (your mom, aunt and you) to work with. (Skip the credit card dealies - those aren't a good fit for you.)
And cut your expenses as much as you can, even if you don't see fit for now to take some of the more drastic measure we have all suggested. Put the cruises on hold, cut the cable TV, keep a price book, sell the timeshares if you can, shop at Costco and ethnic and discount stores instead of retail supermarkets, and look for suggestions from some of the many frugal forums out there. We've cut our run rate a lot without moving just by being better shoppers, wiser spenders and getting interested in urban homesteading and sustainable living.