Wow, I feel SO much better... I just got off the phone with our bank. Turns out a system glitch had resulted in having the car & loan payments taken out doubly each month, and they're going to go back and do research and see how much of the NSF fees we were charged we shouldn't have been charged... (I'm betting somewhere in the $2000 range)

Now to the other fifty million things causing me stress that I need to work on.