Though I'm a little late to the party, I'm with the others. Sell the cards, if your financial situation improves you can certainly re-buy any "things" and if it doesn't, you will have at least taken some of the financial pressure off for the time being.
I'm in a similar situation lost two long-time contract gigs in 2011, couldn't find any full time work so I started a business (I've pretty much been self-employed all my life but at a lot of different things). Long story short, the business is a bust, I'm way over my head in debt, and pretty much temporarily shot my credit.
I'm at the point that you are at - have some very nice things I'm reluctant to part with but as one poster said, a man's gotta do...
For me trying to deal with things in the NOW keeps everything in perspective. All of us collectors love to live in the past, it's just our nature, but times like this you have to let go of some of that. The things can be replaced, the memories will always be there.
Best of luck.
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