Yes, saying goodbye to your characters can be tough. At the same time, you will have led them through tough times until they can manage on their own to have a fruitful and happy life (that is, if you don't kill them at the end, but deep inside, I know you won't do something this evil. )
As for the financial hiccoughs, I think there are some good role models in some of the fiction around, teaching you to set up a credit card fraud, an illegal porn website or blackmailing your relatives. Seriously, I hope you can pull through.