I'm an aspiring therapist. I'm not that old, but it's quite hard to say what your problem is unless I can get you to talk a bit more.
Overall, I don't know the situation between you and your ex-girlfriend, and everyone has bills, of course. You're an adult; we all have responsibilities and bills is just one of them.
It sounds like you could have some kindof anxiety disorder. My father had a bit of an anxiety disorder growing up; for me as well. It's a fear of what's going to happen in the future. Where are you going in life? You probably often question yourself many life-risking questions. Your head is constantly full of thoughts.
Are they bad thoughts? Or good thoughts? Or are they half and half?
