If you want to make progress on your game, then game development has to be a priority. Usually when I'm giving this advice it's to people whose priority is watching TV, cruising the internet, and playing video games. To them, I think their priorities are wrong for their stated goal. But you seem to have your priorities straight: stay out of debt, avoid being homeless, other real life BS, and THEN concentrate on making a game.
It doesn't sound like you have any free-time during the work week. You could try to force yourself to be productive during this time, but it sounds like you're under a ton of stress. Forcing yourself could easily push you into burn-out as your work-addled mind struggles with tough problems.
Hopefully your job isn't a 7/days a week thing. Do you have any time during the weekend? Dedicate some time to working on it every week (even if it's just 2-4 hours). Focus on smaller features or polish when your time is limited so you can keep chipping away at it. Eventually your brain should get back in the groove so you can work on bigger and more complicated features.
- Eck