Paradiseseeker; One thing about being a JW, we did things we thought we "Had to do." They weren't what we wanted to do, they were just things we felt an external pressure to do. Don't follow that pattern if you need not. Examine your needs, wants and then follow a practical plan to accomplish them. Don't feel you need to do it any particular way except one that is tailored to your reality. It's your life ya know. Not mom and dad's or the elders or even his majesty the great narcissistic murderer, Jehovah.
Take a breath, read the suggestions here, then come to your own conclusions. All the best.