Well, I understand what you are saying, perhaps a good friend can help you do this? This is not even hard to but I get that you might be scare to do... I know I was the first time I did my first build.
You do realize that the more this issue happens the more risk you are putting your computer under, right? Perhaps is time to prioritize your life... what you want
to spend the money on and what you need
to spend it on