Hello I believe I can help you with your concern
I am sorry that you have been experiencing these symptoms, I can imagine how distressing this is for you
I would like to ask you a few questions to evaluate you better, and give you the best possible information if that is okay for you.
When did you fist start to notice these symptoms of extreme mood changes and insomnia?
Okay, and can you describe the mood swings in more detail for me please?
What about extreme sadness, does that ever factor into your mood swings?
Okay, and how often do your mood swings occur...every day, once a week, every few months they occur?
May I ask why you have not held a job longer than 2 years?
So I believe that you do not have Bipolar Disorder, as your mood swings are not typical of Bipolar Disorder and occur too frequently, so that is the good news. But I do believe that your mood swings are more caused by a mix of depression and anxiety/stress
Now you mentioned that you do not have insurance and do not have much money, so therapy may be an option for you in some places. Many therapists work on a sliding scale that can provide you with therapy for lower fees based on your income, or lack of income. Also I can teach you some therapy techniques and recommend some books to help you
That lack of motivation and blaming yourself are typical symptoms of a depressive disorder
Yeah some antidepressants can lower your libido unfortunately, but it depends on the antidepressant and others have a low incidence rate of causing those side effects. You also may not need an antidepressant to help you. There is a therapy called Cognitive Behavioral Therapy (CBT) that is the most evidence based therapy that can help you. CBT's premise is that your depression and anxiety is caused by negative thoughts, so it works by changing your automatic negative thought process to be more positive and probably, which will lessen your symptoms.
Here is an example of a common and effective CBT technique that I use with patients. This link contains a technique that will help you keep track of any negative thoughts you have. You put the negative thought on paper, the emotion accompanying, the evidence to support it, and the evidence against it. Then I want you to come up with an alternative thought for the situation (more positive and plausible). This will help you change your way of thinking to be able to think more positive and not automatically go to a negative type of thinking.
Anytime, is there anything else I can assist you with?
Well therapy appointments in person are only for 45-50 minutes and you can go once every two weeks, so that is not a lot of time out of your schedule. Also therapy is not a quick fix, it is a gradual approach to help you. There is also e-therapy that you can try too, this is therapy from your phone, chat, or from videochat at your home, which may be more convenient for you. The dismissive thoughts you are getting are negative thoughts that are fueling your depressive symptoms
I believe that therapy will help you greatly, but you need to give it a chance to be effective for you. I can also recommend a good book that will help you as well