HUgs hugs and more hugs!!!!
Start out slow with replacing those negative thoughts and break each stream of negatives into small pieces.
YES YOU CAN DO IT> Give it a try.
Let's take your post and go from there.
"I don't know how to replace..."
Try this or something like it:
I'm just starting out with learning how to do this and that's OK if I can't come up with a direct counter to the negatives just yet.
or
I'm new to this and as I go through the program this will get easier.
"an impending divorce..."
Ahh, just these simple words, ouch.
try
Life is changing for me right now and I'll learn to handle it more effectively by working on this program. Yup, I really will. I already started.
"..huge financial dilemma..."
Try
Right now my finances aren't what I'm comfortable with,(OK maybe they stink right now) but I'll get to the point where my finances will improve. It'll take a bit of time, but in the meantime, we'll be OK.Better times are up ahead.
Nooo way, don't shake your head at that one!
Things WILL look up.
"Friends joke about the "dark Cloud..."
TELL THEM TO KNOCK IT OFF

and send some encouraging, uplifting thoughts and words your way!!!!
TRY
Hmmmmm, maybe it would be a good thing to surround myself with friends who are more positive.
"I would never be able to write down every negative thought"
Try-
I can start by writing down a few a day and working on positives to replace them and just make little checks marks in a tiny notebook for the rest of them, or most of them. If I can't think of a positive for all of the ones I write down, SO WHAT, at least I realized that the thought was negative. It's a start.
"I feel absolutely out of control"
try
OK, there's no way I'm absolutely out of control if I can sit here and post on this website
and
By the way, anybody would feel a bit, or a lot overwhelmed with divorce on the horizon, and kid issues. This will pass, it will.
It's OK that I'm feeling stressed and I'm going to learn and have already started on the path to dealing with all of this better.
Don't pick on yourself so much!!!!!
Lots of us have been to H-- and back at least once and guess what????
Life is good, and this program is great.
We have rough times,and bad moments and every one of them passes. We just have to let each one go as they do.
Now go hug yourself and keep on learning how to love yourself.
You'll get there.
God bless and hugs!