That's wisdom that comes with age I imagine tek, presumably why the older you are the more laid back you tend to be (there's hope for me yet!)
Now, you know me Lunar, not one for giving stuff to the poor for no good reason etc. but your conditions sound appalling. My housemate's better half was in a flat on highfields (near the keep) for a short period and I thought that was a shit hole, as in below what even yours truly would judge to be adequate housing, and it was no where near what you have described.
If I were you I would definitely take advantage of the CAB if you can work it around your working hours - I think cookie mentioned earlier they are a PITA to get hold of usually.
Congratulations on the job by the way, it's taken me some days to get over but thankfully no heart attack as predicted