What is the next step of this awful depression?

I have been in a major depression for approx 18 months. I can see no point to life whatsoever and have felt like this for a very long time, every day is filled with worries about paying the bills and all I can see in front of me is money problems and heartache. Someone I loved very dearly was tremendously cruel to me (which is when my depression started) and I have not been able to recover from the deceit and the shock. I don't know where to turn but realise I need some serious help as I can no longer carry on living my life this way, can I admit myself to hospital and if so what do I need to do?