Kayla,
If this is you, and not your webmaster . . . first, sorry you are stressed out.
I've seen you post here before but this is the first time I looked at your site - you're attractive. If you've been on the internet with your own site that long, you should be worried about retirement by now, not worried about a monthly hosting bill. Unless of course you've had some sort of financial problems in the past
What I mean to say is that you should be very wealthy by now.
I suspect that it is a mix of both not enough traffic and some problems with your tour, but something is wrong. If you'd like some suggestions let me know and I'll shoot you an email
If this is not you, but the guy running your site . . . dude, get another profession.