B737 FIRST OFFICER REPORTS FATIGUE DUE TO DEMANDING SCHEDULE AND LACK OF SLEEP OVER IMPENDING FURLOUGH. DECLINES NEXT TRIP.

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MY REASON FOR CALLING IN FATIGUED DUE TO THE FACT THAT I AM UNDER HIGH STRESS AND ANXIETY OVER LOSING MY JOB AGAIN. I WAKE UP SEVERAL TIMES IN THE NIGHT IN A PANIC OVER HOW TO PAY MY MORTGAGE; MY BILLS; AND FEED MY FAMILY. MY HUSBAND IS NOT MAKING MUCH MONEY (STAY AT HOME DAD); AND I AM TO THE POINT WHERE I ALMOST DO NOT SLEEP AT ALL. THE FIRST DAY OF THIS; WE FLEW 9 HRS 24 MINS. WE DID HAVE ADEQUATE REST AFTER THAT; BUT WITH MY CONSTANT WAKING I WAS NOT ABLE TO CATCH UP. LAST NIGHT WE FINISHED THIS AT XA18. I WAS THEN CALLED FOR AN XN20 SHOW TIME FOR ANOTHER 2 DAY THE SAME DAY. AT XA20; I MISSED THE LAST PEOPLE MOVER WHILE I WAS SECURING THE ACFT FOR THE NIGHT. THE CAPT AND I WERE TIRED AS WE WALKED AWAY FROM THE ACFT; AND SUDDENLY I REALIZED WE HAD NOT TURNED OFF THE BATTERY. SO I RAN BACK TO THE PLANE TO TURN OFF THE BATTERY. THEN IT TOOK AWHILE FOR ME TO FIND SOMEONE TO DRIVE ME TO THE MAIN TERMINAL. ONCE I FINALLY GOT TO THE MAIN TERMINAL; I FOUND THAT THE EMPLOYEE BUSSES WERE RUNNING LESS FREQUENTLY AT NIGHT TO SAVE FUEL. I ARRIVED AT MY CAR AT XB30. BECAUSE WE HAVE SOLD OUR GOOD CARS TO SAVE MONEY; I NOW ONLY HAVE AN OLD SEDAN AND AT THE EMPLOYEE LOT I FOUND MY CAR WOULD NOT START. NOW I HAD TO CALL A B767 CAPT FRIEND TO COME AND START MY CAR. I HAD A SPLITTING HEADACHE AND I NEVER GET HEADACHES; PLUS I HAD 4 LITERS OF WATER IN THE PAST 7 HRS SO I DIDN'T THINK I WAS DEHYDRATED. MY CAPT FRIEND THOUGHT I WAS PROBABLY EXPERIENCING THE EARLY SIGNS OF FATIGUE. I FINALLY GOT HOME AROUND XD15 AND I KNEW THAT WITH TFC THE FOLLOWING DAY I WOULD ONLY GET 4-5 HRS OF SLEEP IF I WERE TO FLY THE NEXT IDENT. WHEN I GOT HOME I SAW SEVERAL AVAILABLE RESERVES SO I CALLED SCHEDULING AND SAID THAT IT WOULD BE A SMARTER IDEA IF I CALLED IN FATIGUED DUE TO HOW I WAS FEELING. IT WAS THE RIGHT DECISION BECAUSE I COULD NOT GET TO SLEEP UNTIL AFTER XE00. MY HUSBAND WOKE ME AT XG30; 2 HRS BEYOND WHAT I WOULD HAVE HAD TO FLY THE NEXT. I WAS SO TIRED ALL DAY LONG AND REALLY UNFIT TO FLY AN AIRPLANE. IN 20 YRS OF FLYING; I HAVE NEVER FELT THIS WORRIED; STRESSED; TIRED; AND WORRIED (TWICE ON PURPOSE). THE SCHEDULER LAST NIGHT UNDERSTOOD THIS AND WAS SO KIND TO ME. I REALLY WISH I HAD KEPT HIS NAME!