All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad, sallallaahu ‘alayhi wa sallam, is His Slave and Messenger.
We ask Allaah The Almighty to alleviate your troubles and facilitate your affairs. You know that life is a place of trial where Allaah tests the believer with good and with evil, and each state of the two has its own worship. A Muslim shows gratitude in times of prosperity and patience in times of affliction. To learn about the merit and importance of patience, see Fatwa 83577. In fact, discontentment does not change what has already happened, nor does it ward off what will happen. On the contrary, it increases one's regret and sorrow. The Prophet, sallallaahu ‘alayhi wa sallam, said: "When Allaah loves a people, He tries them; whoever is satisfied will get satisfaction, and whoever is discontented will get displeasure." [At-Tirmithi and Ibn Maajah]
However, affliction may strike someone as a punishment for a sin he committed or as a trial. So, a Muslim should not preoccupy himself with the past, but he has to think how to get out of this affliction by supplicating Allaah often, seeking His forgiveness and utilizing the lawful means available. When he finds it hard to earn sustenance through a particular work, he should try another. The Prophet, sallallaahu ‘alayhi wa sallam, said: "Adhere to that which is beneficial for you, seek help from Allaah and do not lose heart." [Muslim]
As to the time when this dilemma will be over, it is a matter of the unseen that only Allaah knows. You may console yourself by knowing that this is a general crisis from which all people suffer.
On the other hand, the Hadeeth that reads: "Charity does not diminish one's money," is authentic and was narrated by Muslim. Some scholars interpreted it to mean blessing one’s money and protecting it from plight in the worldly life, or multiplying his reward in the Hereafter. Therefore, Allaah may bless your money in this life and make you earn manifold after this crisis. Perhaps Allaah The Almighty has removed greater harms from you which might have afflicted your money, or that He stored the reward for you in the Hereafter. The most important thing is that you leave the whole matter to Allaah and do not bother yourself thinking about it. Additionally, a Muslim has no right to consider his righteous deeds as a favour to Allaah, because it is Allaah Who has the right to consider His bounties as a favour to His creation.
As to what your mother said about the baby boy, we do not know any evidence about it.
Again, we stress that you maintain patience and you will find its good consequences – Allaah willing. The Prophet, sallallaahu ‘alayhi wa sallam, advised his cousin Ibn ‘Abbaas saying: “Know that victory comes with patience, relief follows trouble, and hardship is followed by ease." [Ahmad]
Allaah Knows best.