How do I know what my passion is?

Your passion is what you do naturally, easily and well. You don’t even have to think about what you are doing; you just do it. This activity is so fascinating you can't stop thinking about it. You may think everyone can do what you do so you take it for granted. Another clue is that the passion is often what embarrasses you because it is so close to your heart, just like you feel when you are in love. 

What is the difference between a personal interest or hobby and passion?

Passion is what you value not only for yourself but also for others, as when you read a good book and you want everyone to read it. A hobby or personal interest is just for you, for your own pleasure; it does not necessarily help society. Notice what you do on your own that helps others to improve, learn and grow, or that entertains them. That is probably your passion. You just didn't know others would pay you for what you do for free.

Start with small steps: first, be sure that you are not using the kids, mortgage and bills as excuses for not taking the risks that scare you. Next, set aside time every day to think about what makes you happy. Make a list of the times when you exceeded others' expectations. No one told you to work harder, you just did it.

Meanwhile, cut back on overhead, throw away your credit cards except for the one you pay off every month, if need be sell the house and move to a cheaper place. Remember that the best example you can give to your children is to do what you love with all your heart and soul. The worst example is to stay in a job or business you hate and complain about it. Then your children may blame themselves for your unhappiness.