Reconsider the anglicare loan. It's likely to be a lower rate of interest than your other debt and if it reduces the repayment pressure until your DH's pay kicks in or the house sells then that's a good thing. Also ask about some financial counseling as there may be some other ways to negotiate with the companies you owe money to, some services help you with this. The local council or women's information phone line might have info about what is available in your area.

It's worth ringing a few more charities, as there may be other services that you can use in the short term. For example some charities have food banks or food cooperatives where you can get groceries much cheaper than in the shops.

Re clothes, check your local op shops but also have a look at Kmart, Big W, best n less. They often have good warm track suits & jumpers for $4 or $5 - not much more than what you pay in the op shop. They're plain but a couple of sets of those will keep your DD warm until you can afford more.

Also there are some fantastic blogs on frugal living with great ideas for cutting expenses and super cheap meals.

Also, I know you're a sahm, but consider whether there are any opportunities for you to earn a few $ outside of DH's working hours. Even 1 or 2 shifts a week doing night filling or whatever can help a huge amount when you're really strapped for cash. Even having a clear out and selling a few things on eBay or whatever can help you feel like you're more in control.