Thanks for the replies
We can’t change our loan to interest only… I can’t remember why (maybe because it already is?) but that was one of the first things we looked into.
Already shop at op shops & buy secondhand! Does save A LOT doesn’t it? 
Feeb – DS is 2 and on cows milk, DD is 5 months – need to update my ticker lol!
Ebn_d - our super company were more than willing but our mortgagee said we had to wait a certain amount of days before they’ll send out the paperwork the super company need. I will give the department of human services a call, thanks!  How do I go about a utility relief grant? We owe quite a bit on utilities.
Thanks for all the great advice. I’ll be giving our local charities a call and having a chat to everyone to see what we can do. It’s just a big step admitting out loud how bad things are.