How stressful . Can you ring Centrelink (or whoever organises child support) and get them to enforce him to make payments? My dad never paid a cent to my mum for us three kids and we really struggled. They shouldn't be able to get away with it!

You are doing the right thing by making regular payments, good on you. I don't know what sort of help the charities can give you, but it's definitely worth finding out. Can you change your mobile phone plan to a more affordable one? Or switch to a pre-paid phone? Do you have anything you could sell on eBay to give you a bit of extra cash?

Your DH really should be helping you pay those debts off, but it sounds like money isn't his "thing" which is so frustrating when you are the one left with the bill and three little ones to feed and clothe.

I hope you find some help soon.