Liviam- have you thought about going and seing a Lifeline financial counselor? We did and they were great. They are a free service and can help you sort out your finances, do up a great budget and also can advocate on your behalf if there are any companies pushing you around over money. I know it can seem a bit embarrassing to go through it, but the way I look at it now is "isn't it more embarrassing to stick your head in the sand when you know there is someone who can help, than it is to say hey we're strugglign but at least we're smart enough to knwo that and do something about it." It's taken me so long to get to this point- I grew up in a poor family and swore I would never get into a "poor" situation, guess now I have just realised 90% of people are "poor" at some point in their life!