financial advice

hi there everyone feel a little guilty writing this post as I know many of you have been in the same position but I was just wondering if theres any advice or help out there. I started back at work  part time a few weeks ago after 9 months off with surgery treatment etc and as you might know from previous posts tried to get some super out unsuccessfully to help with the mortgage etc so now we have exhausted all our savings and I just need to catch up on these last few bills ( electricity, water rates, phone $2500)  then we can start fresh as I'm working now but I feel I am chasing my tail. Have tried all other options don't want to get a credit card as the interest rates are huge and will be forever paying it off, had an insurance policy prior to bc but changed banks and let it lapse until I got the new finance sorted, got a new policy but fell 1 month short of the waiting period to make a claim couldn't claim anything from Centrelink as hubby works, so was just wondering if there's anywhere I can get some help to just pay the above so I can start fresh without trying to pay the new bills that come up as well as these ones?? You might think hey your working now stop you're whinging and that's probably true but I'm just a bit stressed about it, asking family for a loan isn't an option either. Margie.