hi there lovely ladies thanks for all your advice, I ve read my post again and it sounds like I was looking for a bloody handout which I definitely wasn't, just some advice about how to get through this bit, I've rung around this morning and am going to pay off the bills slowly now instead of stressing about how to pay them in full so it will all work out just had a bit of a panic attack this morning as they were all due within a week of each other. Normally Im pretty good with this stuff and we have cut back on heaps of things to budget properly, definitely wont do a go fund me page as I feel there are people out there worse off than me that need it more. @brenda I don't have a redraw on the mortgage either and too much stuffing around to use the equity, so cant be bothered :) and cosette how hard do you think it would be for me to start a charity for situations like this where I could help even just a little bit for people in the same situation??? I would love to help @melclarity for example and there are so many others. Margie :)