The lady I spoke to there was great and let me have my few tears of frustration. It was a weak moment when I was home alone and allowed myself to worry about the small stuff. A no no! You generally need to be on a pension or in a registered with Centrelink, and she admitted there is a gap in the system for the needs of regular people who just need a small leg up to start with.
The responses on here are brilliant.
It is hard to express your worries though, but this website has helped me more than anything so far.
thank you sillysam