Hi @Inprogress

It's been a couple of days since your original post and I hope things are starting to look a little brighter for you after the weekend.

Firstly, congratulations on posting your story here and asking for help - that in itself is a huge step and hopefully a small weight off your shoulders. There are so many people on these forums with helpful advice and people who genuinely care.

You are going through some major stresses at the moment and having the strength to post here and ask for advise and help is huge! Take care of yourself and your new baby first and foremost.

GP - My best advice would be to visit your GP and discuss how you are feeling and the struggles you are having financially and the pressure that is putting on you. They will also (hopefully) have some resources available for you to look into, there are a lot of community based organisations that can help you - personal counselling and financial advise can often be free or at a very discounted rate, they can be hard to find though.

Financial difficulties are painful no matter what the situation but being close to welcoming your 3rd child and going through this at the moment is going to be a very stressful time for you.

Centrelink can be painful but can also be very helpful and they are not always the 'bad guys'. We've had some great help over the years from centrelink, also some times where they have been no help at all... Some times it just depends on the person who comes out to help you and what mood they are in. As painful as centrelink is to visit I would suggest going in to see them or making an appointment asap and explaining your situation with someone and getting their advice on what to do, what they need you to do and what benefits you might be entitled to. Even if you have a debt with them there are always schemes available to help get you through these times or to lighten your load.

A good customer service rep from centrelink will also have a few contacts or agencies that can help you sort out your finances or your situation.

Your husband sounds like he is trying his best to keep everything afloat and keep things together and 14 hour days and long weeks hurt and are hard on everybody.

I'm not sure if you are able to private message on this site or not. I was drowning in debt 9 - 10 years ago before my son was born. I ended up going bankrupt (Which was the best thing I could have done!) I went through so much and spent weeks upon months trying to find a way out of my debts and financial troubles, if you want some advice I might be able to help you with out having to go into details on the public forum)