I would really appreciate any advice here please. I am 35, single, on interest only with my mortgage lender as I wasnt making ends meet after a large pay cut in January and I still am not coping. Over the last two months I have missed countless direct debits which I have mostly caught up with by robbing Peter to pay Paul ie missing another one to pay the last missed one. I owe family and friends money (about 1000 to friends and 3000 to parents after en extended unpaid sick period from work last year), have a credit union loan (c 3,300) and bank loan (2,460). I have no credit card anymore (bank loan was got to partly pay that off). Total debts: Mortgage 182000 CUnion 3300 Bank 2460 Family etc 4000 (no one putting me under pressure but I feel awful about oweing them) I get paid weekly and just don't seem to be able to cope financially anymore. Also, I have a mental illness and the stress is making me ill again. It is currently almost 3am and I haven't slept a wink. I feel sick constantly cos I can't make ends meet. I have reduced my tv & phone packages to cheap options, sourced cheaper car and house insurance, pay my tv licence with stamps, get my groceries on special when they have been reduced etc. I have gone through every bill and cant see a way of cutting back anymore (I have medical expenses which don't help but my parents are now helping with my VHI and my amazing doctor is not asking for a fee anymore, I am very lucky in some ways yet I still can't manage). I am at the point where on a Thursday I take out 100 euros when I get paid and that has to cover petrol, groceries, my (low cost) therapy (only a tenner and vital for my recovery) and general living expenses. I don't drink or smoke (couldnt even if I wanted to) and just can see no way to further cut back. I have read about Credit Union budget accounts and wonder if one might help me? I am desperate. Right now I just want to close my eyes and make the fear and panic go away forever. Please somebody help.