i understand what you are saying, we were living beyond our income, first we lost our home this took about 9mths kept this quiet and still all the ppl we talked to kept saying how much they were short in money, then we were homeless no help because it was our fault so we went and split the family so we could have somewhere to sleep at night, this lasted for three mths eventually my hubby myself and son stayed at his mothers but before we could we had to clean we paid this out of our money,

while we were going through this we were keeping our cat and dog in kennels
going bk to being homeless sleeping on mother in laws floor
still nobody would help rehouse us and none of the rentals would take us as we had to claim housing benifits

in the end we went bk to council asking for help again still none to be had except this nice bloke said he had been told about a property come to rent that might take benifits

so here we are today because this man told us about the property we have a home we had to eventually give up the pets and in the last year we both have filed for bankrupcy
and up to november things were inproving then my daughter put a spanner in the works
but still we here ppl moaning to us about what they are dealing with to us irl and we sit there nodding in agreement

so hang in there things will get better