Hi Anyone else in mortgage stress? 50% of my salary is going into ppor & ip mortgage repayments. I make $1547 net a fortnight. I'm struggling atm and my bank balance has been going down! I'm down to $1600 now. I'll get paid tomorrow though. I'll be ok and have some breathing space once I get my $3,500 tax return back in August, but in the meantime just to stay afloat I've had to open a new credit card with my anz account for a limit of $3000 set to min payments. Also instead of paying off my nab credit card in full each month i'm going to start paying just half the amount. I'm using the credit card as a short term back up and once I get my tax return I'll be paying off the credit cards. I'll be using the credit card to pay for expenses such as food, petrol, accountant fee, yearly water bill, rate bill. Because I have to make sure I have enough money to make my mortgage repayments. Other living expenses for the next 2-3 months will have to be on credit. In January I'll be increasing the rent from $230 pw to $245 pw. For it to become neutral it needs to get to $270 per week. So as I increase the rent that will make it easier to handle for me! I'm thinking I may have to get a 2nd job but I really dont want to have to do it due to health reasons of which i'm not going into on this forum. 1 full time job is enough for me as it is. I really need to be extra frugal now. Pretend to live like a pensioner and be so careful. The next 2 years I think will be tough but If I'm careful I can get through it. Any tips encouragement or advice would be great! Anyone else struggling too? People usually go quite when they struggle dont they and dont want to say anything.