hi, any ideas feedback might help, thanks in advance... I'm now getting desperate as I'm at a stage I could lose everything I have left which is not much, just a modest apartment, i have no family and few friends as I traveled a lot in past. I have ran my own businesses over last 20 years, I'm now middle aged. I have no recent job experience besides working about 10 years ago was the last official job I had and that only lasted 3 months for the trial period. My business failed about a year ago and since then I have slowly got into more debt which is quite high plus I have not been able to pay my mortgage for 2 months and the bank have given me to late Jan to get that sorted out and to start making payments again. I have tried looking for jobs in this time and I had small trials in kitchens but i was not wanted and I have got tired of doing free trials and been used for nothing. I'm on Newstart and get about $265 per week as I get no rental assistance since I have an apartment with about 60k to 100k equity if sold. My mortgage payments are about the same as my dole so I can not have anything to live on if I pay the mortgage. The job centre also want me to do 3 days a week now for work for the dole so that will take up a lot more time as well. I think that starts next week. I'm thankful for the payments and I hate been on the dole, it really is heartbreaking when I was at a recent restaurant for another trial and the 16 year old kid doing the dishes and the 3rd chef were saying how they want more days off etc when I was there and I was thinking I would do anything for their job.. I would be better suited to IT work in computer graphics and Internet but I have no recent work experience and I feel strange applying for jobs as I know I would not fit in at any work place as I never did in the past so it would be even worse now. I have to put team player and rubbish like that on my resume to apply for jobs but I'm anything but. I have worked alone for last 20 odd years, shut off from the world. I should sell my place but I I know that is my last desperate thing as I would never sell unless I have no other option and it looks like that is the case. I have been desperately looking for working even cleaning. kitchenhand or labour. I went to a quite a few trials as mentioned, one I worked hard for 5 hours, got no pay, not even a meal or a phone call as promised to say thanks but sorry you never got the job. I only have a few weeks before the banks and creditors move in to start the bankrupt process I guess for my other bills as well like my strata which near $1000 and my water and rates are now overdue. I did think about selling my property and I would get out of debt and have cash if I did that but then I would have no home and it could take a year to sell. I would also not be able to get it on the market till late Jan now by the time they come back from the holidays and the 3 – 4 weeks it takes to get it even legally on the market. Also, I had plans to spent 5k on it in the future to make some renovations and that would bring the price up a lot but if I sold it now it would get much less as the bathroom has issues. An option is to rent it out again and that would take care of the mortgage (if there is no issues) but I need to spend a bit of money to do that as it needs some plumbing done. If I rent it out it means I still have to look for a place to rent myself and I would not have anything for a bond so it would be limited. I have considered becoming homeless and maybe buying a tent and moving to Central or somewhere although that could be dodgy. I can rough it out so i could buy a tent and live anywhere. I'm thinking I could get a job in an orchard or some where there is some seasonal fruit picking jobs just to help with my bills but I see none advertised so I'm not sure how to get these, does anyone know? some ideas on how to find any job would be good, Im over 50 now with no family or close friends anymore. My girlfriend left me when I became broke. I looked at Realestate,com.au today and seen there was a sale in my area of a unit with 2 bdrooms like mine but it was about 40k below what I was hoping for mine if I sold it. The market must have dived here in Hunter. I'm also on my last few weeks of my payment holiday that I took out and that ends in January when i will have to make payments again. I have no other assets and only super of 3k as I lived and traveled overseas when younger a lot. How long do I have before the bank will take the property of me and do a forced sale? I also have a 10k credit card debt that I had put on hold 6 months ago and that hold ends soon too so things are looking terrible and I have no way out, I can't even find a job washing dishes. On the positive side I have been accepted into a business course where I will start my own cosmetic company but I only have a month before that starts and I need to get my bills sorted out before then. I know in the future things will pick up, I'm working on 4 or 5 business startups at the moment and this is all with no money. so if I did sell my house I would make use of the money and it would not be wasted. But I hope to hear of some ideas how to get relief from bank and how to get job. also, I have put applications into places like bunnings, coles, woolies and applied for many jobs on seek in last week but got not one reply. i guess as its a busy time of year.