You may have heard this before.  Try contacting your mortgage company and explain the situation regarding your financial situation, my mortgage company sent me a budget sheet to fill out.  Then they were able to adjust my rent accordingly.  Have you heard of Angel Food Ministries to help with food each month it has a different menu of food to order, it only costs 30 per month.  Try putting your power/heat bill on a budget plan if you can. 

I don't know if you or your fiance has problems with high cost co payments for prescription medications. If you do.  There are many prescription assistance programs out there.  List the med. then it will list the program. 

www.needymeds.com

www.helpingpatients.org   I think it is org if not is com

First Have you heard of the cold weather rule where they can't shut your heat off.  Are you on food stamps, child on Allkids she would elgible.  Check Salvation ARmy for assistance for shelters if needed or Catholic Charities on 5th Street.  There are ways they could help you even if you become homeless. 

I personally would like to find more frugal recipes, better ways to be green in my home. 

 On the other side.  I would like to help people.  I would like to start a resource service where agencies(companies, churches etc.) would pay to me to help other to better their lives.  I like to look for resources.  I would like to find a way that they would be willing to pay me for my services (churches and companies) like I was a employee assistance agency.  Just try me.