I hate to say it, but you appear to have more problems than your central heating. The solutions given are short term only and can't even begin to sustain you until April. What may seem like a glib comment by me is that you appear to be seriously overextended from a financial standpoint. Your long term solution would be to find somewhere else to live, and place your house on the market. It sounds to me like your dreams exceeded your ability to pay fot them. Sorry, it looks like you will have to retrench and tailor your dreams to your income.