Re: Can I get some ideas of what to trim please?
You need more money somehow.
With 10 people I imagine you use a lot of electricity but maybe see if you can get that down a bit but even if you brought it down 25% that is only giving you $100.
I'm thinking the bank needs a visit. See what you can do about that mortgage. We've recently run into some financial difficulties and so I visited the bank to sort out a new payment plan for the mortgage. I don't know about Australia but it's almost never worth it to refinance here at a lower interest rate because the banks charge a penalty to get our of the original mortgage. We have to wait for our term to be up and then get the better rate. My mortgage also has a 'skip a payment' with no penalty clause and various other things like that. Perhaps yours does too?
If you can't find more income the next best thing is to figure out the best way to borrow money at the lowest rate possible so you can get by until things improve.