"It's not like I could cut back on my business or tighten it up, I don't have a huge amount of overheads,"Ms McPhee said.
"I've never seen the financial counselling sector at such capacity."
"More people are talking about having to prioritise shelter over food or other essentials."
"It is definitely nerve-wracking and it is taking an emotional and physical toll as well,"Mr Battushig said.