Do you have sufficient accommodation in your home to accommodate a lodger? You can receive around �4000 in annual rent without having to declare it for tax. Nobody likes having strangers come to live with them but if you can find somebody suitable, even if it is for a short period until the Bank Rate decreases and your mortgage costs reduce, it might help. Another option is to contact your mortgage provider and see if they would extend the term of your mortgage to reduce your monthly outgoings. Obviously this will increase the amount of money your mortgage costs in the long term, but keeping the roof over your head at the moment is more important.
Also check out the MoneySavingsExport.com website.
It has all kinds of money saving advice and tips, some of which you might find helpful.