Lost job, house , hope and nowhere to go with a family of four. 

Went from being well off for the last 10 years to having the rug pulled under me and losing it all. Yes I am one of the variable rate holders. 
Folks when you have and are able to do anything or provide your family with everything and then in 3 months you just have nothing  

My advice is save while times are good. Tough times do come around. And always take care of your mental health. Without it you have nothing. How do you tell your kids that you are an absolute loser and we can’t live in our home of 10years anymore because the mortgage payments are huge.