I'm in a bottleneck with finances this month

[CalicoPusscat]

I can release some funds in January but the best course of action is to contact my loan I think? But I can't pay anything else.

Housing is sorted so not an issue.

It's driving nuts though as I need one months break from bills and I worry about my bank balance every day

What has caused the bottle neck, what are the compulsory outgoings? What advisories funds do you have? Do you have an overdraft or interest free credit card?

Can you change the payment dates for various bills to later in the month so they each fall AFTER your next pay day.
Can you take on an extra job eg hospitality a couple of nights /weekend days a week?
Anything of good value you could sell easily/quickly this time of year?

Can you work out how much you are going to be short by and get an overdraft for that much?