I pay my water bill by direct debit, spread out over 10 months. I couldn't afford to pay it in one go, ever.
I'm a lone parent. I work 20 hrs a week and claim tax credits. I also have a mortgage to pay, as I'm not in a council house. I get no other help, as I work over 16hrs a week, despite earning only £650 pm.
I was offered help with clothing vouchers from the job centre when I began work, so do not let clothes put you off. You could get help. I also received a job grant one off payment of £250 and in work credit (although those are stopping soon). So I had a lot of help getting back into work again. I was on IS though.
I don't find it humiliating personally to claim tax credits. My kids are only 4&5, I'm hoping to increase my hours once my youngest is full time at School. But I make ends meet (just). I haven't had a decent holiday in a long long time.
So you're not alone, we're all struggling in different ways. I hope you can find a job soon. Have you spoken to someone like CAP? They offer free debt counselling advice and can help you create a budget and make ends meet. They may help you find the £56 a month easier or apply for something you're eligible for, that you weren't aware of?
Perhaps you only want to talk right now and offload and not solutions though? I know it's hard as I was on IS for a couple of years.