Unfortunately bank transfer for all of it, rookie error. I knew better but just was not thinking an under so much pressure at the time.
We've started to cut back by doing all the decorating ourselves over Xmas, removing some project scope , negotiated on the flooring and downgrading the hob. It's eaten all of the contingency is one go. 
But I guess at least we had contingency .
the nice man in the flooring shop felt so sorry for me he gave me trade discount and saved us £600. I hugged him in the shop and had a little cry. He seemed quite pleased (about the hug) 
Trying to be upbeat about it all as there is naff all I can do.
What I would say to anyone just starting out - pay at least some of each purchase by credit card. That way you are protected.
@WhereDoesThisToiletGo Yours looks lovely and is an inspiration , so ,thanks for that !