Hello Sallyanne, if your husband wants to out of the marriage, then a settlement has to be made, whether he buys you outright or the house sold, then you are entitled to what share you believe you are entitled to, so you may need legal aid to help you as your husband has financially abused you and could take advantage of you.
With the money, your mum has left you and what you get from the house being sold, then you will be able to live in the place where your mum lived because at the moment buying a place on small interest rates could be cheaper than renting.
If you are able to pay your utilities fortnightly by CentrePay, say $25 for gas and $25 for electricity makes it much easier to pay the bill, it comes out of your fortnightly payment when you organise this with Centrelink, rates and water can also be paid off, easing the burden of having to pay the whole account.
You can also apply for a concession discount for the majority of bills including rates, it's not much, but does help.
Hope you can get back to us.