If you don't mind camping, there's a book called 'camps 5' (or it could even be 6). Anyway, it lists the free camp sites in Australia, which certainly has to be the cheapest way to stay. A library might even have it......
There's also 'couch-surfing' where you can see if you can stay at peoples house, for free. This is usually only for short periods though. Google will be your friend.
You can also try 'Gumtree', where people list accommodation to rent/share. You never know, you might be able to snag a room at a house for a couple of hundred a week until you get back on your feet.
If you're around Albury from mid-Jan onwards, message me and you're welcome to stay. In the process of moving there at the moment....