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This is really simple. Gas is on average $4.35 a gallon here in Northern California. The prices at the grocery store are getting outrageous. You and your husband have a combined income to only place you in the lower middle class so there is no help in sight for the people in your class.
Maybe you may have five kids between you both and it is hard to live paycheck to paycheck. This is the story for the average American family. If you are living paycheck to paycheck you need to be doing something different than what you are and have been doing. Simply tune in to find out what that is. Invite a friend. They will thank you for it!
p.s.
It takes Strength....to do something different and make it work! Courage to not care what others think of you stepping outside of the box. Wisdom you've accumulated while being laid off this job and that job., not being paid what you are worth even after going over and beyond your job description.
Just Believe in Yourself and it will be done!