Ok - here's a couple more thoughts.
Firstly, hugs. I know how hard it is to have no money. To not be able to go to playgroup this week cause there's no petrol in the car. To not be able to take the kids to the shops for a doughnut because you might need those couple of dollars for milk/bread later in the week. For some, these things may seem easy to sacrifice to stay home with your kids but I never found it easy.
Secondly, when things are tight, that little bit extra is... well... a little bit extra. Sometimes that can make all the difference.
Thirdly, (and great that you have sick-leave back-up) childcare can be VERY good "enforced savings". I have to have about $500 in my account each f/n for childcare. So if I am cutting things fine, then something else has to give. (Usually groceries that we can do without or miscellaneous items like gifts and clothing.) Then every quarter when we get the rebate I either put that onto a debt (usually my credit card) or a major expense (like a big bill. This last qtr was rego and greenslip for the car). What I mean is, it can help to manage money better which may not be something you need but could well help with the situation with your DH.
I have to get going to work, LOL, but will keep thinking of things to toss into the mix. It's such a tough decision, made even tougher when you are the one in your partnership carrying all the financial burden. xx