Hugs Sally!
It sucks not having any money! I hate living Fortnight to fortnight! and not having any savings! My suggestion to you is to make up a budget, If your good with computers make up on on EXCEL and you can add and delete things as they come, it really helps me to know where the money is going... I also have my DPS working roster in an excel program too, So i kno pretty much how much money is comming into the household and I can budget for it...

With Family Day care, I know you said there is a waiting list... But it might be worth putting your name down, even if you don't get it for a while, it will save you money in the future??

Hope things improve, xoxxoxo