Oh Nell, you poor love.

I don't know what to suggest. I know your and your Dh will have most likely run through every possible solution together.

I know this probably sounds obvious, but have you got a SEEK search up and running for PT jobs in your area? It may be that your skills are in demand from a fair few organisations but for better pay elsewhere, so you could move to part time?

Hugs to you sweetie. xx