How old are your children? Do you have grandparents nearby who could help with childcare at short notice if they are under 5? I expect you have already done the price comparison sites for bills/ insurance/ utilities, cut out luxuries from food shopping etc to keep costs down. Children's centres, libraries and playdates are free activites with little ones. I was spending £50 a term on baby music classes then thought, I could do this, so now I run 2 sessions a week which my daughter comes to and that earns me an extra £70-£100 a month (sometimes do parties etc too). How skint is skint- can you keep on top of bills and mortgage payments? Would you consider downsizing? I would be inclined to say that time with little children is more important than luxuries and you never get the time back. I teach 2 days a week on a permanent contract and love it, we have some money to spare for luxuries but I would never want to work full time for more money. Of course I appreciate that a lot of mums have to and they do a fantastic and very hard job.