This seems like a temporary problem as you are on Mat leave. Will finances be better in a few months? When you’re back at work will there be a potential surplus of money? If it’s just for a couple of months I would suggest getting a zero percent credit card for a couple of modest food shops a month or asking a family member if you can borrow £500 or so to tide you over til end of Mat leave? If your situation will improve soon it might take some of the stress away.
I agree hubby can’t be starving hungry but can he can fill up on cheaper stuff rather than larger portions of main? So smaller meals but extra bowls of own brand cereal, eggs, toast, apples, bananas, he could batch cook pasta in basic sauce and leave in fridge for snacking. Cook tonnes of jackets when you have those and they can be in fridge too.
Can you sell any big baby items on fb or Vinted that you don’t need any more? Have you looked up the ‘Too good to go’ app? Can pick some good short date food stuff up.
Can hubby do some delivery driving/ evening job for bit of extra cash til you go back after mat leave or pick up more work? Or is it an option for you to go back to work a month earlier?
Employers might give one or other of you an advance if you ask?
Hope you sort something out. Don’t be embarrassed to reach out to family, food banks, animal charities for dog food maybe?
If you will be able to pay it back and it won’t cause more stress the CC/ borrowing could be best option
Xxx