I agree with pp - your husband cycles to save money, but he gets 3 hours a DAY of free time , peace and some added fitness. You'd be better off if he drove to work and had those hours at home doing what needs to be done
It depends what the alternative is. I can cycle to work quicker than going on the bus, which costs about ÂŁ5 a day (this is a reflection of the shitness of public transport in my city, not a stealth boast about my cycling abilities btw) so it's not necessarily the DH pissing off cycling to avoid his responsibilities at home, but I agree that the cost-benefit of this should be fully assessed. OP, you talk a lot about 'I' when things need to be done. How much of meal prep, tidying, cleaning, laundry and other household tasks does DH do? It shouldn't all be on you.
From the OP, it's not clear whether the 1.5 hour commute is his evening job or his main job, but it is a good question as to whether or not you need all these jobs or if any of them can be cut back so you have time available at home. Is DHs evening job well paid or is it more of a hobby job that he enjoys?
Maybe he ditches this for a couple of years and you also drop at least one of your jobs, looking at which pays the least, you like the least, or frees up the most/most convenient time chunks. Although having 4 jobs doesn't necessarily mean that you're working long hours, because they could all be a few hours a week here and there.
But I fully understand the stress of fitting everything in without forgetting something or making mistakes. It sounds like you'd benefit from the organised time technique.
There's a website, book and app, and if it works for you, it can be life changing. It fits you into 3 personality types and you're definitely the one who tries to do too much and then it all falls apart because there's simply not enough hours in the day for it all, so the solution really is to cut back on what you do unfortunately (agree that 7 YO doesn't need so many activities, perhaps ask them to pick 2 a week to do, if these cost money, that might also be another way to balance the budget and allow you to work less or buy in more help), plus also make sure everyone is pulling their weight and you're not giving up your time to DH, or any friends/family that you do things for.
www.theorganisedmum.blog/tott/