Will start by saying I haven’t read other responses, so apologies if duplicating here. That list is a good start. Second stage is to break it down into things that must be done, things that are not such a priority.
Anything to do with sorting out children is a must do. But is a section all on its own, again break down into daily, weekly, etc….Play dates are not essential so just decide to host a couple a month, one a week🤷♀️
Bills can be set up on Direct Debit, as can Car Insurance, pet insurance, then once a year you tackle each as it comes up. Staggering the cars will help, assuming more than one or two.
Make yourself a list of fridge essentials, plus any extras, and set up a delivery either each week, or fortnight as you need. Get an extra freezer if required, so you have an emergency stock. Can your cleaner do out the fridge once a fortnight, extra pay?
Assuming 3/4 beds, that’s a 20 minute make, easy peasy.
Cleaning car? Not vital except to keep things safe, such as windows. Have a small rubbish bag somewhere and put rubbish, car park tickets etc.. in here. Tidy it once a week, clean it once a month or have it valeted.
House tidy? A quick put away each evening of toys (use storage boxes), other items, will help you keep on top of things and not seem so daunting when you get up.
I would say chill out about friends. Keep in touch, zoom, WhatsApp. With three young children and a house to organise, your time is going to be limited. Could Daddy not spend some time with his children one evening every so often so you can have a meet up? Likewise with holiday planning. Do it together.
Planning and diary reminders will be your friend, in terms of getting organised. But, whilst you are not in a career or employment at the moment, some of the household chores really ought to be shared with your husband, particularly in terms of interaction at times with your children. All the money in the world, all the paid help can’t compensate for having a bit of time for yourself as well, even if it it just to simply make yourself a nice lunch and sit and relax for a bit.