Sorry, this is going to be long...£62 a month is very tight, I also have a very tight budget, this is how I make it stretch as far as possible.
I am assuming this is after your mortgage, loans, insurances council tax etc have been paid.... It is worth looking at all of your standard outgoing s to see if you can reduce any, are there any contracts for things like tv or phone that can be reduced or cancelled? Look at insurances when they come up for renewal and see if you can get lower premiums. It can work to swap credit card balance onto a new one with 0% interest, then pay your insurances in one on the new card and pay off the card within the interest offer, this is cheaper than many spread the payment deals. speak to your lender for the loan, see if you can extend the loan period to reduce the payments, you will probably end up paying more overall though, so weigh it up carefully, you may be bale to up your payments again at a later date when things are easier so it is worth talking to them.
If you smoke, stop. If you drink, look at reducing, no point in cutting out all of your luxuries though as it will just make you feel down.
Making your budget go as far as possible.... At this time of year heating is the big cost. Monitor your use of your heating, make sure it isn't on when you are not in, if you have a timer set it so it comes on half an hour before you are due home, so it is warm when you get. It can be a pain to do this every time you go out for the day, but it can save you loads. Turn your thermostat down a wee bit and wear an extra layer during the day, make sure you have plenty of blankets and a hot water bottle at night so you don't need to have the heating on over night (the barley microwave ones Are good for DC's). If you have TRV's fitted to your radiators, use them and keep room doors closed so that they work efficiently, and it reduces draughts.
Food wise....cook from basics, it is much much cheaper than buying pre made stuff. Look at reducing the amount of meat you eat, it is very expensive and can be replaced with pulses, which are much cheaper and give good variety for DC's they are also filling. (I aim for alternate days meat and veggie. My teen hates it, but it really reduced the sopping bill). If you are close to a supermarket and it is practical; go in every day and only buy the food you need for that days meals, look on the reduced counter and base a meal around what is there and cheap. When buying household stuff avoid the cheapest of the cheap because often you end up using more to get the same result and it costs more in the end, look at price per kg or lt etc to compare which is the best deal, tedious and time consuming, but often worth it.
Look at ways of bringing in extra cash - you do't say if you work or not, but... If you work 16 hrs a week you will qualify for tax credits, which I have found a total god send. If you go out to work they will also help with childcare costs. If you work from home, you can count a proportion of your heating bills as business expences, which reduces your profits and therefore the amont of tax you pay out, and you might be able to keep DC with you, saving childcare costs.
Do you do any crafty things that you could make and sell on eBay/folksy, can you do cleaning etc etc etc that will bring a wee bit extra cash in, get you out of the house.....? All worth looking at and exploring.
And it sounds silly, but only buy what you need. You can always start a savings jar for what you want, a pound every now and then, and when there is enough you can totally justify buying that new perfume/top/cd without feeling guilty about it. You don't say how old DC is, but it won't do any harm to encourage him to save for things he wants to, and as long as he has heaps of love, it will outweigh not having heaps of things any day, and he will appreciate the things that he does have if he knows he won't get another if it breaks/gets lost etc. and he has helped save up for it.
Sorry it's long, you are probably doing all of these things anyway, but there might be something that helps?