Someone please help me-I feel like I'm going under!!!!

[whatsthestoryinbalamorytoday]

My husband took a huge paycut because he hated his job. We lost our private health insurance and £5k in salary. He now says he doesn't like his new job either but can't find one with a better wage. The only jobs he's interested in are ones with a lower salary. I've explained to him that we are not coping financially since his original paycut but he says he hates his job.
When dh left his original job I only agreed to the lower wage because he'd already told his boss he was going to leave and so then didn't have much choice as they were deliberately making his life hell. I was worried he'd just walk out one day-things had got so bad!!!
I've now tried to go back to work myself, aswell as doing all the housework and everything else around here. My mum offered to look after dd but has gone back on her word at the last moment. This means that all the childcare costs are swallowing up my wage. I can't get any help from Tax credits for this either.
I don't know what to do and am feeling myself getting really depressed!!!!
I've even tried moving house but again, my husband can't get a decent job in the area we want to move to so we had to call it all off.
I feel so low-I've tried everything and think we might have to start dipping into our savings soon to make ends meet. Please help me

Well I don't think that your DH should have to be the one with all the responsibility for earning money for the family. If he hates his job then maybe you are just asking too much of him.

At the end of the day though, you are a partnership and you do need to talk about how you are going to make things work - to take in enough money to keep the family going!

Some suggestions for you both to consider:

Both of you work a 4 day week - mum or childcare can cover the 3 days that you need child care for (assuming you both have a 5 day week).

You take an evening job while he works during the day in a job he likes better - your evening working money should make up the difference.

Exactly the same as the above except he does the evening job and you do the day job.

He gives up work completely to look after the children and you become the family earner.

Whatever you decide on, you both have to take joint responsibility for bringing enough money into the house to keep it running. You also need to check your tax credit situation - as unless you are earning over £60k jointly then you should be eligible for some help.

We work it by usband working nigts and I work day.