Have just ordered some cheap birthday cards from here as part of my mission to make the upcoming excess of birthdays as cheap as possible. Quite a few half decent ones in the clearance section, and even the 'nice' cards start at quite reasonable prices, plus no UK shipping and 10% off over £25. I've stocked up for ages for the princely sum of £23 after the discount.
I've just spent a satisfying half hour going through last month's budget/spends and highlighting areas we need to be more careful on this month - will go through it at tonight's family meeting (I am already loving these, inspired by this post. Great for getting the DCs on board with money saving so far).
Juggling personal loan/remortgage can work, but something like 70% of people who consolidate their debts just run up the debts again and have the loan on top of the new debts, so beware if you're thinking of doing it! I would be sitting down and telling your DH to get a grips you can discuss it properly with him - it's got to be about a million times harder to tackle any sort of debt without the whole family on board. if you want cutback ideas, feel free to post a summary of your monthly outgoings on here and everyone will help you work out the biggest/easiest cuts to make. Do you have a budget?
I have £60 in my paypal account, but I am waiting until it has grown a little more or I really need it (my income from my second, tiny, business goes into Paypal). I am basically a bit lazy and find having about £20 in my current account keeps me really motivated to try to earn more (through self employment or eBaying stuff), whereas as soon as I have some breathing space I slack off a bit. Gosh, that's quite lame actually 
. At least I know the solution though - trick myself into thinking I'm even more spectacularly poor than i actually am.