My parents weren’t well off, but they grew veg and my dad was good at making things. All of our furniture was either our grandparents‘ old stuff, or made by dad.
My grandparents bought our school uniforms and shoes; Mum made things like party dresses, and the rest was other people’s hand me downs.
We had a mortgaged house- deposit paid by grandparents, and always had a new car, bought by them.
My mum was at home with us until we were all in high school; dad was a librarian.
We camped most weekends and wild swam in lakes or the sea. We had bikes and outdoor toys (made by Dad). We never ate in restaurants, or went abroad.
We had yearly contracts for the local swimming pool, so could go as often as we wanted.
I think my parents were lucky to have the support of my grandparents, but also used what money they had to the greatest benefit for us as a family.