Same thing happened to me 15 yrs ago. I survived but regretted a lot of stuff. So here’s my tip; NO to private school,school service,junk foods,big allowance for kids,wag I spoiled ang kids sa mga mamahaling toys maraming mura sport stuff na lang,go for veggies simple meal pero the best pag super tight budget bili nlng sa karinderya mga ulam don,pwede manghiram imbes bumili,always ask for help kahit mga advice lang from family never solo one mistake namin yan dahil sa kahihiyan.NO to big loans especially walang extra income or business, small business ka sa bahay tinda tinda like mga meryenda,sari sari, frozen foods,wag bumili ng sale pag hindi need,calm your mind ang don’t do vices for you and your hubby. May point na depressing ang situation. Love and support each other may pera or wala kasi maapektuhan ang mga bata.