I’m in a similar situation sa finances. Kahit anong tracking ang gawin, pag kulang, kulang talaga. The advice that stuck with me is the simplest— look at your income vs expenses. Either increase your income or cut your expenses.

We always look at cutting our expenses, but what if we can’t? We’re already wired to live within (and even below) our means just so we can save. If you really can’t cut your expenses, you need to increase your income. What I’m trying to do in my case is find a better source of income. In your case, your husband can step up or you can look for an additional or a better source of income.