K.T.
K.,
I feel for you and the expense you have with Childcare. My daughter will soon have 3 in daycare too.
Have you thought about doing a home based business? I would look into it.
Here is a list of several I know about - pls. note I do not sell any of these products just suggesting.
Avon
Two Sister Gourmet - DIL sells and revenue is good and products are too. Spices Sauces and dips along with some boxed foods. Sells it self.
Pampered Chef - Cook wear products - Everyone likes gadgets.
Home Interiors - Home Decorating
Amway
This is just a few once you get them started they just go and go. Hope this helps some with an alternative. You could sell in the evenings while your husband is at home with the kids and only work part time and make more than the $150.00 you are currently bringing home now.
Good Luck
Kathy