N.W.
What did the chiropractor say the problem was? Since you already spent the money and got his opinion he must have told you what was wrong. How you treat it depends on what he said the problem was. If it's a pinched nerve, that's different than if it's muscle ache.
As a long-time sufferer of neck pain, here are a few things you can do (I've been in the no-insurance, no time bind before).
You'll probably want a regular treatment of either hot or ice, depending on the problem. I'd make a rice pack. Here's how: http://www.allfreecrafts.com/sewing/ricehotpack.shtml
Or you can use an old clean cotton tube sock filled with rice. The rice pack will feel really good on your neck and if you sew on some velcro you can wear it around the house while you're doing chores or playing with your kids. Put it in the freezer to make it cold or in the microwave for 3-5 minutes for hot.
Get a good calcium-magnesium supplement. I recommend Cal-Mag by Peter Gilliam. It really helps my muscles and joints.
Drink lots of water. If it's not a pinched nerve then your muscles hurt because they have a lactic acid buildup. Drinking lots of water will flush that out.
Go to the library and get a book on accupressure. There are certain points on your neck that either you or your husband can press on to relieve the tension. The accupressure books have good diagrams and anyone can do accupressure.
Continue to stretch your neck and do your exercises lightly. It might take a while for that to help but it will!
This isn't medical advice, it's just what worked for me. Obviously the best thing is to go to a chiro (have you thought about finding a chiro that would work with you?) but these work if you're in a bind!