The reality is that in order to prosper you have take in more than you payout. If you think your expenses are as low as you can get them, then you have to find more income. There is no magic pill that will change this.
Your daughter is fourteen, you and your husband may have to look at PT jobs. It is not out of the question to have your daughter contribute in some way if necessary(maybe working for her own luxuries).
You need an positive mentality that will give you the desire to do the things it takes to prosper, saying I can't, needs to be replaced with I can and will.
Look around at what you have, what can you sell? What can you really eliminate? Where can I find extra work? If you are determined, you will find a way to prosper. Good luck.
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