I think u and husband have to go through the finances together and look at the places that u can make the cuts. As for ur mil bills, u can see if can drag longer payment, but if it is credit card bill - have to pay immediately in full caz the interest is too high.
I think that just have to grit teeth and go thru the 1 year, it is after all only a year and then things will be better. I would recommend continue to try to look for a maid but u guys are not open to it anymore.
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