Are you able to demand ie. having at least a degree or professional cert etc with great amount of experience? Find a better job, that should mean a better pay.

Obviously no more vacations every year but, find anything of, equivalent. Instead of going for a vacation, considering staycation etc. Spend more time with your kids in the pool, role playing with your kids at home, briskwalking together during car free morning etc. You don't have to fork out money just to be happy.

Of course minus the day care fees, kids food etc lah. Tell you what, we spend alot on eating outside food actually. So cook at home, a simple one will do.