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even simple things theres always a way to make a budget & make ends meet. I as a financial advisor have assisted many people with their issues to get their life back on track & as an example I can tell you that if you buy your wife flowers for Shabbos each week go out one time & get a nice vase with fake flowers that will last forever & your wife will understand & not feel a drop offened cause she will totally understand the situation.
if a person needs tomchei Shabbos assistance or free clothing there is nothing to be embarrassed about. nobody from Tomchei Shabbos is judging you & they are there to help you.
its worse to suffer in silence then to get the assistance which is readily available, even if it can be a little uncomfortable, you & your family should not need to suffer.
Bracha v’Hatzlacha & Parnassa