Under Obamacare everyone is suppose to be covered for health insurance. If you are poor I believe you are qualified for a subsidy. I think you can earn up to $94,500 for a family of 4.
(This is for NY residents but may apply elsewhere.)
If you don’t eat out and economize you can save a lot of money. For instance buy items in bulk and when on sale, like rice, macaroni and oatmeal, instead of meat, fish and potatoes.
Make a budget and stick to it. It will show you where you are spending your money and where you can cut back and save.
If you have older children who are working ask them to contribute.
Even if they are not contributing to the family budget you can and should take them as dependents on your income tax return. You will be saving more than them as you are probably in a higher tax bracket then your children.
If the child is not contributing to the household nor are you declaring him/her as a dependent you don’t have to include their income in household income for governmental benefit purposes. If you don’t believe me ask a local accountant at shul. or google it.
Depending on where you live you may not need so many cars. Try walking it is healthier. For example walk to and from shul during the week. You will be surprised how much gas you will save. If you live in NYC you really don’t need a car a savings of about $9.000 a year.($6,000 between gas tolls and maintenance and $3,000 in insurance.) You can use mass transit to go anywhere. You don’t have to find parking nor worry about tickets. If you need groceries the stores delivers it for a few bucks extra. Its worth it you don’t get a hernia lugging it to and from the car. The few times you need a car you can rent it.
If you need to earn a few bucks you can work as a stock boy filling shelves at the local grocery store late at night. Or you can drive for a car service such as Uber and earn additional money that way.
mazaltov
You have been able to find people who need your “office work” service. What you need to do is call other people or businesses in that industry and see if they also need your services.
If you live in NYC I would advise you to go to the Brooklyn Business Library located at Cadman Plaza which is wheelchair accessible.They have all types of list of people and their phone numbers there. Or you can try googling for clients or ask your friend if they know anyone that needs you service. You need to sell yourself, that is the only way you will find clients and make money.