Aside from recommending Mesila, an organization that is dedicated to help families budget, and perhaps individuals who might do a similar thing, I would have no idea how else to help the OP bring a better match between his income and expenses.
But there is a bigger question, raised in several of the comments. Nearly every single yeshiva I know of engages in fund raising. Yeshivos are not created equal, and their fund raising activities vary. So are the successes of these ventures, with some doing very well and insuring their bank accounts are adequately filled. And without opinions about whether there are people involved who might skim from the top, I am still inclined to see all yeshivos as non-profit organizations.
This may divert the thread to another angle, or may trigger another post. But I am concerned with the desperation with which the yeshiva administrations squeeze and pressure parents. I am alarmed by the tendency to refuse the kids entry to the school building when the family hits on hard times and is late with tuition payments. No, I do look favorably on the vacations, the fancy cars, and similar luxuries being given priority over schar limud. Certainly not. And I recognize the schools’ needs for money. But to disallow kids to come to class because of budgetary pressure? Kids being used as leverage? Something is very wrong.