Frumladygit, if you aren’t supporting your family on your current income, you should either increase your earning or decrease your spending.
She is living debt free. Her husband has a simple job and earns little. She stays home with her kids and takes *gasp* cleaning jobs on the side.
It is a Jewish value to support your family. Its also a Jewish value to take care of your environment. She is doing both. That’s a lot more noble than people who say “it doesn’t pay for me to work because I can mooch off of others.”