This is an OLD question.
–Those that are wealthy obviously have no financial worries (though they may have other nisyonos).
–Those that are in extremely dire financial straights (or who pretend to be) get all types of government assistance.
–Those of us who are in the middle, and live a frum life style, with all the yeshiva tuitions, Shabbas expenses, Yom Tov expenses (especially Pesach) – not to mention the year round greatly higher prices of most kosher (as opposed to traif) foods, etc., etc., etc. are in a VERY tough financial crisis because by secular government standards we make too much to merit assistance, and the government does not understand or care about the great expense of living even a modest frum lifestyle. The reality is that even making what, by goyish standards, would be considered a very decent living, as frum Jews, with all the additional expenses we have, many of us are living at, or even below, the poverty line, but do not qualify for any help.
I do not know the financial circumstances of this woman you saw in the store, and you probably don’t (REALLY) either. We should not judge her.
All I can suggest to you is to do a very careful analysis of your spending and see if there are any areas where you can cut back. A few examples that may or may not apply for you… Maybe you can find cheaper insurance for your home and/or car. Maybe you can buy store brands of food and paper products instead of the name brands. Maybe you can find a better deal for your phone and internet service.
Aside from this analysis, as Rav Arush says, do your Hisbodedus. Talk to HaSh-m specifically about the financial nisayon you are going through. Ask Him for help. Tell Him that if this struggle is what He wants you to be going through for your benefit, you are mekabel it, but that perhaps if it was not so severe you could have more yishuv ha’da’as and more time to spend with your children and on other Torah oriented activites. Tell Him you’d like help because your children see your financial struggles and you do not want your children to see a Torah life as a burden.
I am not trying to be simplistic. Believe me, I empathize and sympathize with your situation. Be strong, don’t judge your situation by that of other people, keep telling yourself that HaSh-m is ONLY a mayteev, and GAM ZU L’TOVA, GAM ZU L’TOVA, GAM ZU L’TOVA. When HaSh-m sees that you really believe that, He will (so to speak) say “you think THIS is tov?! I’LL SHOW YOU WHAT TOV IS!” and then, be”H, your tefilos will be answered.
Hatzlacha.