Jerusalem reader: What do you do and (more critically) what is your (and your husband’s) education level? You could be working two jobs, but if they are Gannenet and Challah Baker it won’t do you much good. Even programming is saturated due to all the Charaidi females looking for jobs & pushing down wages.
I have a friend in Israel who works for IBM, another for MADA, and another in high-tech. They all (boruch Hashem) seem to be making it. The common thread is that they all have education.
Rav Moshe Wolfson from Torah V’Daas is quoted as saying that when Hashem decides what you get for the year, it is where you will be in the range of the work that you do. Usually it in context of Kollel guys getting rich, but the same is true for a melamed or a Janitor. If Al Pi Teva you will make 30K NIS, don’t expect that Hashem will give you 200K. Ask that Hashem give you at the higher range, as asking for something that is not normal is asking for a neis, and you have to deserve that.
Also did either you or your husband go to the army? Without it, employers (rightfully may) feel that you are missing a certain aspect of the attitude/culture needed for the work environment. Just an idea.
As a final note, if you really can’t make it and are suffering, and you owe money that you can’t pay back (which makes someone into a Halachic Rasha (Al Pi Nach)) speak to your Rov about being Yored. Its not something I would suggest L’Chatchilah, but it may allow you to keep your sanity.
Hatzlacha in all your actions.