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Should be coping but we're not...
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I suspect Ferry has Sky for the little pleasures in life that can be afforded, I also suspect Ferry pays for the "insurances" so that he has cover should he need it, and knows he may be paying over the odds.
Ferry, with Christmas coming up, stores like Argos will be looking for extra staff. If it too much to take on, have a look at doing a part time job to kill the overdraft, and the current bill. Also, it may get you through Christmas with some money left in your back pocket.
I don't think you are doing too bad, the age of your children is an impact on you and will be for sometime.
I was in a very similar position once myself.
John0
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