With your husband’s relatively low income and the fact that you are currently unable to work, I can understand that saving money must be quite difficult at this time. I do not know the details of your family’s expenses, so I cannot tell you where you may be able to cut back in order to help in saving money.
Frequently the best place to start is to get debt free and to stop the money drain that debt and high interest bills can cause. You can get a free quote here:
Since we don't know your exact expenses, I encourage you to download and review the Bills.com Free Budget Guide, to learn about possible ways to help cut back on your expenses and increase your monthly savings. Hopefully, a new budget will also help you in bringing your delinquent credit cards current, as these unpaid accounts are likely causing serious damage to your credit rating.
If you find that you and your husband simply cannot afford to save money with your family’s limited income, you may have no choice but to wait until your financial situation improves. For example, once you are able to return to work, your additional income should make saving money more feasible for your family. I wish you the best of luck in finding a solution to your financial difficulties.
I hope that the information I have provided helps you Find. Learn. Save.