How many kids/ people in your family?
Do you think u could alter your lifestyle a bit to save? Like taking your kids to the park rather than a water park. Or down sizing your stuff, and house. Perhaps giving up a car or getting a used or more used car etc.
I'm looking at building again and building smaller sounds interesting. there is a big movement. Off course there r the people living basicly in a home made camper with composting toilets and thats a bit extreme. Buuuttt what about having one bathroom instead of 2?
Hace you considered it?