i havent read this whole thing so sorry if im doubling up on anyone elses ideas,have you though of getting a night job? you could work a coupke of hours a night and they pay GOOD money,i do a seasonal nightshift and while it can suck with the hours it helps the bank account,also a work from home bussiness is an option,just go for a well known company.
also on the saving money front,eating out sucks up money,even getting a pie or sammy here and there if you go back through a week and see what you have spent its amazing!!!! try taking pack lunches with you or having snacks in the car.
is there any orchards around where you are? they have weekend work available usually and it works on how much you work i what you earn.