First comment is .. Nice post Humble Wife, You're welcome any time with that kind of advice!
I hate just posting bad news, yet from Oregon the Unemployment rate just loves to hover at 11%+/-. We had to take a 15% cut and the wife is unemployed now for 5 months(after 15 months of minimum wage/unemployment). It really doesn't matter how much you prepped in a case like that, it's going to hurt. If I knew how to pay your bills I would.
Soldier on every day. When it becomes too much, ... well you just need a place/way to fight back. Or Like me you need a place to bury the crap. Someday you might need to reach out for help in the right place, I hope you know where to look.
I found a place to look for help this week, I'll be back to report soon if it works out.