hi guerngirl, if your looking to make savings id down size in anyway you can.. go for a smaller home, a older car, get a cleaning job for yourself while the kids are in school?
im only on 14k a year and my boyfriend is on less than me, we have 2 kids also... count yourself very lucky to have 100k a year to spend.. the government are making cuts left right and center, my childs school is loosing their specail needs asistant along with many other cuts like building houses for the council.
mabs are also very good for helping people manage money and bills, hope this helps you.