getting through the hard parts with your relationships intact

lack of money is hard on all relationships. watch "friends with money" if you don't think so.

http://movies.nytimes.com/movie/319486/Friends-With-Money/trailers

it is even harder on marriages.don't get stuck in the yelling at each other game, it hurts the kids even more than lack of money does
money stuff could be sorted within a matter of months and you don't want to be repairing your marriage then.
take deep breaths.
i know it sucks, but you are a tough cookie
don't wait for a change of heart just fake it!
have a good attitude
it will make you feel better
hugs -- it won't last forever, i promise.

distract yourself in the meantime

plan potluck dinners with friends (the kids play in the basement kind saving yourself the expense of a babysitter)
or kid parties with your kids' friends for after school fun
have sex -- it's free and good for your marriage
host a giant swap where people get points for what they bring and go home with something new to them (like having a garage sale and going shopping but without $)
have a movie night at home -- be creative and make it memorable -- set up a concession (as easy as treats laid out on the piano bench with a concession sign above) for the family
go sledding in the snow
keep an eye out for cheap shopping at local thrift stores (bag sales where you fit all you can in a bag for 5 bucks is a popular one) while you wait out the arrival of garage sale season

cultivate gratitude -- your place is too small because you have too much stuff. get rid of some of it. rearrange what you want to keep, look through albums at all the great experiences and know you will have more soon, fuelled by your creative mind.
if you have a digital camera, take pictures of everyday blessings and post them online to share with family and friends and to remind yourself life is indeed good.
if you are camera-less, pick up a disposable at the dollar store to record snow days or collage a bulletin board with quotes and sketches and pictures of what life means to you and where you want it to go. keeping the big picture up is especially important in hard times