Moy,
This is a real tough one but I will put it in a nutshell:
What you have to remember is that when you were in the Phils what happened if you didn' have enough for medical expenses there and with an average wage of about £100 a month if your lucky then once thats gone how did you cope.
I appreciate how difficult it must be for you but like others have said your priority is to yourself and husband first then if you can afford extras then so be it.
Sorry for sounding blunt Moy but thats reality and I wish you well...
Love & Peace...