@Linkat,
To wait until the real estate market improves is simply not logical. On a percentile basis, you will gain far more in this down market by "buying up" now.
You get your husband to work one day a week by saying......"get a job and help out your family!
As to kids working, I had summer jobs such as gardening and winter jobs such as babysitting from my early teens, I have been on set watching babies in toilet-paper commercials making good money! So yes kids can earn money!
I do not know what you mean by "We have a low mortgage (it is in the low 5s)" however if you are trying to say that your mortgage rate is 5%, then that is way too high and a variable rate will be vastly better.............if you have locked long, you are paying too much.
To make excuses for not taking appropriate action is not going to improve your circumstances! It's only going to allow you to falsely rationalize your inactions.
Again........the bottom line is that reducing overall financial stress, will make work related stress easier to handle!