I am very sorry to hear that you are undergoing hard times. I understand as I have been there- really. It sucks and with young kids, its even worse. I know this from first hand experience.
That being said, when you truly are in hard times and you want to save your family, the first thing you have to do to move forward is to cut your lifestyle. I know you love it, but I also liked having my little house, cable, internet and food. I had to cut back to no cable, no internet, a one room apartment and working 80+ hours a week as a single mom. I did this for four years and it sucked- big time but my kids were well cared for and it was absolutely necessary. Now we are able to think about what type of lifestyle we would "love".
I'm not trying to beat you up, I'm trying to offer you hope. You are not trying to save your family, you are trying to save your lifestyle- big difference and you shouldn't lose site of this. Your family will remain intact whether you are on a boat or living in an apartment planning to live on a boat in the future. If you can not make your boat livable and safe, sell it. Make a plan to move ashore until things improve. Work hard, live frugally and save. If you do this, you will eventually get to move back on to the water in a boat which is fit for purpose. Yes, it will be hard but the things we work hard and suffer for are the things which have the most value.
Wishing you all the best.
S/V Ceol Mor
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