How is your husband with your daughter in terms of taking care of her say one evening a week if you were to find a job - anything even babysitting which in some places is $7-10 an hour with no deductions. That would at least give you the spending money.

Glad that things are working out so far and hopefully in future sessions with the therapist you can address where you stand in all of the plans in terms of what part of keeping the household going is your responsibility and what is shared and what are the expectations as in determine with the therapist's help what are reasonable expectations.

As far as low ratio goes a lot would still be the same unless you were maybe taking only one other child same age as your own as a playmate and then visits to playgroup would save house mess some days, etc. You could also consider applying as a nanny in someone else's home and they often will let you bring your own child with you. Yes it means not being home but at the same time if you are gone from the home all day it isn't going to get dirty in the way it did when you did daycare.