Money matters

I know this post does not belong here. But I make some justifications, to better use this traffic. The financial problem is anyway related to my marriage life and relationship.

I worked since before my marriage and always had a bright career opportunities in contrast to my husband, who struggled to retain his job then.
I earned around 150K monthly, and my husband's salary was around 50K only. But as a couple, we complemented each other, so we had no financial issues then.

We had saved and invested a lot. We also upgraded our life style a bit with the help of my well paying job. My husband stood beside me as a good pillar of support whenever I go down with issues like pregnancy, delivery and child care. So, as per our mutual decision he became a stay at home husband, while I worked.

However, after a point, I felt differently that I loved myself enjoying my motherhood, wife and as an average woman than a career idol. I missed my home, kids, and the simplest happiness that every married woman would long for. I had to work late, travel a lot and change offices to maintain my rank and salary. This anxiety slowly made me depressed, so people started hinting against my husband's stay at home status negatively.

At a point, one of my close relative hurt my husband for the same. That was the last day he stayed at home as jobless.

He worked so hard, and started with a career. But slowly he improved with dedication; thus presently he is at a job which pays 100K with a promising future.

With my husband's busy schedule and posting (he was posted at our native where in laws live), I became totally helpless, handling the work with 2 young boys alone.

I tried with day care, nannies and maids. But nothing worked. Nothing gave me the needed mental peace, but depression due to guilt, loneliness and poor life style. Money or double income did not make us happier.
Since husband stayed with in laws, his earning did not reach our savings as we thought.
Meanwhile, MIL came forward to help us with the kids, but at her home - where my husband lived. With no choice ahead, I agreed. But it further disturbed me.

With this emotional turmoil, I have started doing mistakes at work - which caused a lot of damage to my future career perspectives.

At a point, I decided to quit my job and moved back to my husband's home. My husband wholeheartedly welcomed this idea. So, we started living happily as a nuclear family near in laws's place.

Me and kids have started having great times ever. I also found a normal job which pays 40K. I am fine with this despite of questions from everyone about my career status. (this was a starter job, as I did some 10 yrs back).

Since we were earning well, we had invested into land, vehicle and a big house of ours. To I had to get some loan, and the recovery amount is almost the same as my present salary.
We are content and happy, but we hardly have any left-over with one salary now.

I feel little tied up with zero penny days. Couldn't depend on husband as he is already packed and tied with family responsibilities.
Cut down so many expenses, but can't reduce any further. However, I don't want to lose this convenient life for money again.

I have some savings. Which is almost the same as the loan. May I use the savings to repay the loan. So that my salary will be in my hand forever?

I have some unused gold and land. I could use them for the house renovation plan. So that we could lead a comfortable life. But no savings. Perhaps, we could save little by little from 2 salaries.

Any ideas?