Glad you finally joined the forum. Your room looks great. I am sure others will reply to this thread in the morning.
This line in your post hits home with a guy like me:
"The 401K money ran out and I sold my Harley". That's gotta hurt.
PM (private message) me. I have a couple ideas on how to help. BTW, this thread sounds like Marinavanessa has a winning flyer you should use:
https://www.daycare.com/forum/showthread.php?t=34175