I understand why you dont want to give the money up, even though what you're doing isn't so great, you're thinking of you're kids. I remember when my mom would sacrifice herself by staying with my dad, only because she didn't want us to suffer. I remember not getting the things I wanted, like that certain Barbie doll I was crazy about, but I knew that my mom couldn't afford it. I remember all that, but you know what? Even though the change will be hard, and you think your kids are gonna suffer, when they're older, they'll look back and say "You know, there were many times when I couldn't get what I wanted, but my mother turned her whole life around, not to give us pretty things, but so that we could have our mother, so that we could look up to her, and apriciate her and be proud of her accomplishments." If you keep doing that, (and believe me you're kids will find out) they'll feel guilty for getting the things that they get. They'll just think "My mom is putting her life on the line, just to get me these nice things". 
I love my other and everything she's done for us, she's my hero, and I couldn't be more proud of her. You kids will not resent you for sacrificing they're "safe" home. They'll feel alot more safe knowing that they're mother isn't out on the streets doing the things that you do.