Don't sell yourself short 1moregirl.....you *are* helping out financially by homeschooling your children which is basically a private one on one tutoring service!
I suppose you could work and send your children to a fancy private school for thousands of $ per year to achieve the same effect in which case your income would be spent as soon as you earned it to pay for exhorbitant school fees.
Just look at you tutoring 3 children and calculate how much it would cost to hire that job out to someone else....not to mention the cooking, cleaning, laundry serices you provide.
Its not like you are sitting on your butt all day watching soap operas. ;)
Hope you feel better soon! Your BD plan sounds good to me!