I too send sympathy, j00ls there are a few of us on GN who have had similar experiences. You have had some hard knocks and seeing your DHS knocked back takes its toll on you. It sounds as if you are in work, though, and I hope that gives you some respite. As for the others going on about "bathrooms, holidays and cars" etc, been there too. You do have the option of saying (pleasantly) that you do not begrudge them, but at the moment it is hard for you because of your personal situation . Because you are coping so well on the surface, they may not realise that they are being very tactless. Or you could take a sandwich and a library book off to a quiet corner and leave them to it. Believe me when I say you are not alone and keeping it to yourself to spare your DH may be the last straw. I have no easy solution, but if you can put one foot in front of the other, there are things to do which are cheap/free, but I also understand that when it is a necessity, they don't seem so appealing.
It can make a difference how you view things, if you were saving for some glam holiday, shopping in charity shops would probably not depress you. If debts are weighing too heavily on your mind, though, have you been to CAB to discuss a management plan? Being proactive may help you to feel more in control too.
Do keep posting, GN is free, fortunately and there will be others who can support you and, perhaps have some useful suggestions.