You are €78.5K in debt, all unsecured with a mortgage free house (if I am reading it correctly). You have €2933 per month after paying loans for family expenses, childcare, food, utilities, fuel, insurance, etc. I am assuming with Mabs you have done a breakdown of all the expenses so you know where your money is going each month.
Your main concern is loss of income if your spouse looses his job. So I think your main goal for the next while is to get a new better job. What is the potential for better paying work? Can you work evenings/weekends at other jobs to supplement your income? Your spouse probably has 20 years of experience so would have loads of skills to offer a new job and you the same. Growing your income is the best way to secure your future, a rainy day fund etc.
If your husband does loose his job, then look at family income supplement, redundancy, jobseekers etc to tide you over until a new job. You probably would be entitled to medical card etc if income remains at €26K pa. Mabs will help you renegotiate your loans.
The main thing is to have an iron fist on spending, watch every penny, make sure it is working for the family as a whole. Do you have subscriptions you can get rid off, basic packages on phones and TV/broadband. Any bad habits like smoking or gambling that can be reduced/stopped. The main thing is not to get into any more debt, so mind the car, stop any more home improvements for the time being, don’t be tempted to splurge on Christmas/birthdays etc.
Don’t worry about saving for third level, in-still a work ethic into the kids, encourage them to get part time jobs, get them to save for college themselves, or study to get a scholarship. Make them understand money and loans and they may be able to self fund themselves in third level with part time work and student loans.