I'm sorry I just have to point this out. Maybe you should stop expecting help first from your in laws since this is mainly the problem. You know your husband and his family's financial status prior to marrying him. When you were going to give birth your in laws offered/suggested what only is within their finacial capacity. I think, based on your post, you have to understand also their situation, they are trying to make ends meet too. You live with them, they probably shoulder your family's other expenses too. You have to remember that they are not as privileged as your parent when it comes to earning money. You can ask your in laws for help in taking care of your newborn, and let your husband go back to his work to help with the finances.
Talk with your husband what you should do as partners to lessen the expenses, find ways to generate more income without being at the mercy of other people.
I'm going to quote what the other anon said because he/she has a point:
"If you can't afford to live on your own, you have no business getting married."
So just make the best of what you have for now. Things will be better soon. Just learn how to adjust and take full responsibility of your life. This is all part of adulting. It's totally normal.
^
Magbasa pa