My DnD group used to play at Gamers Corp in downtown Ellicott City, they have a bunch of large tables that you can reserve (basically just call and ask to reserve a table) and it's free. Plenty of good food nearby but I don't think they allow you to bring food inside

Start looking on craigslist or like other people have said contact a college to see if you can stay in empty dorms

Financial issues are extremely stressful and put a huge strain on people's lives in general, don't beat yourself up for it. (Won't really help the situation)

Like another commenter said if you and your wife have web dev skills I'd try going that route while you build up your business. Also idk what country you live in but do some research on government subsidies (food stamps etc...), those should at least be able to put food on the table for both of you no matter what.