Lets pin down your problems.
1. Not enough money
2. Wife does not do Housework
3. Of late, wife becomes bitchy (after you ask her to chip
in)
#1 is a percieved problem. If you adjust your lifestyle, this
item will be well under control. Have you ever been in a situation
where you have no income, borrow money until friends and relatives
avoid you. 15 year old daughter decides not to study (even though
she is good in studies) and wants to work to help you. $3k plus $1k
is a luxury.
#2 If wife can do housework, hooray. If not, do you love her
less. I have 2 kids at home, does not lift a finger to do
housework, all done by me. (after my late wife left us). I just
need to organise myself and get the important things done. Laundry
is the most important, followed by stuff in the kitchen, then the
beddings, then the floor, etc. Live with it, be happy. Occasionally
ask for help, if dont get the help, its Okay, be happy.
#3 Wife becomes bitchy. Hopefully (touch wood) she is not having
a relationship outside. And dont you go suspecting her because it
will surely spell trouble. If her changed behaviour is because of
asking to chip in, then let her keep her $1K. They need that kind
of security. Believe me, they will share with you, just don't make
any claims on it. If #1 and #2 is properly resolved, #3 will
dissappear.