How about getting another job a FT one to go along with the PT one you have at UPS. PT jobs aren't met to live on or raise a family on. When I started working PT I also had a FT job where I worked 4 10 hrs days.
Same here, when I worked preload I was rolling 3 jobs at 1 time for about 6 months. I had to shut 1 of them down after 6 months, lil too much even for the always hyper JUMPMEISTER lol. It wasn't that bad though had time to sleep after preload til 2pm, work outlets(hourly + commission) and weekend was waiting tables. Even when I was part time, I never liked that feeling being broke as a joke, so had to stay hungry and motivated. Never struggled when I was part time, business first pleasure 2nd. With that said it can be hard if the person works part time and has kids on top of it. I feel for them, all you can do is keep plugging away at it and stay motivated and it will all work itself out in the end.