You only earn $12 in a month? I'm curious what your job is, but I think the amount is very small and if you already have a wife and children it will definitely be difficult to survive. Maybe you need to look for a better job considering you are already 28 years old
There is a signature campaign on this forum and I get paid $1 for each post. Not much but not bad either. But for higher ranks, they will be paid more. I don't expect you to be here just to make money as this is a discussion forum. If you have the ability, maybe you can start as a freelancer. I once joined several freelancer sites but am now retired because I am busy working offline.
Some people actually earn below that amount and they are surviving. It just depends on where you are living and the cost of things there. If you convert that $12 to some local currency, you'll discover that it's a reasonable amount to some extent. Talking about this signature campaigns is the reason why some people engage in account trading and it's not guaranteed. The number of users who wants to enroll in campaign is higher than the campaign available, it's a message that the signature campaign is not a reliable means. I will advice OP to get something doing offline or to enroll himself in any skill acquisition center in order to support himself financially. Earning money online is not as easy as some people think it is honestly. You need to have skills such as writing, editing, designing and good in content creation. If you have any of these skills then you can start from somewhere.
And please be careful so you won't fall victim of scammers who might pretend to help you with legit online business that pays. I can see that the OP is desperate looking for means.