Since you were like some suggestions as you have requested in your post and puting magic aside. I believe there are a few things you need to consider.
1. You have said of your mother "If she helps me move into an apartment, I will be calling her every month for help with rent until I find a job!". If I was in your position and from the sounds of it 'dire', I would jump on the boat with her offer.
2. With regards to finding a suitable home and I'm a mother myself and I understand that safety is a concern. Everyone has their own perception about what is safe and secure however you need to address what is 'acceptable' and not what is in 'the criteria' at the moment due to your situation.You have mentioned about a 2 bedroom gated apartment. It sounds like it is in a part of the neighborhood you simply cannot afford at present. If assuming the price range should stay between $500-$600, you have said "All of the 2 bedroom apartments in that price range are in not so great neighborhoods". Since you have not describe what will make living in this neighborhood not so great, I'm going to come out and ask how bad is it? The utmost priority now is to get the kids and yourself a place to stay which is modestly comfortable and secure.
2.I understand you are concern about the well-being and educational requirements of your children but to put it bluntly you do not have the luxury or the options at the moment to put your kids in the best of school (despite your best intentions), maybe later but just not now until you can sort out your finances.
3. $6000 is a lot of money regardless if that person can afford it or not. If that person is truly unwilling to provide you that money than take whatever you can such as the help from your mother. You may not like it but sometimes we need to 'bare and grin' if only for a short period of time.
I do not know what your readings were and I'm not a qualified hoodoo practitioner but I would think since using fast luck and money drawing spell, if you haven't had any success than it is probably not intended for you to receive it. How about considering Crown of Success Spell which may help you find success in career matters? I wish you all the best Blue.