Iomaca,
In a way I envy you as there is no way I could put my bets on at the start of the day, as I work race to race, and believe me somedays is very tedious and I finish up with square eyes, but on a lot of other days as per today 1 bet and finished, Cranbourne R1 no2, got $2.25 fixed odds.
My method at the moment is very good with only one bad? month in the last 12(last month) but still made a profit for the month.
This new idea is looking great and I am feeling very confident with it as it is basically the same as what I am doing except the way to seperate the 3rd from the 4th fav and is clearcut, so I don't have to work the eyes and brain so much to get my selection.
Many races no bet but the strike rate very good.
I understand your position in relation to family, mortgage, etc and I think that is the problem with a lot of people who are very good at the punt, and that is to bite the bullet and have a go.
I am in the same position as far as family and mortgage, but lucky in that I closed a business and had good equity in it, put x amount aside to punt and made up my mind if x went I would look to something else.
While I still had the business I paid a lot of money for various systems etc etc, none of them worked.
I am a firm believer that one cannot work for a boss or oneself and be successful on the punt.
Maybe I'm wrong but I know I have to put my whole being into what I do.

All the very best