I do not work, but am a full time student, take care of my friends mom in between and have pets. My husband, like your is not able to help. (he is gone 12-14 hours a day working) Tag I am it for errands, shopping, making the phone calls at home, etc, etc. He does help; he takes out the trash, washes whatever cannot go into the dishwasher, will take laundry up the stairs, does bills, mows the lawn and is the poopie scooper. I understand he works and commutes many hours and needs a break.
I sure as heck do not get every thing done. Sometimes I just have time to clean the kitchens and baths, only to have hubby leave a mess on the stove and in all the sinks and I have to go back not even 24 hours later and clean it. He leaves stuff on the counters, on the table, etc, so that means I just cleaned yesterday and I need to go over what he left me, plus go to class, take the dog to the vet, Nana for a haircut or blood test, and then grocery shop and then I still have to make dinner and do homework. I have a hard time getting things done, I just do not obsess over it anymore.
I also realize that I am ONE person and have 24 hours in a day. I NEED rest too! I do not have a written list, but usually do the major grocery run one day a week and will stop for incidentals on another day. I REFUSE to go back every other day, so if we run out TOO BAD :p ! SHOULD HAVE been on the list

. This "rule" has made MY life easier, it saves time. I usually try to do laundry, dinner and homework at the same time. Multi tasking helps. When I worked, I cooked dinner and did bills, or cooked and played with the dogs, wiped the kitchen down, ran laundry. Whenever I can multi task, I DO IT!
I too have neighbors that are stay at home moms, but most have cleaning crews that come once a week to clean their homes, change bedding and towels, and do laundry, etc. (my neighbors cleaning team (2 persons) are there for about 4+ hours. Some also have an "afterschool helper" come to help them when the kids come off the school bus. I have no kids and I have NO cleaning crew. TAG I AM IT! They also take their dogs to the groomer...I groom my own! (2 dogs from bath to blow dry to brush to teeth and ear cleaning to actually buzzering...6-7 hours every 5-6 weeks!) They also get a bath every 3 weeks.
I just try the best I can. My yard really could use a make over, but funds are low, the extra time it would require out of me is not there. I KNOW I already do enough, I am not going to beat myself to the ground. My husband works on home stuff here and there, so when the $$$ and time frees up for him, he can do it. I do enough inside and have enough on my plate. Yesterday I started cleaning the house at 7am and finished at 3, and that was not a Polish girl scrub down, but it was enough for me. I have a list of stuff I need to do...like clean out the kitchen cabinets, wash the upstairs windows (I already did the 1st floor), dust the upstairs walls, shampoo the carpets. That list is on the fridge. I will get to those items one by one when time permits. Sure I want it all done and squeaky clean, but IT AIN'T GONNA HAPPEN overnight. I did get estimates for cleaning people..we CANNOT afford it either. My step daughter & I are college students. She goes away to college and I attend community college because that is all we could afford. My situation is what it is. I just do the best I can with what I got.
Next weekend our church is helping others in our community, painting, mulching, building, fixing, etc. We are helping many people that do not have the ability and/or funds to make repairs, some are ill people, others are single moms. Maybe a church in your community does the same? The people we help do NOT have to be church members, just members of our or other surrounding communities. our church does this ALL year long, but this is the GREAT day of serving where we get 1500 people and just attack tasks that people need done. One of my friends is single and her toilet in her condo broke last year...someone from church came and fixed it, parts and ALL for FREE! I know there are people out there that are willing to help. Heck we are helping next weekend! We WANT to help and do what we can. Check with resources in your community and county office. Your husband, if he has a case worker, they can at times help you locate resources.
What has helped me is not to think of ALL the stuff that needs to get done because THAT rattles my cage and is unsettling for me because TAG I AM IT! I just do as much as I can when time permits. I also remind myself that I too need to rest, so I cannot run 24/7. It is a balance. Do what you can and do not neglect your needs either. I know things will not all get done overnight and that really is OK. This is where I find balance, to do what I can, treat myself well and to acknowledge AND accept that I REALLY did my best. Tomorrow is a new day and will provide more opportunities to get stuff off that list checked...in between dogs puking, husband leaving messes, laundry, cooking, dusting, homework.......
I WILL BE OK!