$10 is a lot for a 10 year old. Is she spending it or she expected to save a good portion of it? Can you open a bank account for her or get her one of those divided banks where she allocates some money for spending, some for saving and some for charity???
She SHOULD be playing - she is a kid. Did you enjoy watching your 2 siblings full time for the summer? Is that fulfilling for your child? Were you resentful? I think she's old enough for certain responsibilities but too young for a full time job!!
Hubby needs to not "help" with laundry or do what "you ask" - that means that the overall responsibility is YOURS! You are feeling the crush of having to constantly be on top of everything. The chores are family chores, and everyone signs up for the chores they want to do (or the ones they hate the least!). Then you take what's left and divvy it up.
How little is the little sister? Little kids can sort socks, sort laundry into lights and darks, and learn to clean up their own messes to some degree. If she has some sorting bins in her room, she can put things in them. Before my son could read, we put photos on different bins so he could identify what when where - we took pictures, cut out the ad from the circular, or drew a sketch so he knew that little cars when in one box, stuffed animals went in another, arts & crafts supplies when in a third, and so on.
Also, try not to let one set of toys lie around and then have another batch come out. Your daycare kids can put away the stuff they are using before moving on to the next activity. Do you have structured activities, or just everyone doing what they want? A structure might be easier for all - art time, snack time, car & train time, quiet time, story time. Transition from one to the other with a silly song "It's clean up time, it's clean up time, let's see who can put the cars away in time...." Let kids choose their jobs or assign them on a rotating basis - "Let's see, who is the crayon person for today?" "Who is going to choose the book for today's story time?"
And, um, you need a break to take time for yourself!!!!!