Hi there
I am in the same boat, only my hubby lost his well paying full time job about 2 1/2 months ago. We have two daughters - 2 1/2 and 16months to support.
I've been making soap for about 3 months now, so still quite new aswell.
Maybe look at your target audiences, like male, female , children, grandparents. You can cater for all different skin types eg. sensitive, aging, problem skin. Grab a couple of books and take down some recipes, practice with some simple soaps to sart off.. maybe ask your family and friends to test them out. A good one for men are the shaving soaps in a mug, you can fragrance it with a spicy mens fragrance. For kids you can do lollipop soaps, cake slices, anything cute and fun, theres so many molds available.
molded melt and pour soap for functions like christenings, weddings, baby showers are always popular..I saw a mold with baby foot prints on it the other day..lol
As for something unique, there are lots and lots of idea's already out there. Have you got something you really love? You could be creative and maybe try and replicate it into soap, like some other people have.. flowers, food stuff, even saw an article on "soapyloves" blog - a lady makes soap resembling bacteria!!!
Hope this sort of helps. Am still in the process of thinking up something unique to soap.
(could try carving soap?)