"I am footing the bill for over 50% of the expenses year-to-date."
Maybe it's time for some adds... Or maybe to work in partnership with other Folk oriented music sites like, I donno, folkalley or others of that ilk? (Just thinking out-loud here....)

"She ain't what she used to be."
Things never are....

"We'll never get it back."
Looking forward always beats looking back

"This site should be about our eclectic interest in old-time traditional music from all over the world."
There is an easy way to make it so.... Only allow on-topic posts.... If someone else wants to host an Off-Topic, sort of sister-board to Mudcat, let them.... This way you wouldn't have to 'sweat the bullflop' at all