Wholesale Sites

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Have you ever tried to make your own business online through wholesale sites? If so, did you have any luck with them? I have a business online (which is not complete but there are quite a few items on the site) and I have noticed that the wholesale site I work with charges weird rates for their products. For example, I have a camcorder on my site that says the retail price is $499.99. Well everywhere i look online, people are selling this product for less than what I get it at the wholesale price. This is with almost every product. Without paying out to work with a wholesale company (since most of them want a monthly fee of $50 or more - which I dont have) how in the heck do you get your own store open and actually working FOR YOU not AGAINST YOU? If you have any ideas for me, as I am in rough shape with money right now (even my paypal account is negative :( ) please let me know!! I have been working with PTC GPT and whatever other sites I could ... JUST TO PAY OFF MY DEBT IN PAYPAL but it isnt working fast enough. It seems like I need to constantly be ON THE COMPUTER which is hard for me in general because I have to chase a 16 month old around my house who likes to get into everything... I have to deal with other things as well (like cleaning the house and organizing things for a new baby arriving soon) and it seems that the only way I am going to be able to do this is if I ignore everything else (which as everyone knows, when your a stay at home parent, you cannot do this lol) PLEASE PLEASE HELP ME!!