Hi Susan
Lucky it's the 1881 census that you are having trouble with as I don't have access just now to any other.

Try James FINCH, wife Elizabeth, Alfred 4, William 3 & Francis 1.
13 Cottage, Common Wood, Watford.
RG11 piece 1438 folio 70 page 14.
Strange thing, both Family Search & Ancestry have the name as Finch, hopefully you can check the image. I'm sure it's them.

Maddie