I decided to book a free local appointment with a credit counsellor in our area. Overall things went well I guess...more or less I'm on track and there isn't much more that I can do. The suggestions to improve on what I have are:
1. My credit cards are low-rate at 11.5%, but the counsellor let me know that Capital One is newly available in Canada and they have an introductory offer of prime + 0.9% for THREE YEARS, I applied today so I'm hoping that comes through. I should know by next week.
2. Consider part-time occassional work, something that I have been trying to figure out. I want to only work part-time 1-2 times a week and something that I enjoy so I can maintain it.
3. Get rid of the leased vehicle--already listed and fingers are crossed.
There is no magical answer for our situation and drastic measures like consumer proposal and bankruptcy would not be a benefit for us.
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