This post is about a variety of things (finances, MIL, husband, Mat leave)

I am on my 3rd pregnancy and close to giving birth. When I found out I was pregnant, I was able to convince my husband to move to another province that will save us financially because living in the GTA is quite a challenge for us. After living with MIL after having our first child, we realized that living with her is a big no-no, hence why we moved out of her house. Yes, it saved us money but we (and I mean mostly me) was mentally breaking down, as MIL is very intrusive, obsessive and possessive of my child. Until now, MIL hasn’t changed and seems to be even more possessive of my children. When we finally moved out on our own (renting), I have accumulated so much debt from buying furniture and other things we needed for us and our children. Husband does not help in paying my credit card bills. I have always made more than him, so I naturally took on more financial responsibility on our necessities. He finally found a job that paid equal to me, that was when he started paying more of his share. Since he loved that job so much, he made me agree to stay in GTA for another year, and that he will help me pay off my debt. I agreed because that job made him happy and he would be able to sustain us while I am on maternity leave. But that job has laid him off a month ago, and he is back at his old job. I am going on maternity leave soon and since we are renting, we are in a financial bind. His mother promised to give him $200k to buy a house as long as it is HERE. Does that make a lot of sense though? Even if we have $200k for a downpayment, for houses in GTA that starts at no less than $700k, is it feasible? We still need to pay for my children’s daycare too. I don’t know how we are going to survive on his smaller salary and my maternity benefits plus having to pay off all my debt and bills… He doesn’t want to leave GTA. And his mama wants him close where she has full access to our kids. She made it a point that she will come over to “help” since having a third is “hard”. I don’t need her help! She’s more work and stress-inducing if anything! All I want is to move to a more affordable province, pay off my debt and live peacefully in a place we can actually afford to live! I honestly think his mom’s “help” of $200k won’t go very far here in GTA. Any piece of advice from finance-savvy moms out there?! I’m getting desperate and I just don’t want the burden of his mom being around so much. It’s honestly draining.