On the personal side, I really need to get serious about paying down my massive CC debt and saving money.
How bad is it? I made the decision to live debt free and went hard to pay off my mortgage a few years back. I now carry zero debt of any kind and it feels like floating on a cloud of titties. I highly encourage you to do so if you are at all able.
Really bad. It's going to take several years of living really tight to pay everything down. When I got laid off back in 2009 we lived off CCs for 3 years. My wife was in nursing school and we had just had our son, the third child. It has just snowballed since then and we never recovered. We make pretty good money but the monthly payment on one particular CC is insane.
Kids are the one true wealth, so you're doing well. Pretty much what Spells said would be the way to go; I once dated a girl who got herself in a real hole with credit cards. She worked with a debt consolidation company, paid it down, and it all went pretty well. While I understand that Sangoma's approach has merit, I am a little leery of more elaborate schemes, but I suppose it really depends on just how much $$$ we are talking about.
Bottom line is it's a very worthwhile goal you've set for yourself and you're gonna feel great when it's done.