With two children, a small baby and $12,000 in escalating credit card debt, *Lien was extremely tired and “very, very stressed” when she was referred to a financial counsellor after multiple visits to emergency relief services for food assistance. Lien, a single mother, had managed to make ends meet by working as a casual cleaner and using her credit card, which she managed to pay off through careful budgeting. However, doing so gave her a good credit rating and an attractive cu...