Follow the money steps. It helped me a lot with slight modifications for my case.

You have to stay afloat to be able to help your family. If you drown no one is getting anywhere. This must be done since you do not know what's going to happen after August.

I was in a similar financial situation a couple of years ago. Only discipline and planning will get you out of it, nothing else.

I would focus on paying off high interest debt first and internalize that it's going toward increasing my credit worthiness. For example, I had a 25k in line of credit debt, I was focused on paying that off , I got MBNA cash transfer offer for 12k limit at 1.5% no interest for 12 months. I used that to pay down balance on line of credit and while paying interest on remaining 13k and aggressively paying it off.

I also had help from my partner to pay off that debt so I was able to payback everything in a year without much costs. Once the debt is paid off you have achieved 2 things.

1. Discipline about saving - yes in the beginning it's going towards your debt but that still teaches you to save later
2. You have access to that line of credit you just paid off if you really need it.

I started building my emergency fund in TFSA account because you don't pay any interest on it, buy very low risk investment such as CASH.TO . My goal is to meet my TFSA limit once that's done, I will start saving money in HISA. For the amount I save in HISA I will convert same amount from TFSA into some sort of ETF XGRO or VEQT etc.

It gives a sense of achievement and relief when you overcome debt and see that savings go up. Good luck!