u/Drunkarchaeologist

Hi all so based in Ontario and the GTA and house prices are crazy, but dropping. So I'm in a very lucky position where my mother-in-law owns her house outright since like the 90s, so she's saved and had a lot of investments. Anyway so she has offered to help us buy a house, so I think she's offered to give us a $200k down-payment.

My main question is though, she had thought about being a guarantor for us to help us get remortgage, but she's worried that since she currently owns a house, if she is guarantor for us, would that be classed as a second property for her? And her taxes go up? She's a bit worried if that's the case as she retires this September, so doesn't wanted added taxes and property tax etc

So our daughter turned 8 months a few days ago and here in North America it is mother's day, so my wife's first one. I work a service job so it's the busiest time for us, like reservations through the roof, so I was at work all day. Admittedly, I didn't get her a card etc to open in the morning, I had to say "morning, happy mother's day" before heading to work. But on the way home I got a nice card, a bouquet of flowers, a fancy bottle of wine and bought her take out Thai food which is her favorite.

Fast forward to now and she's in tears as she's breastfeeding our daughter, I'm like what's wrong and she said she guesses she could have been made to feel more special today, like I'm not sure what else I could do? I have to work as I'm the only one bringing an income in, like now I feel like absolute crap. I feel there's more underlying than this as she says she cries most nights because of me, like I didn't think I was that bad, I feel so guilty I can't do more to help out around the house, but I'm working 2 jobs to keep is going, I try my best to help out around the house, like I clean the whole place on my days off etc, I get groceries on the way home from work. Like is it ok for us Dad's to struggle? I mean I'm sorry I'm not there forst thing in the morning to do diapers, I want to be, but I have to work