It sounds like you may have found a good solution to your problem. I don't have any financial expertise, but I thought I'd chime in because I do know some people who consolidated debt and regretted it later. They felt like putting everything into one lump sum was overwhelming and they'd never be able to pay it off or make much progress.

In terms of feeling encouraged about the debt and progress toward a solution, some people I've talked to prefer Dave Ramsey's approach, where they try to pay off the smallest debt first (without regard to interest rate), and then add the leftover money from that debt payment onto the next largest debt, and so on. (I think he calls this 'snowballing' or something.)

In your case, with working less, maybe consolidating is still the best decision… I know some credit card companies will settle for less than you owe if you're really in debt (though it's not good for your credit rating, of course.) Plenty of companies will also work with you to lower your payments if you're trying to continue paying. If you settle on one card or can lower payments, you might not have to close all the other cards, but I guess the best decision probably depends on each person and his/her individual situation…