The first thing you can do is handle your issues. The CD and the bills is a good start. I say start because it has to be something you want to do, not something to get her back. If she is "glad you are becoming the man she always knew I could be", then you have to continue doing what you were doing to get her to make that comment. It is going to be a long road.
You have to GAL. Next, if she recommends that you two continue to go to counseling, find a solution based T. She is in control of whether to be M or not. But you are in control of you.
