P.S. My roof leaks, my basement is wet, but my kids housing is paid for. Better days are coming, I will do the repairs next year. You don't have to deal with everything now and some repairs can go on the credit card and get paid slowly. It's worth it to keep your house if the numbers make sense; KML's formula is good but you have to add to that what is going to happen to the housing market. I assume the value of your house will keep going up.
I believe I will see the bounty of the Lord in the land of the living. Wait for the Lord with courage. Be stouthearted, and wait for the Lord.
