Ginger - I'm so sorry you are still struggling so much.

I have some unsolicited advice for you that you won't like.

Sell the house and go back to renting.

I know that cost-wise it's probably similar monthly costs but the wind-fall from the house equity would probably help clear out a bunch of bills.

I know you love the house and the fact that you, as a single-hard-working Mom are a home-owner and that you are very proud of that.

It's also I think a source of a lot of your financial and other stress. You're stretched too thin and are living house-poor.

If you're thinking of moving out of the area eventually anyway, renting gives you more flexibility on when/how/if you make that choice.

((Ginger))

On BD
H52, W50
T27, M26
S21, D23
BD-9-Mar-16
D-15-Jan-18 Final-19-Apr-18
I am a storyteller. The story may do you no good.
But a story is never for the listener. It is always for the one who tells