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Thanks for your reply, from my original post, worst case scenario in answer to your question about the home being paid for:

I currently own a home. If you've followed some other threads of mine (don't want to repeat) you know that I have little or no equity in my current house, a no interest loan and am paying off 30K in credit card debt.

No equity but we haven't had the house appraised officially, only had 2 realtors say they could sell it at the cost of the current loan. I think getting a neutral appraisal would help but I'm not quite ready.

I feel so desperate. In one year of effort, we have not been able to pay down ANY debt. I lost my job in May and was unemployed for 4 months, didn't help. Also we needed a second car, we were able to buy one for cash, 4000, but now we have more auto insurance. Gas prices are up, doesn't help. BTW, I'm the breadwinner right now. Hoping DH catches up eventually but he's only been in the country a year and a half and he works really hard at one job and is looking for a second and taking classes.

Anyway, I just want to figure out how to get out of debt and am thinking of every creative way of doing this that won't be a "mistake". In quotes because it's hard to imagine what the outcomes might be. Example, what if we decide to buy something really cheap (or rent) and the place is so small we end up being so miserable that we break a lease or have to move and lose money? Things like that. To be honest, life is too hard to pile on one more difficult situation.

The house is our biggest expense so that's what I've targeted to get rid of. I've cut back on everything else.

I appreciate all the replies about the condo fees. Having never had them, I didnt' realize they could be such a pain. I always thought they equated to what you would normally spend on upkeep on a house but that they would be negligible.

To be honest, I am feeling so overwhelmed by all this. I've been thinking and analyzing and scrimping and saving and looking for a perm job (contracting now), working during the day and a home business at night, I am burned out every which way and just not able to get ahead. I don't know what to do. I think I will probably melt into denial mood and just forget saving money except that DH reminds me daily of our situation and that we need to fix something. help!
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