Anvil,
Compared to what we have been bringing in annually, our mortgage is to big. There is no way I could do it alone .. nor my husband. Not and pay everything else that goes along with living. The sad part about all of this is .. his partner has been claiming more and more income every year .. while my husband's continues to go down, down, down every year.
With the economy the way it is .. I'm not sure how long it would take to sell our home? I don't know that I'm going to have the chance of finding that out, since I am not going to be able to make the payment this month. It will be the absolute first time that's ever happened!
The spreadsheet thing .. I've been doing that for a number of years. Then I have to use a credit card and that immediately puts me behind .. big time!