My husband and I are in our mid-sixties. We moved into manufactured housing 7 years ago because the house was priced very low. At the time, I was not yet handling the finances so was kind of oblivious to “the future”. Now, due to my husband’s declining health, I am handling the money which consists of our 2 SS checks, period. There are no assets, IRA, annuities, or extra help of any kind. Over the past few years, we’ve had to pay for my mom’s burial which cost us $7,000. Home repairs were over $3,000, 2 maxed out credit cards are close to $1,000 a month. The mortgage payments and HOA fees have gone up $100 a month each. We simply don’t have enough money. I am fearful that with not being able to pay some of our bills, I am ruining our credit and we need to move out of this too-expensive house. We probably won’t get a mortgage loan. I have trimmed all the “fat” I can from our budget. In addition, our house needs some work to be put up for sale and not only can I not do it, we can’t afford to have it done. We “make” too much from SS to qualify for any help. I’m pretty sure the organizations who help seniors out would tell us the same thing if we applied for help with the house. We’ve been denied right and left for more help. No Medicaid, no HEAP, no SSI. A Miller Trust wouldn’t work because I need the money to pay bills. Hubby has to stay in our home for us to get the full SS. Moving to a townhome or apartment is not an option. I will not give up my dog. Non-negotiable. Plus, apartments in this area are over a thousand a month and that’s no savings. We don’t qualify for Section 8. I cannot continue to care for my husband, manage finances that we need and aren’t there, and worry about losing the house. I tried to talk to him about it and he responded by telling me how cute the dog was, sitting on the sofa. And then went back to sleep. Please...help!