<prompt> Human: I got caught up with the excitement of buying my first home, and ended up purchasing a nice house in a nice neighborhood. My mortgage is already pretty high, but that along with monthly utilities, and Im straining each month. Ive also had to replace both the roof and the air conditioning unit twice and its just more than I can realistically handle. I guess the easy solution is to sell. But Ive been hearing that since I moved here in 2016, selling that soon would really screw with my credit, and would also cause me to lose out on money from the sale. This is all heresay from the folks I work with, and I dont have anyone close to me that I can get reliable info from about this stuff. So any kind of advice would be great. EDIT: Thank you everyone so much for your advice. It really means a lot. It looks more like a spending problem than a house problem. I gotta be 100 devoted to budgeting myself to feel less stressed and overwhelmed with my money.For clarification, bc I was way too vague in my original post: My gross income is 41,000 and take home is 36,000. My monthly mortgage is 975 on a 30 yr loan for a house whos sale price was 176,000. Major bills include a credit card 1461 and car note 390month. Assistant: You are too vague with your statements. You could be earning 300,000 a year and own a 600,000 house but spend it all on hookers and weed, or you could be earning 75k in that same house and legitimately need to sell.Your roof and air conditioning are some of the most expensive maintenance issues. Those should each last 10-25 years, so why would you want to sell right after youve made such a large investment? The only other large issues to deal with are termites, foundation, plumbing, and electrical. If those are all fine, then you arent looking at a lot of costs for the next few years.You could sell, and AFAIK that would not screw with your credit as long as you are not underwater in the loan. Otherwise you need to have cash to cover the total loan cost, after paying closing costs. Whether or not you lose money depends on the value of the home.Human: I make around 36,000 a year, and my home cost a total of 184,000. My monthly mortgage is 975. Foundation, plumbing, etc. are good. The house is nice, I just feel silly bc its my first home, I live by myself, and I really didnt need something this nice.  <response>: Get yourself a roommate! 