<prompt> Human: EDIT LINK IN COMMENTS FOR EASY VIEWING OF DATA AND NUMBERSHello Reddit Community of Personal Finance,First, forgive me if this is the wrong subreddit or flair within the subreddit to use for this post. Please PM me the correct place to post this for help. Thanks.Ok, let me first start by saying a few things that will sort of lay the groundwork for what responses I get and will help those taking time to help me, do it better. I am open to everything, from traditional advice to off-the-wall crazy things. The only exception is bankruptcy. I would really like that to be the ultimate last resort very very last like, that or homelessness, and Ill go to court for bankruptcy. Otherwise, I really would like to come up with a plan that is both realistic and optimal for my financial situation. Ok, so a little about me I am a white, female, age 68 years of age and retired from the medical industry. I live with my daughter, who cannot work due to disability while awaiting her case to complete in court, she gets a small sum of money, less than 400 that I do not ask her for because she is going to live with me until I die and will not put me in a nursing home. I also live with my grandson, who is an artist and his income is variable. Sometimes he has given me 7,000month and other months it is nothing. It just depends. I dont want to depend on his income either, though. I got myself in this and I want help getting out within my means and options. I am unable to go back to work my body can barely handle getting from bedroom to kitchen, but I am far from death. My husband, for those who may ask, died in March. So, its just me, my daughter and grandson. We make a great team and no body freeloads, but we all feel crunched by my debt and financial woes. So, any advice and help is greatly appreciated. Below, you will find a detailed but non-personally identifiable description of our monthly finances. Lastly, we are currently looking at shaving the cable down to internet only, I would have dropped that, but grandson sells his art online. We are also looking at selling the smaller older house that I dont owe anything one. We could also sell my car back to dealership and get a good used one so we can get like 5-10k back from the car. We are also looking at refinancing my current home with a reverse mortgage since we have so much equity. How did I get so bad? I was fine until March. My husband died and I spent everything I could to have my daughter and grandson move in with me. My daughter has an adopted daughter and she needed a good school. Where I lived at the time wasnt good, so we moved 10 miles to another city that has wonderful elementary schools. I also just havent been thoughtful in my depression. I am better now and ready to get my finances right so my family doesnt suffer when I am gone. I just have no clue where to start. I was well-off before now. I had over 270,000 in the bank and multiple annuities and mutual funds. However, after my husband died I lost it all and went bonanzas. Any advice would be much appreciated.Thank You Kindly. Here we go:Monthly Income:1,724.00 Social Security IncomeNo other source, Ive exhausted all insurance, retirement accounts, mutual funds, annuities, etc.Monthly Expenses: Non-Credit Card Expenses: Average Monthly Payment674.75 Mortgage180.00 Electric30.00 Gas130.00 Water31.30 Sewer295.50 ATT Cell Phone 3 phones, 2 tablets65.50 ADT Alarm Company285.50 Comcast Cable, Phone, Internet177.76 Physicians Mutual Dental and Health Insurance Supplement54.35 Central United Cancer Policy162.29 Life Insurance Policy100.00 Transportation Cost Gas225.00 Food75.00 Misc. Shampoo, razors, paper towels, etc. when needed GRAND TOTAL MONTHLY EXPENSES NON-CREDIT CARD: 2,486.95Monthly Expenses Credit Cards: JCPenny Store Card3,900 - Balance4,300 - Limit0.00 - Over Limit By:0.00 - Interest Rate35.00 - Min. PaymentSears Store Card4,800 - Balance4,800 - Limit0.00 - Over Limit By:0.00 - Interest Rate85.00 - Min PaymentRegions Visa Platinum14,187.20 - Bal14,400 - Limit0.00 - Over Limit By:7.90 - IR235.00 - Min. PaymentCapitalOne Visa24,558.92 - Bal10,000 - Limit14,558.92 - Over Limit By:22.90 - IR745.00 - Min. PaymentChase Freedom35,612.09 - Bal15,000 - Limit20,612.09 - Over Limit By:12.99 - IR1013.00 - Min. PaymentKroger Rewards Visa20,435.78 - Bal11,000 - Limit9,435.78 - Over Limit By:14.74 - IR945.00 - Min. PaymentDiscover7,967.12 - Bal8,500 - Limit0.00 - Over Limit By:9.99 - IR160.00 - Min. PaymentCiti American Airlines22,562.22 - Bal9,500 - Limit13,062.22 - Over Limit By:23.77 - IR975.00 - Min. PaymentGRAND TOTAL CREDIT CARDS BALANCE: 134,023.33GRAND TOTAL OVER-LIMIT BALANCE: 57,669.01GRAND TOTAL AVERAGE MONTLY PAYMENT: 4,193.00ASSETS:Checking Account: 1,200.00Home 1: Paid Off. Valued at 35k. Another grandson and his family live there; they are down on their luck.Home 2: Mortgage Balance: 109k. Valued at 195kVehicle: 2015 Nissan Frontier, Paid Off. Valued at 21k by dealership.CREDIT:3 months ago, my credit was at 848. It is now at 644.  <response>: I have nothing to offer advice-wise that is not already represented in this thread, but I can say: If you are not open to the advice you are being given, you will stay in the same place. You should try to keep an open mind about what people are saying on here and imagine applying each bit of advice in your life even if it sounds entirely unreasonable to you. Most of the people in this sub have already learned a lot of these life lessons and are giving you their best advice. 