<prompt> Human: Without going too much into the details of how I got where I am, I made a series of terrible financial decisions. I had a job that payed 150k a year and so I always thought I was just around the corner from getting my debt paid off. My credit card debt combined with my partners is 35k and we have a combined 100,000 1,500monthly in student loan payments with a 2500 mortgage. We had actually dropped our debt from 35k to 27k ealier this year, but my partner lost her job and was out of work for a while. In that time it bounced back up as we were making lower payments. Then a few weeks ago, the bombshell dropped. I lost my 140k a year job and realized that my company was the only one willing to pay that for my work. Most other companies are offering 100-110 for these skills, and it will take me a while to get there. Now I know the basics of where I screwed up in the past and how to fix it. I have to start budgeting, cutting monthly expenses mostly lifestyle expenses etc. I have a 50 a month storage unit I barely use, so Im trying to empty that.However: I have a 2500 mortgage that I can barely afford when Im raking in decent money. We live across a toll bridge from any decent jobs in our market and it costs us 15 daily to commute. My zEstimate has gone up almost 15k from what I paid for it 2 years ago. Do I sell and move into a cheap apartment or hold on for equity? If I do sell, it looks like I will barely break even. Is that throwing a lot of money away? The savings on a commute would be 300 monthly. Part 2, I have about 25k in savingsinvestments. Do I pull all that out and pay off as much of our cards as I can in a lump sum? Or do I leave that and work on paying off cards over time? TL;DR - I have royally screwed up. I need to know whether it is better to sell the house or not, and whether to dump my savings into paying off debt. Edit 1: Mint Budget___ 10,000 in monthly expenses on average.2500 mortgage 1,500 on fooddininggroceries 250month car payment, around 500ish on commuting, 600 on utilities 144 on power, 213 on comcast which can definately be dropped 100 for a gym that cant be cancelled for another 11 months 800month in interest charges 1317 in student loans We tend to have 100 or so in healthcare, plus a hundred or so on your misc walmart and target etc. Travel is a big one for us as we spend a lot of time doing things in other cities. That is the rest of the expenses.Edit 2: Mint includes tolls in Travel which is about 200monthAssistant: Rent out a room to a student or family member? Human: mily member?No family to speak of and no where near a university, but we do have a full basement with a bathroom.  <response>: put an ad on craigslist or airbnb and rent it out! 