 I need $200 every month in order to be able to live and not spend any more on this credit card. That $200 will help me make my minimum payments and not go over. Because the other option is we might have to look at this house, which doesn't really make sense because of the cost of living today. There's not really an option. Could you downgrade in-house? If you sold it for $250, could you go buy a place for $200?