Roommate and I been spending weeks cleaning up the house for listing photos, finally got them done and sent off.

I just can't manage the household bills alone, hours have been thin at work lately and my bills have gone up, including a 15%-ish increase in house payments thanks to the escrow payments for homeowner's insurance premiums and property taxes. I have utilities going to credit cards, along with groceries, but I haven't been able to pay the balances off, and have just been paying the minimums the last several months. I am only using about 10% of my card capacity, but the situation has been getting worse, so I'm having to downsize my housing.

This is just a starter home, but I'm going to move into a manufactured house (which I would buy) on a leased lot. Not ideal, I would not build equity, but tradeoff is my housing payment would be cheaper than an apartment, I could pay less than $1000/mo for a 3-BR, but 1 BR apartments go for around $1200/mo.

Hope to save up cash to buy land and build a house that's a lot more "mine" someday, and look forward to a huge reduction in house payments letting me pay down those balances, and eventually all my debt (~$13k remaining on a car loan).