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[quote=Anonymous]It can be confusing to identify and apply for benefits - OP, if you are not clear on what you need, start looking up the programs mentioned and perhaps make contact with a community organization that can help you navigate the system. Given what you have said, you must qualify for some help, and even a little bit of help is going to make the difference between meeting your bills and coming up short. I wouldn't start taking out loans against your property - although you might sell if a lump of cash could change your circumstances in a substantial way.

I don't know where you are and what housing options there are, but I agree that you would be crazy to trade a house you own free and clear for a rental. That said, you do need to make sure you can swing basic maintenance. Think carefully about how you can make this one asset make little bits of money. You mentioned renting to someone's animals. Perhaps look into renting an extra room for cheap - it might not be a nice rental but maybe there's another person who, like you, just wants a safe place to live that doesn't cost too much. You might find the right person. Another single mom?

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