move to Tempe and live in the condo. You’ll lose the rent expense of the house and occupy the residence you own. Hubby can find another job while your 90k/yr job supports a family of 4. $1k/mo payment and a family of 4 with an income of 90k in AZ is doable.
It may not have been the life you envisioned, but it is the life that’s practical to save your savings, credit score, and reduce expenses until things ‘turnaround’ or circumstances change for the better for you and yours.
Not that this is a popular suggestion, but it is what it is.
