It's ok to come on here to moan. This is a serious problem you have here. It's one that crops up a lot though.
When we talk to each other about how sick and weak we are, yet are trying to work. Most advisors or friends, will say, try to cut back your hours, or take care of yourself first. This is absolutely sound and good advice. Financially it's gonna be harder, but without your health, or at least what's left of it, where will you get the strenth you need to keep pushing? Pushing is a "no no" with this illness. It makes us sicker.
Along those lines. If you really have no other way to earn money, how about government aid? Disability? If you already have that, and cannot find someone to share the financial burden with, then you may have to consider how great a financial burden your mortage is to you. I know this is the last thing you want to do, but sometimes we are backed against a wall and have to downsize.
My husband and I are getting ready to sell our home. He is disabled and now I am too! It' surely not what we want, but we have to live within our means. It hurts, I understand how you feel.
I pray that an answer will come for you soon, and maybe you will be able to remain in your home!
Blessings to you! Miracles do happen!!!!

Is it possible to get a renter to help with the cost? I don't know where you are or how big your space is, but even renting a room with kitchen & bath priviledges might help some. I know when I first went out I my own that was all I could afford. It could help at least with the mortage. Hope things work out for you.

I am going on disability and filing for permanent disability and I am calling all over the place to find out about low cost housing and all the other plans and programs available to me now -- food stamps, discounts on electricity, phone service, natural gas, etc.

I am a member of Debtor's Anonymous. One thing that the program does is other people will get together with you and help you put together a spending plan. It's nice because there is no judgement and the other people do not have the emotional attachment to your money like you do. Now that I will be on a fixed income, I will get a spending plan put together.

I can no longer work (after 19 years of CFIDS and at least 5 years of FMS and 19 years of DENIAL) and I am taking this change in my lifestyle very seriously. First of all, it is a relief for me to finally be out of denial.

I am selling my beautiful Chrysler Sebring Convertible (sigh) with two more years of payments left on it (and here I live in LA -- the city of "You are what you drive") and I am going to get some "beater" car that I will own outright.

I am going to find discounted or free health care, social work, pharmaceuticals and mental health care.

Once I get my permanent disability and supplemental SSI, I am going to research the least expensive (but still attractive to ME!) places to live and I will move THERE -- and out of expensive CA!

HOWEVER, being on permanent disability does NOT mean you cannot earn money. I am not sure what the rules are but there are ways to legally bring in extra cash.

I hope this has given you some ideas and some options.

There is some hope out there.

But, you know what? It is always OK to bitch when you feel down and overwhelmed because that happens, too.

And I HATE being single and having no one to share this load with. I HATE THAT A LOT. And to have no one to even bounce my ideas off of. ARG! And to be going through all this above crap alone!

But I am lucky to have some really good family and friends and some incredible sources of support (DS). Again, I hope some of the above may have been helpful.

have you contacted your insurance company to check you dont have any insurance against being out of work for illness? You should also contact citizens advice bureau and the ME charities, they may have some advice or beable to liase with your morgage company?

Its okay to moan now and again. I have been there and now living on disability and subsidized housing. Can you get someone to share expenses like renting out a room or two? Do you live near a colledge or universityas they are looking for places to live. I have done that in the past.

MAN MAYBE IF YOU CALL YOUR MORGAGE COMPANY THEYLL WORK W YOU THATS WHAT THEY DO IN THE US

Don't worry about moaning, that's what we're here for. When things get to the point where you just want to scream... do it ..let it out!
If it's your home that's important to you and not just your own space, I agree with the others and suggest renting out rooms. I had a friend who had to do this after her divorce. It was difficult but she managed to keep her home. Keep in mind it's not permanent, just until you can return to earning a living or your mortgage is paid.

thanks everyone for all your help and support xx

Wish I were rich would give you a mill. or so, but we are in the poor house too. It is good to get it out of your system, your moaning I mean.

I know what you mean about bills. I just got paid today. I paid the bills and have $34.51 left for the next two weeks. I have 28% of heating fuel. Southern States wants me to place my order when I have no less that 20%, I don't get paid again until the 31st. I hope it stays warm that long. That is going to be $950+ added to my credit card.