That's a really interesting idea, Metro. I didn't know there were companies that helped to set things up like that.
Chancie, I know it might sound counter to what you wish, but if you decide to stay in your house, have you considered refinancing again--this time to lower the payment to what you can afford when you retire? You could continue paying each month as if you had not refinanced, but when you retire you could drop down to the lower payment without any penalties. It might give you some breathing space.
Ursy, I love that windowshade solar oven!
Gryph and I are also trying to be more frugal but I'm having a rough time trying to grow food--although my three surviving raspberry vines are tickling me pink by giving me berries in November--still, I think the effort is worth it even if the Kansas learning curve IS steep. Sheesh, now I know why Kansas was the place that broke so many pioneers! The weather is brutal on gardens!
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Cath
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