My husband and I had 225,000 dollars in the bank, a beautiful  home, good jobs. We put up our home for sale (FL in 2006) and put a down payment on one in GA figuring to sell ours high and pay most of the new home and have a mortgage that our retirement would cover.  We sold our home 1 day before signing on the other for less than we thought. Moved, he couldn't find a job - went through savings and put debt on ccards totaling $48,000. After 18 mo he now has a job in a different state. It seems we have income but with high interest rates we seem to "get by" but not ahead. We are thinking of trying to refinance or take a personal loan and pay the ccards off. We are 58 and 53 respectfully. We have been married almost 1 year. Never expected to be in this position. Please - we could use some advice.