Lon, I can't remember. Are you single? If so, why not just rent a room in some lady's house for 6 months, and put that money into getting in order?
I wish it was that easy. Divorced, have my son half the time... I have a three bedroom two story home and rent the master bedroom (since it has its own ensuite, a lock on the door and is at the other end of the hall from my son's room) to my brother for $700 incl utils, if I rented it out to anyone else I'd charge $750-800. There is an unfinished basement, it's a newer home built in 2007. Mortgage is $1100/mo, taxes are $230/mo. Two bedroom apartments near my son's school go for $1100-1300/mo, three bedrooms start at $1400/mo. Electricity and gas at my house are equalized and are $220/mo, this is where I think I could save the most monthly, since gas is included in most apartments, and electricity usage would be less, probably save about $150/mo there.
My car payments are $250/mo drive a 2010 fusion and it has 2 years left on warranty, but I will always owe more than it is worth since I financed it at 72 months (stupid decision).
Credit card is maxed right now at $5k and loc at $6k, min. payments on these are just under $250 - if I could magically erase these debts I could make my budget work, but the problem is anytime I try to pay more than min. balance I always miss atleast one other bill so I have to juggle for the next couple months playing catchup. For the past three months I've been an utter hermit, no wasteful spending, except two weekends ago I went out for drinks and spent $30. This is depressing, living paycheck to paycheck, and it is making life go by faster than I can enjoy it.
I don't think there is enough equity in house to take much out without no longer qualifying for mortgage, though realtors are saying my house price is a lot higher than what I think it truly is (I think around $300k, they are saying average $350, but homes on my block have been listed for months in the $305k range and are not moving, and probably more sellable than mine in their current state). (and the gov't still tells us inflation is still around 2-3% - my ass)
In some ways I am jealous of how my ex got out of everything when she left - I bought her out of her share of house, and she just left all, ALL her stuff, she took a suitcase of of clothes and found a cheap basement suite, no loose ends to deal with, and I inherited all her crap, and have been too all over the place ever since emotionally to deal with it, I wish I could just leave it all behind (except my son of course) and start fresh, rent out a cheap room and go back to the bare basics, I'm working myself to getting there but there is the emotional baggage I'm working on with a counsellor... it just gets so overwhelming.
That was much too length a reply to your simple question.