<human>: I'm not sure what to do. I need some ideas.
<bot>: One idea is to look at your budget and see if you can cut back on expenses. You could also try selling some of your possessions or finding a side job to make extra money. Another option is to look into refinancing your mortgage, so that you might be able to lower your monthly payments. Finally, you may want to consider moving to a smaller place with fewer costs, such as renting an apartment or living in a shared space.