Poor health led to job loss led to down sizing and this problem - help!?

We have to down size immediately. Short story version: husband got sick, couldn't do job 60+ hours per week and company wouldn't change work conditions so lost job, therefore, my much lesser wages alone won't cover bills and down £750 every month, even with massive cuts, and we have to reduce mortgage on large 4 bed in nice road asap. We have two kids in first year of uni and one in middle of year 10 (GCSE first year). Do we stay in same (quite expensive) county in 2-3 bed place in quite a tough area, or get a bit more space near coast, slower pace of life and cheaper houses. I think my chap's health has a chance to improve if I make the right choice. My qualification travels well, so there is work for me anywhere. We always wanted to do this when we retired this but this is not the expected route or time. The main problem is guilt at leaving our two in this county for uni term and particularly guilt at moving our youngest mid GCSE course. My husband's elderly parents are also in this county. Having talked to the kids, the students ones are coming round to the idea of sharing a bedsit or living with relatives/other friends for term times. The in laws are very, very well off for support, friends and close family (next street) and my youngest is incredibly keen to go to coast for surfer life and cousins! Maybe my husband won't make retirement age, so this is our time to go? I just don't wantt to mess up him and the kids lives but if we don't take action very quickly, debt will accrue and we will lose this opportunity. Also, if we stay here, will we every be in the position to move again? My husband said he would prefer to say in the county for the short term (18 months) so kids can finish their courses but would like to end up that coast area. We have tried talking to our mortgage company to ask for a mortgage holiday so we have more time to find him a job and stay here, but they have refused and said only if we go through a debt service! But we are not in debt yet...but will be shortly...and then our credit listing will be affected and won't be able to move anywhere except rented....which is more expensive than our current mortgage. We are all talking and trying to be understanding, but we have not got the luxury of time or money here and my husband does rather like to 'wait and see' or use the head in the sand approach. Mostly though, I have to try to keep stress levels down as part of his health recovery plan. So you see, I feel that the buck rests with me and that is why I am flinging this massive life question out into cyber space. What would you do for your children, husband and self? Would you go fo it? I'm trying to save my household and I don't know what to do. Thanks for the thoughful answers.

Asked By: purple nurple - 1/22/2012
Best Answer - Chosen by Asker
Firstly, my commiserations on the situation - and then my congratulations on your timely and pragmatic response. It sounds as if you have given it a LOT of thought, but you know that really, this move to the coast - this 'early-retirement' for him is exactly the right course of action to take. Well-done, also, for... More
Answered By: Please punctuate properly, folks - 1/22/2012
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