Time to look at the positives...

Zelda and I still love each other

We might be able to keep this house for 3 months after the money runs out.

There are a few job leads in Architecture showing up here and there.

Our church will make a room for us to stay in should the worst case happen.

My sister and brother in law have offered to house and feed us.

My sister has been tracking down baby things for us.

Our church is collecting baby things for us.

Our church family has been very supportive of us.

We have the possibility of short selling the house (selling the house for less than we owe) and being forgiven on the taxable "gains" from such a sale. (yes, sell your house at a loss and the government see the difference owed as a taxable event. fortunately, they have given a forgiveness exception on this due to the numbers of people foreclosed upon).

Zelda and I did not buy more house than we could afford, this is not our fault.

We can avoid a foreclosure black eye by short selling or deed in lieu of foreclosure.

We will both be gainfully employed as soon as this banking crisis breaks as we both have desirable skills.

We have the rental to move back too, and it will take care of itself thru at least October of this year.

We don't have to make a lot of money to pay for the rental so Zelda will be able to stay home and care for our baby.

Zelda will be able to work from the house again when this breaks, allowing her to stay home with our child.

Zelda is a great cook!

She was able to get a forbearance on her student loans.

We have wonderful friends willing to come help us clean house and pack up to move...

We have wonderful church family.

We have wonderful family willing to take us in close by...

Consumer credit counciling will be able to help us pay off our consumer debt should we have to fall into selling the home.

With our regular jobs, we should be able to pay off any outstanding debt quickly.

We had savings in place to buy us a little time...

We have each other...