I was in very much the same situation as you are in now. I couldn't keep up with the adjustable rate mortgage on my home. It was too much house and yard (and there was a pool, too!) for me to take care of alone.

I'm leasing a home now and have no doubt I did the right thing. This house is as much my "home" as the other place was - the only difference is that I can actually enjoy this place since I don't have the mountain of debt hanging over my head.

Home ownership has it's advantages but not always. My stress level has been greatly reduced.

Good luck to you Michelle - I think you're doing the right thing.