"Downsize" in the Home You've Got:
 

What if your house is especially important to you, and you truly don't want to move (or can't)? You can still downsize - by raising more money "from within".

There are a number of ways to downsize your expenses while maintaining your present home (other than refinancing your mortgage - just one of the ideas I cover under "Divestment of Money-Sinks", below)...