Nancy, now is the time to act, the housing market is great in AZ right now. I am not sure how the housing is in your area. have a Realtor come and give you an estimate on what you can get. Remembering that life is for living not regretting. If this will make you happy maybe you can live on less, cut cost, decide what is important; things or happiness. You will be surprised at what you can live without to love what you do and where you live I think.