Three years ago -- fresh out of grad school, with new jobs and lots of optimism -- my husband and I bought a beautiful house that we love. Trouble is, we spent too much money. Now, our mortgage consumes nearly all of our monthly income, leaving us very little to save for retirement, our kids' college funds or do the things we love such as traveling. The question, then, is: Should we cut our losses, try to sell and buy something cheaper? Julia, St. Paul, MN