Jan Dunsmore Plantation, Florida Purchased in 2003 for $359,650 Current value: $250,000
"Every penny we earn is accounted for. We cook at home every night. We don't go out shopping for new things, unless an appliance breaks or a lightbulb goes out. We buy wholesale. Everything we do revolves around the house: maintenance, gardening, minor repairs.
"We have never been able to refinance because the costs have been so high."
Yahoo readers who owe more on their mortgage than their property is worth share their stories.