Hi Monie,
You sound like me of the past. I had plenty of money, but never was able to pay things ontime. Then I got an online account with my bank....Bank of America and set up automatic payments for all my major bills.
Now, everything is paid on time and I don't have to even think about it.

Ask your bank to help you out setting that up. When you do, it will make life alot easier for you and in time, it willl do wonders for your credit score as well.

Best of luck to you.....
Amanda

If the property is not moving at all, it is probably not priced right. I would guess you have priced it where you need to be to get out of it, however the market doesn't care what you paid. They'll pay what its worth to them. Its been a declining market since last year. Its not clear whether you want to stay - If you do, there is a high probability the bank will work with you to modify your loan if you qualify.
If you don't want to stay you need to price the property to where it will sell. That means coming out of pocket (which does not sound like a possibilty), or a short sale.
It almost sounds like you can afford the house and just dont budget properly. Then you just need to get your finances in order to make the payments on time. If you can't get that done, a call to the lender is in order. Talk to them - they are more willing then ever before to work with you.

Have a chat with your agent about what is currently selling and at what price.....then adjust your price 10%-15% below whatever that base line is....A short sale is another option but you would have to prove hardship and hope the lender agrees.