In 2005, with our primary NY home mortgage free, we bought a vacation condo in Lake Worth, FL for 159,000-now, there are over 70 comparables for sale at 120,000.  Our mortgage is 680.59 a month-maintenance 451 a month.  We snowbird 3 months a year.  Retired at ages 74 & 79, we have some CD's, fixed annuities and IRA's totalling about 193,000-pension 825 a month and SS 1655 a month.  We try to be thrifty and have no other debts.  This past winter we drove back and forth to FL.  However, I feel we're using up too much of our retirement money.  We don't want to move to FL or rent the condo.  Should we try to refinance or sell?