Write down three major life changes – stuff like moving, losing a job, getting a divorce, etc.  Whatever three come to mind for you.  Now write down three complications to successfully making these three transitions – can’t get a buyer for the house, no jobs available in the character’s field, ex gets stalky.

Now start an outline for a book, because this will be too much plot to fit into a short story, most likely.  And going along with the three things theme, you could work in a list of actions your character takes to try to fix each of your complications, a list of three supports that help your character, a list of the reasons why the first three things came to be, a list of the outcomes for each of the three initial problems.

Personally, I’m already off on a mental tangent about how the house is haunted and that’s why no one will buy it, and the character’s old job field was a miserable drain on his energy and in his efforts to sell the house he does a bunch of remodeling on it and makes it gorgeous and becomes a professional home renovator and loves it, and decides to keep his now-beautiful house, and his stalky ex-wife gets attacked by the ghosts when she sneaks in through the basement one night and…see, this exercise will totally give you ideas!  So go do it.