Hello shell back, I am sorry you both are having trouble to make ends meet. I am having the same problem. I can't afford to live in a paid for home. I don't get enough to pay all utilities, and my taxes. I am in danger of loosing this home and I cut back as much as humanily possible. I live in Fla. Do I not service my airconditioner and risk it for another summer? It is money issues like that. The extras always happen with a house. I really feel for all of us in a lower standard of life due to health. ginnie