COVID sent our personal finances into a tailspin I still haven’t recovered from. To be fair, before the pandemic I was living paycheck to paycheck, despite the fact that I still had a few hundred bucks saved up for an emergency fund. Once our offices were shut down, I had to scramble to cover our bills. My income dropped in a large way, in addition to the only option I had was to cut our spending in a large way. No more going out to eat, no more automobile insurance, no more luxury items – I was flat broke. When our house Heating in addition to Air Conditioning method stopped working, I simply did not have the money to call someone to maintenance it. Since it would cost over a hundred dollars just to get an Heating in addition to Air Conditioning tech out to look at the system, I couldn’t afford it, and yes I could afford a single hundred dollars, but that just covered the visit, not any parts or labor. Why spend the money to inspect the Heating in addition to Air Conditioning method if I didn’t also have the money to maintenance it? Instead I took that hundred dollars in addition to obtained a nice space furnace at Walmart, which wasn’t good but got me through the Winter time okay. I am waiting to see what our tax refund will be prefer this year, if I even get a single at all, before I decide what to do about the air conditioning system. For many hundred bucks I can get a portable air conditioning system that is good enough to cool down a single room at a time, so if I don’t get any money back that will be our only option.