We rely on our home’s heating and cooling systems more than we realize. We tend to take them to for granted, until an issue arises and causes our HVAC system to suffer a breakdown, sending our home into temperature extremes and sending us into a panic! Having your home at an extreme temperature can be bad for your mood, your health, and your finances. Food, medications, and even your pipes must be within certain temperature ranges in order to not be destroyed.

In a perfect world, whenever we had problems and needed our HVAC repaired or replaced we would have room in our budget for it. Unfortunately, many homeowners and families are living pay check to pay check, with very little, if anything, in savings. The need for a new heating system or air conditioning would put them way over the edge and be completely unaffordable.