I'm just fortunate that my pension covers a major part of my bills. This just happened to me yesterday afternoon. 3 weeks ago we took a home improvement loan through the credit union, we are having our pool totally gutted and resurfaced and retiled. So yesterday I get home from work at 4 settle in to watch the Terps game, nice and comfortable after a hot day at work, at the half, I tell the Mrs it feels warm in the hohot, I check the thermostat, its at 80, I drop the wtf bomb head outside to check the a/c unit.. It is screaming, the fan is not spinning and the unit is piping hot. The fan motor has fried. I swear it was the next project on my to do list. Not it is thrown to the front, I have to check if what I signed from the pool company is a binding contract, because I sure in the hell ain't going through a week down here without A/C.