Barbara, I feel your pain. I too have unexpected bills this summer. It's been very hot here 32 C and our air conditioning unit doesn't work and our furnace needs to be replaced . This will be 5,000.00 to 6,000 ( canadian dollars of course). The bricks of our house have to be cleaned , another 1,400, the walkway replaced 1,100 and last but not least the roof over the verandah 550.00. I am depressed and financially wiped out. My husband says this is an investment for when we sell in 7 years. Meanwhile I will live on air and water !!!!!!! The cats get first dibs on the food!