It's going to take a lot of time for me to save for a new air conditioner

I’m on a fairly limited income right now.

My job got caught back on hours over the past couple of months and I’ve had a lot of expenses with my medical problems.

Every time I go to the doctor I have to pay a copay. Originally my copay was only $25. This was with my old insurance plan and I preferred the options I was given back then compared to now. Because now I have a different insurance plan and my co-pays with my doctors are twice as much money. It’s frustrating having to pay $50 every time I want to see the doctor. Since I’ve had to go to three different doctors this month, that’s $150 just for doctor visits. And that’s after insurance has already paid their portion. I have no idea what I’m going to do financially over the next two years. My health makes it really hard for me to work more than I already do, and I’m not eligible for any kind of disability benefits. Right now I need to save for a new air conditioner for my house. My HVAC system is falling apart since it’s already 16 years old at this point. Sometimes you can get an air conditioning system lasting well into 20 years but this one is not an example of that. I am definitely going to need to replace it in the next two years but I don’t know how to do it. I could try saving, but I need every last dollar I make right now to go towards my current expenses.



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