No matter how much money a person makes, it never seems to be enough. I guess the more people earn, the more they spend. Or the general hike in prices could be the problem is. Whatever the reason, working people, the unemployed and the retired, all seem to have money problems these days. The family needs food, clothing and a home. With the home comes maintenance and the need for electricity and climate control. It can very frightening to face the loss of vital utilities, when there is no money to pay the bills.
Most homes nowadays are equipped with some from of HVAC. Especially in extreme climates, temperature control can be as important as food. Whichever HVAC product you may choose, it assures your family that you will not all freeze in the dead of winter. Of course, there is the need for adequate maintenance of you HVAC unit, to ensure that it keeps working right. In addition to frequent filter replacements, be sure to have you HVAC company send out a technician at least one per year, to have your temperature control equipment thoroughly inspected and serviced.
During winter, using the furnace of your HVAC is likely to make your utility bill much higher than usual. That is something you need to plan and budget for carefully. It it more important to keep warm than to waste money on expensive gifts and festivities.