Get a loan from your friendly credit union on better terms. It requires having a clue though, and being able to organize contractors, and / or do things yourself.

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ghaff 4 days ago | parent [-]

Sounds exhausting. My electrical bill is about $100/month. Doesn't sound like it's worth a major project to decrease. Your mileage may differ of course.

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nine_k 3 days ago | parent | next [-]

Mine was north of $500 last month :( It starts looking like a battery + a DIY PV array installation just to power the air conditioning alone would pay for itself in one summer.

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ghaff 3 days ago | parent [-]

Of course, it depends where you live. I don't even have AC and don't have electric heat in the winter. So aside from, possibly, new construction, spending a lot of effort/money on PV/batteries/etc. doesn't make a lot of sense.

	▲	anabelluis423 3 days ago \| parent [-]
		[dead]

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dzhiurgis 3 days ago | parent | prev [-]

It will be $200 in few years. Could be 0.

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ghaff 3 days ago | parent [-]

It will absolutely not be zero once you consider costs, effort, future obligations, etc. But, by all means, do what makes sense for you.

	▲	dzhiurgis 3 days ago \| parent [-]
		It can be if you over-provision, but I agree, 0 isn’t the sweet spot, especially if you have bad credit.