I'm sorry that the increase in fuel costs is overwhelming you. I hope you can be easier on yourself about things we can't change.

Did you happen to see any of Oprah's debt challenge/programs?

I can't do anything about my electric bill. I need the a/c, and I need it colder than most (due to neuropathy.)

I'm sorry your efforts and budgeting seem to be conflicting with what's happening! GRRRRR.