My husband and I have been having a really hard time with money lately. All of our kids are in college and we want to help them out as much as we can. Currently, we are paying for all four of our kids to go to school and it is very expensive. My husband and I both have student loans and we didn’t want our kids to have to deal with them so we are trying our best to make things work. However, we are really low on money these days. Last week, the worst thing that I could think of happened. We were making dinner when I noticed that our house was very warm. My husband went over to the thermostat and noticed that it was black. I had a terrible feeling in my gut that our HVAC system was on the fritz. We decided to call a local HVAC company to come over and check out our HVAC system. I knew that they were going to say we needed a whole new HVAC system and unfortunately I was right. They said we would have to replace the entire HVAC system before the winter came. My husband and I are looking to get a new HVAC system but we had no idea how expensive they were. I really just want to help my kids out, but I don’t think we can afford to anymore. I think we are going to have to use some of their tuition money to have the HVAC system fixed.