This year my home insurance more than doubled, my car insurance increased by 65%, my HOA does went from $241 per month to $361, and my house had to be re-piped to the tune of almost $11,000. I'm still working but only about 20 to 25 hours a week and as I deal with my husband's health issues, I desperately need to get my hours lower, but how can I ever afford to do that? I can't afford to live much longer.