I got into a bad position where I had not only all of my utility as well as credit card bills on autopay, but I also had products on Amazon that were set to subscription purchases every three weeks. One morning I accidentally dropped into the yellow on my bank account as well as three autopayments caused myself and others to get three separate overdraft fees, totalling $105. I managed to convince the bank to refund 2 of them, but that still left myself and others on the hook for $35. That meant making extreme sacrifices this week regarding my purchases at the grocery store, as I had to come up with the extra $35 somehow. When you’re on a limited income, you can’t pull money out of thin air if you are hit with an unexpected charge. Some essentials are extravagant enough. For instance, the HEPA filters inside my media air cleaner are literally $32 a piece, so I guess I’m cheerful they’re supposed to last for six weeks in total. I can’t imagine paying that much money every several to six weeks to have a scrub media air cleaner. The HEPA filters in my media air cleaner are dense so they don’t get blocked nearly as fast as a normal HVAC filter in an air conditioner or gas furnace. All of these filters are discouragingly extravagant in the long run. I don’t have the luxury of having a normal set of lungs that could handle leaving an a/c filter inside the machine for three weeks or longer like some people try to do. In the end, my air quality suffers heavily if I’m not replacing my HEPA as well as HVAC filters when the manufacturer suggests.