Ah, utilities are very high.
In the winter, utilities and rent often total $900. My utilities are in my landlord's name. This month, I owe him about $900. My gas, water & sewer, internet are all in my landlord's name. Average electric is about $200, and in the winter, heat can cost $400.
Water is $70; garbage and sewer about the same. Electric and gas, etc. Cell phone about $50 a month.
The rest goes to debt repayment.
Oh my C.! You have been open and shared so much personally. You cool one room and your electric is $200/mo. and you set your temp at 55 during the colder months and pay $400? Something is not right. You must be freezing during the winter. I would scrutinize those utility bills. Is your landlord a friend of yours? I agree with CQ. You must change it up as the situation you are in is not working. A room would be cheaper! I know it's easy for me to say but get out of that house! Good luck to you.