i am just in awe at how anyone can pay that ! i guess i'm really lucky, live a simple life. built a 2000 sq ft home 10yrs ago myself for cash, my brother and i did everything but the concrete and roof. it's all elect. except the stove. but i do heat mostly with a wood burning stove if it stays cold for 2 or 3 days....i'm 125 miles north of ATL in the mountains and 20 miles from the NC. / TENN lines so yes we do get cold but not as cold a y'all in NY. it's beyond me how yall afford a house note, car note and those elect. bills. i'm 56, retired aircraft mechanic and luckily owe no one a dime. i'll have nightmares tonight thinking of a $1100 elect. bill