What ATTROL says is right. Yes you can lessen the price considerably, but that's would be at a cost - not a monetary cost; rather a comfort cost. Most who think the can afford that cost cannot.
As for the other costs, I'm lucky there, I hate bills and everything I purchase, including my house I do so with a plan to pay it off quicker than the normal plan. Most people suffering financially put themselves in that situation and didn't know it until problems surfaced. Take a real hard look at your bills and come up with a plan.