Sorry to hear you’ve fallen on hard times. Hopefully your area can score a cool summer and mild snowless winter. I find those heating bills in winter quickly surpass the costs of AC bills in summer.
We had a few windows cracked part way last night and still dropped below 70 in our 2nd story bedrooms. Our house can be very hot during heat events. Mid to upper 80s even with portable AC running. I’ve never found it hard to sleep in the heat so it doesn’t really bother me.