How do people pay their Heating and A/C professionals?

I have no idea how people afford to pay their Heating and A/C professionals. Right now, I am not going to be able to pay the Heating and A/C professional, and I have no idea when I am ever going to be able to pay the Heating and A/C professional. I guess care about I have already paid the Heating and A/C professional too much money already. I have already been experiencing a ton of problems with our Heating and A/C units, and I have had to fork out a lot of money to keep our Heating and A/C units running, however whenever I have a problem with our Heating and A/C units, I have already found that I have a few months of financial struggle afterward; No matter how much money I budget for Heating and A/C repairs, I cannot afford to keep our Heating and A/C units running respectfully. I just do not guess that I have a high enough income to be able to afford the Heating and A/C service. I guess that the Heating and A/C companies charge way too much money for their Heating and A/C repairs. I just can’t believe that the Heating and A/C company gets away with that. I wonder if it is because the people that manufacture the Heating and A/C units make them too expensive to take care of. I just don’t understand how people pay their Heating and A/C professionals. I have trouble paying even one Heating and A/C bill. It might be that they have better Heating and A/C units, or maybe they just make enough money that they never have to worry about their Heating and A/C units. However, no matter what I do to change it, I have consistently had trouble paying our Heating and A/C professional, and I don’t guess what to do. What are some tips that you guess that I should try to save money for Heating and A/C repairs?

Geothermal heat pump