This is so true. When we sold the house in the UK I kept the insurance/endowment policy going which would pay the mortgage at the end of the contract. She said no but I still did it as what was literally 100 GBP per month. That paid our recently and was told we made a great decision lol. I wish they did get involved in the money matters and paid attention. Shopping I have virtually taken over due to knowing all the prices and it is rather significant these days. I hope you come right with the electricity as I was reading about the sabotaged pipeline today. Definitely sucks knowing you could have had 20% more left over which could help cover any increases.