must be an allergic reaction to something you've brushed up against. I get a reaction to Juniper of any kind. If I touch it I will get tiny bumps that burn.
You're financial plans are smart - well played. As for the heat -- are you able to put window fans to move air and bring in the cool evening air for better sleeping conditions? We have central air conditioning in our house - but I won't use it unless it is miserably hot because I don't want to pay for the electricity to run it! So I use strategically placed fans at doors and in windows to bring in cooler air and blow out hotter air.
As for the snowy pic - you do look wonderful, and its obvious you having a great time.
1. Love ME no matter what noises are screaming at me, or who is trying to tear me down.
2. Eat to heal
3. Move to live
4. Embrace today
5. Live with intention
6. Respect my body
7. Cultivate joy
8. Find my passion
9. Meditate on peace in my soul