I realize you have overspent horribly over the years and are now paying the price for that. I'll keep a lookout for things you could do to reduce your spending. I discovered one yesterday. My new desk chair had a tag that aid it complied with the regulations of the California Home Furnishings Agency. I would bet you could get by just fine without that agency. Other states do. I would have provided this advice through your web site but you don't enable communication on the site so I'm posting it here in the hopes that someone will find it.
If I discover anything else, I'll post it here. If I were a California resident, I could probably find thousands of them but it's harder for people in other states to know the details of what is going on there.