Bob doesn't answer any of the messages posted here.
My advice, for what it's worth is as follows: If you haven't already, contact your local Consumer Credit Bureau. They can help you fix your credit by arranging repayment plans for bills, arranging reductions in some bills, and helping you to reduce your credit load. They're also free.
Also, determine the most important improvement your house needs and save toward that goal. Put the money aside and don't spend it unless it's an emergency.
You might appeal to your church or the Elks or something with help for some projects -- you should expect to pay for all supplies.
Whether work (like heating and air) is done by professionals or is done by you, compare your costs and purchase good products at the most affordable price.