Seems like you are located in the south. Each 350w solar panel will offset around $4 per month of your power bill under ideal conditions (all available solar energy is captured). 4 panels = $16/mo savings or $192/year. If you only spend $1000 on the system (unlikely) then it's at least 5 years until break even. I don't think it's worth it. Concentrate on improving your financial situation by working on attaining a higher paying job so that $150/mo power bills become affordable to you.As for saving energy, I can only save so much as it gets to be over 100F/37C here for about four months non-stop and there are others who live with me who cannot get too hot or they will get sick. I struggle to keep the ac at 82F/27C during this time inside and it still goes over the threshold.