I faced problems with kitchen appliances and heating several times, so I was happy that I had a home warranty. Moreover, you can choose a plan according to your needs and financial possibilities. In case you are looking for a good company, I can recommend addressing the liberty home guard customer service by link and finding out the details. I'm personally sure that investing in the home warranty is worth it.
If you can wait, using a credit card might be a good choice for you. I know that the Milestone Mastercard is for those people who want to improve their credit scores. You can check a review about it here https://milestone-mastercard.pissedconsumer.com/review.html But remember that it will take time, so if you need money asap, it is better to look for another option.
I had night shifts, so I understand you. It is essential to choose a proper meal plan in order to avoid weight gain, digestive problems, insomnia, and an increased risk for disease. I personally followed the advice from this source https://betterme.world/articles/12-hour-night-shift-meal-plan/ I had dinner a few hours before going to work. And when I felt hungry at night, I ate vegetables, legumes, nuts, and whole grains. Also, I drank lots of water.
I'm currently using a phone from cintex wireless (I read a review here and was surprised when I got an iPhone for free). Though this is a good device, its camera is not the same as a DSLR. Though I read that Xiaomi's founder has unveiled the Xiaomi 12S Ultra concept smartphone where a strong lens setup like a DSLR camera is seen attached to the device.
8K is a higher resolution than 4K, so in terms of technology, there's no doubt that 8K is better. But TVs capable of native 8K resolution are still relatively new, and therefore still very expensive. Here I agree that the choice depends on the sum of money you are ready to spend. I personally ended up buying a 4K TV and a FireStick 4K Max (this guide https://www.firesticktricks.com/firestick-4k-vs-fire-tv-cube.html helped me make the choice). I finally cut the cord and can watch movies in high quality. No regrets.
It's not easy to be a good cinematographer, but of course, it is possible, especially if you really want it. According to a recent report I read, the hardest task of a cinematographer is to understand what visuals excite the director and to be able to make recommendations about what shots to capture. I guess the best way to achieve your goal is to look for a good course.