For me even just a fan helps. I keep a fan right next to bed point at me and sleep naked lol. We have AC but try not to use it much because of the cost of running it. I bring the fan and plug it in where ever I am in our house and just have it almost contstantly point at my face. It actually helps a lot.
The thing is, money is an issue.
Hmm maybe invest in a cooling system like a expensive fan that you can regulate temperature I bought one for $80 at target I think it's worth it for you because when baby doesn't come you'll need to have your house at a safe temperature any way and you don't want to over heat your body and end up passing out...!