Let me tell you a tale about electricity prices. 7 years ago I managed to get bitcoin mining working, back when it was far easier to mine (my GPU worked). However after testing it I realized that I wasn't generating more than the electricity I used, and in fact, because I had an NVidia GPU, my return was so sad that bitcoin prices would have to increase many times for there to be a profit. So I stopped.
Fast forward seven years... the tiny bit of bitcoin I mined during my test is now worth 720,000 times what it was worth when I mined it.
There is no guarantee that history will repeat itself, but I am back to mining and completely disregarding electricity costs as long as I can pay the electric bill. If anyone tells you history can't repeat itself in coin mining, remind them that there are only 3 million crypto-currency users, so far, on a planet with 7 billion people. Furthermore those 3 million coin users currently can use coin on an amazingly small percentage of their purchases compared to cash, and as that changes, crypto-currencies will appreciate in value. Then throw in that most coin gets harder to mine as time goes on, and most have limited supplies, and you can see that the next 7 years could be as wild as the last 7.
I wouldn't tell you to risk going broke from electricity costs, but if you have your finances even mildly under control, investing/gambling a little electricity might be the difference between your budget today and an early mega-wealthy retirement in 7 years. I sure wish that I could go back in time and tell myself this.
Of course, some of those same arguments can be used to suggest you are better off BUYING coin today, rather than mining at an electricity cost loss. I'm doing BOTH, because understanding mining allows me to understand each coin's economy, but fiat-cash lets me accumulate coin far faster than I can mine it.