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How is your insulation between your ceiling and the roof?
A radiant barrier helps but it's not going to be a match for fully functioning r22 batting or anything.
And you might want to consider replanting shade trees now that the old ones have been removed. Once it's the same height as your house it puts out as much equivalent cooling as a window air conditioner, and during the summer that's money in your bank.
And honestly, since you live in Texas and you're paying $285 a month for electricity, looking into some sort of solar might be well worth it.
If you have a larger property like my dad did down near Austin, you could probably do a ground mounted solar install and save a lot of money on the installation which is where with current rates the majority of the costs go to installing solar.
Its got some older fiberglass in the attic but it needs to be replaced as well since it is mildly compacted. Trees are in the plan too but that is waiting on the soil to recover a bit and the temps to drop off. Solar is a long term goal for cost and backup power but that may be a next house thing depending on how long we stay here.