Disneysteve's Common Cents Blog

We got back from D.C. yesterday. We had a very nice trip and saw lots of interesting stuff. It seems that no matter how many times you go to Washington, there is always something new and different to be seen or done.

Stuff we did that I've never done before:

Air and Space Museum at Dulles airport
Holocaust Museum
Freer Gallery (don't think I've been there)
Spy Museum

We also went to some places that have been renovated since our last visit or I hadn't been for many years, like the National Archives, the Museum of Natural History, the Bureau of Engraving and Printing, and Old Town Alexandria.

We found some great places to eat, both cheap casual things like the food court in the Ronald Reagan building just off the mall, and finer dining like a wonderful Italian place in Arlington called Cafe Italia. My daughter had her first taste of fresh homemade gnocchi and was in heaven. We'll see what she says the next time we make the packaged stuff at home.

We walked many, many miles. I'm sorry I didn't think to bring a pedometer. I'm sure we got our 10,000 steps in every day.

It was an all around great trip. Other than a few miscellaneous items (tolls, etc.) I figure the total cost for the trip was about $1,600. That was for 3 of us for 7 days/6 nights including everything. We splurged a little more than usual on food (and prices are on the high side in DC) but overall, I think the trip was very reasonable.

Today was my last day of work until 8/18. We are going to Washington, D.C. tomorrow for a week. We haven't been there for about 6 years. Our daughter doesn't really remember a whole lot about the last trip since she was only 6. We have tickets for the Holocaust Museum (DD and I have never been; DW was there once). We also have tickets for the Spy Museum and the interactive spy experience they have there. Other than that, we will make it up as we go along. We want to go to the Freer Gallery as DD is into both art and Asian culture, particularly Japanese, so we want to visit their collection.

I'll have the laptop so I'll still be checking in and reporting on our visit.

It's been a few weeks since I posted about the light at the end of the HEL tunnel. At that time, my balance was $8,419.51. I thought I would start posting regular updates as I work toward paying it off by year's end.

As of today, the balance is $6,903.59, so I've repaid $1,515.92 in the past month.

Quick recap - I'm a physician and get to do various online surveys that pay quite well. These are not available to the general public. I also do some regular surveys like PineCone and AOL Opinion Place.

For July, I earned $723.75 doing surveys which was very good. I'm expecting that August will be somewhat lower because I've actually slacked off a bit and neglected to do all of the ones I've been invited to do recently. Really no excuse as I've got plenty of time. Instead of chatting on the boards, I could be doing more of the surveys, but sometimes I just get burned out doing them.

As I've mentioned, I am currently making extra principal payments on our home equity loan. I originally anticipated paying it off by the end of 2009.

I saw last night, though, that the balance is down to $8,419.51. If the second half of the year works out about the same as the first half, at least $7,900 would go toward the loan. And I know how my mind works. Once I get close to being paid off, I'm not going to mess around with little payments. When it is down to a couple thousand, I'll just make one final payment and be done with it. So it looks like the loan will actually be gone by the end of 2008, not 2009!

Our scheduled payment is $218.01/month, so our disposable income will jump by that amount once the loan is gone. Of course, most of that will be directed into additional savings, but some, perhaps up to $50/mo, will likely go toward some new treat. When I paid off one loan, I hired someone to mow the lawn ($54/mo). When I paid off another, we got cable TV (limited basic for $11/mo). I don't really have anything in mind for a portion of this money but I'm sure we'll figure it out.

It is just nice to see that the end is near. Once the HEL is gone, we will have nothing left but our primary mortgage. That's where most of the $218 will go. An extra $150 or so per month toward that will ensure that it is paid off well before retirement.

In case anyone was wondering, I am still working on attacking clutter. It slowed down a bit but I'm still doing something every day.

The past few days, I moved to some less obvious clutter - in the filing drawers. I've cleaned out numerous folders and gotten rid of lots of unneeded papers. For example, I have a file of all my professional licenses and certifications. There is no reason why I need to have anything but the current licenses, but the file held everything going back 10 years - to the shredder. So stuff like that has been getting thinned out.

Although this doesn't make the house look less cluttered, it does help in a couple of ways. First, it makes it easier to find something when I need it because there isn't as much junk to sort through. Second, it creates more available space in the files so that I can add files to store and organize other things that currently are out in the open.

So I'll keep at it. How is everyone else doing?

For the newbies, I'm a family practice physician. I have the opportunity to do various online surveys (and occasionally in person or telephone surveys). These are for physicians only and can be quite long, involved and tedious, though some are fairly simple. They generally pay quite well, though.

For the month of June 2008, I collected payments totaling $760.50, a great month!

I also did surveys that will pay me another $675 in the coming weeks. There is usually a lag of 2-4 weeks between when the survey is done and when I get paid, so it looks like July will be another very good month.

I realized I haven't posted for a few days. I'm still doing the decluttering thing, though I have slacked off a bit. The beginning of the week is my long days at work, so not so much time (or energy) for anything else.

I've gotten a few things out of my closet. I cleared a bunch of stuff off of my desk at work. I went through the container where I keep magazines, saved articles, and other assorted stuff and got rid of a lot of that. And some other scattered cleaning here and there. Not as focused as it had been - more here and there kind of work whenever I see something that I can take care of.

Now that it is Thursday, I should get back to some more focused cleaning as I have more time free from now through Sunday, so I'll report back in a few days.

I've heard a lot about Craigslist. I have a co-worker who is addicted and has bought and sold lots of stuff on there. But until now, I had never used it to buy or sell.

My daughter outgrew her bike last year and I've been promising to get her a "new" one ever since. All winter I told her that when spring came, we'd hit the yard sales and find a bike for her. Well, spring came and went and it is now the end of June and still no bike. I refused to pay $200 or more for a new one just on principle.

Last night, something made me think of Craigslist. I went to the site and they actually have a bike category. I clicked and checked the listings and someone right on the border of my town had listed 2 girls bikes just yesterday. The photos looked nice (as much as you can tell about a bike in a photo) so I e-mailed and asked what size they were since she hadn't mentioned that. I got a message this morning that they were 26", which is what I needed. I wrote back and told her I'd like to come see them and could probably do it after work tomorrow. Then, I ended up getting out early tonight so I called her and asked if I could come tonight. She said fine and gave me directions. I went there from the office and checked out the bike. It wasn't perfect but had no significant issues. Her father actually fixed a couple of things while I was there because I wanted to make sure they were easily fixable. Once I was satisfied, I gave her $50 and was on my way. I surprised my daughter with it when I got home and we went out for a ride.

It needs a little work - brake pads, lube, etc. I also told her I'd put on a better seat. But it works fine and is just what she needs.

So if you are ever looking to buy or sell anything, check out craigslist. It is a great service.

Nope, I didn't take a break on the weekend. In fact, since I was home, I did a lot more.

Saturday is typically our cleaning day around here. I went through the remaining pile of stuff next to my bed. I took the load of recyclables I had accumulated in the computer room down to the bin in the garage. I went back into the basement and did some further work around the same area as the day before.

My daughter was cleaning in her room because a friend was coming over. I helped her go through a stack of old books in her closet, almost all of which went in the garage for a yard sale or donation. I pulled out a couple that will get sold online.

Finally, I got outside and pruned some bushes/weeds filling up 3 trash cans of branches in the process. Decluttering isn't limited to inside the house.

Today, Sunday, I did some more work on the floor in the computer room. There was a bag of kids books that I don't even know how long they've been there. I realized that my cousin had given them to us. They used to be her daughter's and she thought my daughter could use them. I went through the whole bag and all but a couple ended up in that stack from yesterday to sell or give away.

I cleaned up some other stuff in the same area on the computer room floor, enough that I was able to consolidate other stuff and actually expand the usable floor space by a couple of feet which was nice.

I think that is the major stuff, though there were probably a few other little things along the way.

Ok, maybe posting is keeping me motivated, too.

I've realized there are two basic types of decluttering.

1. Recurrent: Things that keep re-accumulating like mail, laundry, papers to be shredded, etc.

2. One-time: Things that once eliminated or put away pretty much stay that way.

I worked on a little of both today. I went through the mail pile on the kitchen table and got some in the recycling bin and some filed away.

I then found myself in... (cue ominous music)... the basement. I took a few things down to put them away and decided to stay and take care of a little clutter down there. I worked on the area near the bottom of the stairs. I found a few things that went to the garage in a yard sale box, 2 outgrown coats that went in the give-away pile, some papers for recycling, some paper and plastic supermarket bags that got put where they belong and some old cans of paint that will go out in the trash next week (all latex - safe to throw out). I swept the floor in the area and consolidated/organized the stuff that was staying there. It looks much nicer now when you walk down the stairs.

My last thing came after my nightly walk. Rather than going right into the house, I grabbed my pruning clippers and a trash can and cut back the branches growing from the base of the tree in front of the house. I do that once or twice a year and it was past time to be done.

By the way, my daughter has been having a great time playing Rush Hour (that I unearthed a few nights ago).

I actually wasn't going to post again about decluttering yet, but since some others are finding it motivating, I'm happy to help out.

Nothing exciting to report from Wednesday. Just sorted through some more papers on the bookcase.

Oh, we did get our new RecycleBank container for our township recycling program. I posted about that not long ago. With the new program, your recyclables get weighed each week and you earn credits that can be redeemed for gift cards and discounts at a bunch of local merchants. Our first pickup isn't until July 3 but I've been saving up our recyclables in anticipation and yesterday after work, I loaded up the new bin, so that counts as decluttering since a bunch of stuff was scattered around in the garage.

Today, after work, I discovered that my wife had done some decluttering of her own. There was a pile of assorted stuff on the floor in our bedroom in front of the cabinet where we keep all our wrapping paper, ribbon, gifts bags and such. She got rid of most of the pile. So I made that area my focus tonight and went through the remaining part of the pile that was mostly my stuff.

I also straightened up all my sheet music by my piano.

How's everyone else doing?

I've been staying pretty motivated, but posting here can only help, so I'll keep updating periodically.

Last night (Tuesday), I did some more work on the bookcase in the computer room/office. I worked on the bottom shelf. That was a bit more of a challenge because much of what is on that shelf is items that are part of our Disney memorabilia collection: old brochures, commemorative guides and programs, vintage magazines and other assorted paper items. I was able to get a few things out of there, but most of the stuff are things I still want to keep.

However, I realize that decluttering doesn't just mean throwing things out. It also means organizing the things that you want to keep and finding an appropriate place for those things. I didn't get to that point last night, but now that I've gone through that pile and removed the items I don't need, I will box up the stuff I do want and get it out of that room, probably into the attic, garage or basement. Even though I want the stuff, there is no reason it needs to be taking up space in that room since it isn't stuff we need quick access to.

Finally, on the bottom of the one pile (it is a large, deep shelf) I found Rush Hour. http://www.puzzles.com/products/rushhour.htm That is a puzzle game that has been missing for a couple of years now. My daughter and I both love to play it. In fact, my wife had bought me a new set of puzzle cards for my birthday a while back but I could never use them because we couldn't find the game. See what happens when you clean.

The one thing I'm hoping is that my decluttering motivation will start rubbing off on the rest of the family. I don't have much hope for my daughter but I think my wife is starting to think about it. In the course of cleaning, I've come across a few things that were hers and got her to sort through them. Pretty much everything I've given her has gotten thrown away/recycled, so I think she is also realizing how much useless stuff we have taking up space. She was off yesterday and mentioned last night that she did some cleaning in our bedroom closet. Every little bit helps.

The night before last, I sorted through the bookcase shelf that holds all our travel guides and maps. I ended up with a nice big pile to recycle.

There were several guidebooks that were way out of date for places that we won't be returning to anytime soon. If we do, we'll just get new guidebooks (the free kind from the tourism boards).

There were guidebooks for places we go regularly, but we had the 2007, 2006, 2005 and 2004 editions. I discarded all but the current ones.

Then last night, I went through a pile of papers on another shelf. I found 3 more travel guides, 2 of which were duplicates of ones I had dealt with the previous night.

Also in that pile were numerous magazines that were saved because I had articles published in them. I didn't toss them, because I still want them around, but I did decide that I no longer need to keep several copies of each, so those are out of here, too.

I'm going to keep chipping away at all the clutter. It is very stress-relieving to clean and organize and declutter. You should all give it a try.

I must confess - our house is a mess. Plain and simple. We just are lousy at keeping things neat and organized. I occasionally get upset with our daughter for having stuff strewn all over, and then my wife points out that we haven't set much of an example for her to follow.

I'm a piler. Every flat surface tends to have a stack of papers, magazines, books, whatever, whether it is my desk, the computer desk, the dresser in the hall, the kitchen table, the floor, the closet, etc.

About 4 or 5 weeks ago, I once again realized my dresser was covered with assorted crap. I came up with an idea. I committed to taking care of at least one item per day on the dresser that didn’t belong there. That might have meant throwing out a receipt I didn’t need, putting something back where it actually belonged, filing a paper that I had left out, putting loose change into my change bank, or whatever else needed to be done. I stuck with it, most days doing multiple items, not just one, though some days I did do only one thing. After about a week, I had cleared off a pretty decent section and what was left was stuff that pretty much belonged there. I’m glad to say that I have continued to keep the dresser cleared off since then.

Once the dresser was cleared, I moved on to my desk, home to a couple of ever-present piles of assorted papers and a vast assortment of other junk. Over several days, I got one pile down to nothing except items that are part of a project I am currently working on. The other pile was cut in half, though there is still work to be done with what remains.

Then I started branching out tackling the “to be shredded” pile in a few shredding sessions, papers piled under the desk and on the computer scanner and a few other places. The past few days I started attacking the large bookcase in the computer room. Just before posting this, for example, I cleaned off the Travel shelf, tossing outdated guidebooks, maps and other items that we no longer needed, putting them all in the recycling bin.

Little by little, my efforts are starting to show. There is noticeably more floor space and desk space in the computer room. The kitchen table pile isn’t gone, but now holds just current items. The bookcase has started looking much neater (at least on the 3 shelves I have worked on so far).

Is any of this financial? Kind of. One thing that invariably happens when we clean is we find things we had forgotten we had. Knowing we have them and where to find them helps prevent us from buying duplicate replacement items at a later date. For example, there is now a neat stack of spiral notebooks on the bookcase and another stack of 3-ring binders. When it is time to shop for school supplies for next year, that supply will get checked first before heading to Target or Wal-Mart.

Reducing clutter is also a psychological thing. I just feel better looking around and seeing what I’ve accomplished so far. I still see plenty left to do, but seeing what is already done helps motivate me to keep at it. And taking it in little steps of one item per day helped keep it a manageable goal, rather than being overwhelmed by the big picture.

I just transferred the final $330 to DW's Roth. That maxes hers at $5,000 and I maxed mine a few weeks ago with the tax stimulus check, so we are done for 2008!

The "extra" savings for the remainder of the year will go toward prepaying our home equity loan. The balance is about $10,000 and I plan to have it repaid by the end of 2009.

The medical speaking engagement I was supposed to have on 6/18 has been cancelled. The sales rep was in this morning. She said they just got back from their annual meeting and the company is discontinuing those types of programs so she had to cancel my upcoming lecture.

I'm bummed as I would have earned $625 for that presentation.

Recap for the newbies - I'm a physician and get to do various online surveys for doctors only. These are not surveys available to the general public. They pay very well and can sometimes be technically difficult to complete.

After a very slow month in April, my survey income rebounded very nicely in May. I collected a total of $680. And that doesn't include a few dollars in AOL Opinion Place surveys.

More months like May would be very nice.

We met with the caterer for our daughter's Bat Mitzvah last night. Along with finalizing the menu and decorating details, we also had to make a partial payment of $5,300. I knew it was coming. We had the money saved. But I still hate writing checks for big numbers like that.

We're really happy with how the menu planning went. It all sounds delicious and we're looking forward to attending the party. We've been to so many affairs where the food was tolerable at best. We've even been to some where we left the reception and headed straight to a restaurant because we were so hungry. That won't be happening after this affair.

Now if only we could disown some family members and whittle down the guest list by 10 or 20 or 30 people. Oh well. Can't have everything.

I haven't written an entry for a couple of weeks. Nothing particular to report on until now, so here's an update.

I just transferred another $445 to my wife's Roth. Mine got maxed at $5,000 with the money from the tax stimulus. After today's transfer, I need to send in another $1,085 to max hers. I'll do that in the next couple of weeks.

Our daughter's Bat Mitzvah is 4 months away, September 27th. We are meeting with the caterer on Wednesday to go over the menu, table linens, and other details. We will be making an installment payment to him of $5,300 also. That represents approximately 50% of the total bill. At that meeting, I'll get the suggested bar list so that we can start shopping for the alcohol needed. We will be saving hundreds by providing the alcohol ourselves instead of paying them to provide it.

We spent the day in Atlantic City yesterday. The 3 of us plus my mother went down. We had a nice lunch together and then my wife and I went to Caesar's to play for a couple of hours. Also, I had a $25 cash comp to collect. I ended up losing $50 at blackjack which left me down $25 counting the money they gave me for coming in. My wife lost about $46 and got a $5 comp for parking, so $41 for her.

After lunch, we did some shopping at the outlets. We picked up some nice stuff at the Disney outlet on clearance - a couple of Mickey vases $3.99 (one to keep, one for a pollyanna present for our collector's club), an Eeyore wall-hanging $3.50, and a couple of very nice stained-glass hangings $2.50.

I guess that's all for the moment.

A while back, I got an e-mail from the New Hampshire tourism dept. to do an online survey. We vacationed in NH last summer which is how they got my name. I filled out the survey and thought that was the end of things.

A couple of days ago, I get a letter from them inviting me to join the NH Travel Advisory Panel. I would have to complete a series of 4 online surveys over the next year. For each survey, I'll get a gift card from one of several companies of my choice. Plus I'll get an extra $10 for registering for the panel by 5/23. All together, it will be $65 for the 4 surveys and sign-up bonus.

I just registered, which took about 5 seconds, and I'll get $10 for doing that. The first survey is in June, then September, December and March. Pretty simple way to pick up an extra $65. BTW, I chose Amazon for my gift cards.

The past week especially we've been making a serious effort at trimming the grocery bill. That means shopping the sales, clipping coupons, comparison shopping and visiting multiple stores to get the best deals (within reason given gas prices).

Some success stories so far:
Shop Rite had OJ on sale for $1.88 (normal brand is nearly $4.00 regularly and maybe $2.50 on sale; store brand is usually $2.29). So I bought 4 (that was max allowed) and froze them.

Shop Rite had pasta on sale $.74/pound box. Bought 5 boxes.

Genuardi's had bread on sale 1/2 price. That saved $1.75/loaf. Bought 2 loaves and froze one.

Genuardi's had store-brand frozen meals that I sometimes take for lunch on sale 5 for $10. Bought 5.

Shop Rite this week has strawberries 2 packs for $2.50 (usually $5.00). Also had a coupon for $10 off a $50 order so used that. Also a couple of other good sale items that I can't think of at the moment plus used other coupons.

All together, probably saved $20 or $30 since Friday between coupons and sales on stuff we'd be buying anyway.

We got our $1,500 tax stimulus deposit on Friday. I just transferred $1,345 to my Roth. That was how much was needed to max it to $5,000, so I'm done with that account for the year. The remaining $155 went into my wife's Roth. That brought her total to $3,470. Another $1,530 and we'll be set for 2008.

I took the day off today and my wife and I went to Atlantic City. We enjoy going and don't get to do it as often as we'd like. Typically, we go on a weekend day when the place is much more crowded so it was very nice to be there on a weekday.

We parked at Caesar's, as usual. I had a coupon to redeem for a free buffet at Bally's so we walked over there to redeem it. Unfortunately, they told me the promotion had ended and they couldn't honor the coupon (I have had it for a while).

My wife signed up for her own Total Rewards card (she's been playing on my account until now). Now when the casinos have special promotions and give-aways, we'll both get them instead of just me. Today, for example, they were giving away a pair of cubic zirconia earrings to card members and randomly placed among the cz earrings were 200 pairs of real diamond earrings. We didn't get the diamonds but the cz ones are nice.

We played for a while - me at blackjack and her at slots. I left the table up $5. We decided to have lunch at Wild West at the buffet. I used $20 of comp credit and paid for the balance. Lunch was very good. They have a nice buffet with plenty of choices and good food.

After lunch, we walked around The Pier shopping mall for a little while, bought some fudge for our daughter and then headed back to the casino. We played for another 45 minutes. I ended up down $4.50 for the day. I'm happy any time I walk out with close to what I came with. I had fun. I got comped for parking ($5.00) and earned credit toward more comps (like the $20 I got today for lunch).

All in all a nice day. Hope everyone has a nice weekend.

I just transferred $675 to my wife's Roth. That brings our total for 2008 to $6,970. Only $3,030 to go. Our tax stimulus check is due to be direct deposited tomorrow. That is $1,500 and I'll transfer that to the Roths leaving $1,530 to max them for the year.

Now that I'm back and settled from the weekend, I tallied up what the whole deal cost me.

Thursday, I flew to West Palm Beach, FL to attend my aunt's funeral on Friday. Friday night I flew home and drove to Princeton, NJ to attend our good friends' son's Bar Mitzvah on Saturday and Sunday. Of course, the Bar Mitzvah trip was planned but the funeral trip was not.

Not counting gas for the car or any new clothes, we spent about $1,015 in 4 days. $735 was for the funeral and the rest was for the Bar Mitzvah. And I'm not even counting lost income from taking the day off on Friday. If I add in everything, it would be over $1,500.

I'm not complaining at all as I'm very, very glad I was able to be at the funeral and we've been friends with the Bar Mitzvah family since high school (over 25 years now) and wouldn't have missed that affair for anything. It just illustrates how important savings and emergency funds are.

Recap for the newbies - I'm a physician and get to do various online surveys for doctors only. These are not surveys available to the general public. They pay very well and can sometimes be technically difficult to complete.

April was a REALLY slow month for survey income. I collected a total of $165. I don't know why it was so low. To compare, as of yesterday, May 5, I had already collected $195 for May with most of the month still to come. April was a good month for doing surveys. I did ones totaling $615, but there is always a lag between when the survey is done and when the payment gets sent. Some of that came in during April. Most will come in during May.

So an off month for collecting income, but a good month for generating income which should show up this month.

I left the house on Thursday and flew to Florida for a funeral. When I arrived back in Philadelphia, I drove straight to Princeton, NJ to attend a Bar Mitzvah (a 2-day affair), meeting my wife and daughter who were already there. Yesterday morning, as we were packing to return home, I realized that between the 3 of us, we had worn or packed 14 pairs of shoes!

Normally, I would blame my wife, but I was just as guilty. I had 4 pairs: my sneakers, my casual black walking shoes, black and brown dress shoes. I had 3 different suits with me, one needed brown shoes, the other needed black. I wore sneakers for traveling and the rest of the time and brought the casual black shoes in case we went out with friends before or after the affair.

I realized that many people in the world, and even here in the US, are lucky to have one pair of shoes to call their own. Here we were, 3 people with 14 pairs between us, and that's just what we had packed. We truly are a spoiled bunch. Even those of us who think of ourselves as fairly frugal live with such incredible excess when you really think about it.

What's my point? I'm not quite sure, but it just seems like we could all use a bit of simplification in our lives. It would benefit our finances. It would free up space in our homes. It would decrease the strain we each put on our planet's resources. And it would make packing for travel so much easier - LOL.

My aunt died this afternoon. She has been critically ill for a few weeks and on a ventilator in ICU for the past 2 weeks. There had been no sign of improvement and her condition started to deteriorate so the family made the decision to take her off the vent.

The funeral is Friday morning in Florida (I'm in NJ). I just finished making all the arrangements for my mother and I to fly down Thursday night. Unfortunately, we will need to fly back Friday evening because we have a Bar Mitzvah to attend Saturday morning here in NJ. So it will be a crazy few days running back and forth but I was always close to my aunt and her family. Her daughter and I are age peers and grew up spending a lot of time together. They lived a block away from me growing up so we were always over each other's homes.

Just another reason to keep an emergency fund.

Nothing financial about this post.

The 3 of us participated in the March of Dimes March for Babies today. It was a 5-mile walk done to raise money for the March of Dimes. Our daughter's class got involved after one of her teacher's had a miscarriage earlier in the school year.

Even though we are all in decent enough shape, a 5 mile walk still represented a fairly ambitious activity for us. We did do a couple of 2-3 mile hikes in New Hampshire last summer so I didn't really doubt that we could do it. It was just way outside of our normal activity level.

The walk began at 9:00am and we got back to the starting point just before 10:30am. We were a little achy, but enjoyed the sense of accomplishment and knew we had raised money for a good cause.

My wife and I keep saying we need to get into better shape, and we have been walking in the evenings although not as regularly as we could be and usually for less than 30 minutes. Having done this 90-minute walk today, I can definitely use that to push us to walk more regularly and for a little longer than we've been doing. Knowing that we did today's walk is pretty motivating (though we're waiting to see how we feel when we get up tomorrow - LOL).