Loan paperwork: As long as youâre still paying a loan (car, mortgage, student loan â the works), keep all your docs and contracts. When you pay off the loan, the lender will give you a payoff statement. Keep this forever, just in case some zombie debt comes back to haunt you.
There are several reasons people might twitch while trying to fall asleep. The most common kind of twitch is called a hypnic jerk. They happen on occassion, especially if a person is over-tired or sleep deprived.
Another theory suggests that as youâre drifting off to sleep, your brain misinterprets the relaxing of your muscles as a sign that youâre actually falling and signals your muscles to tense up, in order to protect you. More often than not, hypnic jerks are nothing to worry about. If one wakes you up, simply roll over and go back to sleep. But keep in mind: a high caffeine intake, strenuous evening activities, emotional stress, or sleep deprivation may increase the frequency and intensity of hypnic jerks.