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.
Muscle twitches are fairly common. They tend to be the result of muscle strain or fatigue. For example, twitching in the forearm commonly will occur in people who spend all day typing at a computer keyboard. The solution to this is to make sure to take frequent rest breaks from the repetitive forms of work. You may also benefit from some stretching exercises.