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 spasms, cramps or twitches are involuntary and sometimes painful movements or contractions of the muscles within the body. They can occur if a muscle is overused, such as during exercise, and if you are dehydrated. Low levels of potassium and calcium can also cause muscle spasms. Muscle spasms can also result from alcoholism, hypothyroidism, kidney failure and certain drugs and medications, including caffeine. Muscle spasms and cramps can usually be relieved by stretching your muscle and increasing your fluid intake.