But cats also keep rodents at bay, and unlike pit bulls (a pair of which mauled a child in my neighborhood last year), a cat usually does not present a major safety or liability problem. 

Pair this with what I laid out in the spreadsheet and you can do some major damage to the amount of interest you pay on your loan. 

The one thing I never discriminate against is green US currency:)

Reading Robert K, and with your recent loss there is a new currency  I think you will be enjoying- time.  

And he was in a pair of jeans and a T-shirt while the old woman was in a heavy woolen coat that look like it was made in Russia with a babushka wrapped around her head, muff, mittens and was slumped half way out of her wheel chair, most likely from heat exhaustion as it was a terribly warm day out and even warmer inside the court room, with all these people.

With Xero I was dealing with multiple currencies which became a complete nightmare and found a great accountant who sat down and walked me through it.If you find that this is too much work or too difficult you could easily give a bookkeeper a login for you account and they could take over.

I once was attending eviction hearings, and with one pair io landlord and tenant ( both were there in person), both acknowledged that there was a signed lease on paper, and both admitted that they could not find their copy to show the judge!

The thing i cant do without is my impact driver  :) also a basic pair of pliers and a multi head screwdriver  This is a great list so thanks for posting it!

I have one Labradoodle, and she has already destroyed several pairs of shoes and books, and started a fire.

A pair of panties got wrapped in the washer motor and broke it due to over loading.