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.
Why your body jerks before you fall asleep. If you have ever wondered why peopleâs arms and legs twitch suddenly as they are drifting off to sleep, our resident psychologist Tom Stafford has the answer. As we give up our bodies to sleep, sudden twitches escape our brains, causing our arms and legs to jerk. Some people are startled by them, others are embarrassed. Me, I am fascinated by these twitches, known as hypnic jerks. Nobody knows for sure what causes them, but to me they represent the side effects of a hidden battle for control in the brain that happens each night on the cusp between wakefulness and dreams. Normally we are paralysed while we sleep.