Apparently, no one here has kids under the age of 5. Because there's no way to shut down from "Which one of them is waking up first and when?"

If you’re a religious person, I highly suggest prayer at the end of the day. It’s especially helpful if you have a more formal prayer to model from, like something out of the Book of Common Prayer or your faith’s equivalent.

I use my credit card for nearly all my spending to earn rewards. My point was simply that it’s better to reign in hundreds of dollars of overspending rather than worry about losing $4 on the rewards that month. Of course, when I did reign in that spending, I went back to the card :)