That’s the neat thing about paint. It’s very easy to change the color if it doesn’t work out.

If you want commitment free pizazz, find some removable wallpaper in a cozy color.

That’s brilliant! Why hasn’t anyone made one of these better bean bag chairs?

I’m sorry your sister is getting bullied. I’m not sure if they had a friendship enough to where your sister can ask her why she’s being like this, and that her behavior is hurtful.

Or if this is one of those cases where the bully needs a punch in the face to respect boundaries.

That also made me wonder if the bully is getting bullied herself at home or by other kids, so she’s acting out because she’s miserable too.

I don’t know why exactly, but I imagine it’s similar to recurring nightmares about trauma. I had frequent ones following a horrible work situation. I’m a few years past it, but I still have an occasional one to make sure my sleep is ruined. I think of it as my brain compulsively poking a spot where I hurt over and over to see if it still hurts.

I think we’d compile a shorter list if we tried to name wholesome, respectable companies.

Some insurance companies have a discount or a lower pricing tier for low miles driven per day.

Have you looked at the blue book price you could get for it vs your loan payoff amount? If the blue book price is lower, you’re upside down and should prioritize paying more per month. This gets it paid off quicker for less interest and then you have a solid paid off car that you could probably put 200-300k miles on.

Do you have a 401k and the ability to take a loan from it? You could refinance the loan using your 401k to get a lower rate, and then you’re paying yourself interest. The catch here is being willing to stay at the employer until the loan is paid off. If you left employment before the loan is paid off, it could become a deemed distribution with a 20% early withdrawal penalty on top of regular taxes owed on the distribution. I normally don’t advise getting a 401k loan because of risk of triggering that distribution, but there are circumstances where it could be advantageous. Your HR dept and/or plan advisor can help you out there.

Sounds like you’re looking for the time honored Bank of Mattress Stuffed with Cash or their counterpart, Coffee Can Under the Sink Savings & Loan.

If you’re truly committing to off grid, go full analog.

Otherwise you just sound like a poorly veiled ad for some sketchy unregulated money exchange.