it’s midnight. the metaphorical kids are asleep. the metaphorical bone is hanging out of the dog’s metaphorical mouth dripping with hypothetical saliva. imaginary husbands and wives are fake fast asleep, snoring and dreaming of calorie-free coffee heath bar ice cream. at long last you are alone, and with a sense of dread, you move toward the solemn tasks collected in the last several weeks.

you write a check for health insurance, begrudgingly noting that your policy has increased in cost by 88% in the last four years. you inwardly squeal with small delight in your first GSD triumph of the day. a bill paid. and, using for the first time a sticker with your address on it, greatly increasing your efficiency. that’s perhaps 30 seconds of writing you can deposit directly in your time bank ™. absolutely free time, or as i like to call it, discretionary time.

how to you save in your time bank? 2 in 1 shampoo and conditioner? save customer service calls for commute hours? say goodbye to energy vampires? pretend you only need six hours of sleep? skip boring sentences in bedtime stories?

how do you spend that discretionary time?