I want to find out about the power being cheaper at night too. That would be great. But hey, I am in the same boat with you!! I have a new baby (well , 17 months , but new to me..) and 2 daughters trying to go to college. I am tripping out on finances big time, trying to figure out if refinancing would help or not, I have a million things racing thru my mind at any given moment. One thing I have found out for sure- I love going to Target and getting deals! But, I also end up getting other stuff. And GAS to get there. I have found that for me, I save alot of money just by staying at home. Also, when I'm out , I tend to go thru fast food drive thrus. Bad for my budget and girlish figure. I really want to find out how to get started selling things on Ebay. I don't even know where to start. Come on yall, keep the ideas coming!!!