A coworker wants to trade me shifts — she will work the noon to midnight shifts and I will work a regular day shift. Bonus: real daytime hours. Negative (and it’s a big one): $4 per hour paycut.

Tentatively I have decided to stay where I am…even though I would much rather be on a day schedule. Of course that may change in an hour or a day.

If I quit buying things that we will need for lower energy availability, if I quit buying things to make our house a nicer place to be, I could make double or even triple payments on our one remaining credit card. Or I could make double payments on my student loans. But, then our house wouldn’t be getting any upgrades or even basic maintenance.

What to do, what to do…?