More information about your exposure to the outside wouod be helpful do you garden or hike ? When might a mosquito or insect have gotten access to you ? Not a spider and can ' t identify much else right now . Put some hydrocortisone and don ' t scratch if anymore it ' ll probably be gone in a few days . <| sep |> Sky blue pulsus for lime loopers <| sep |> GIFV linkI am a bot . bot <| sep |> Yep . This is why I adblock most gaming websites I visit these days . and why I visit them much less often than I used to . <| sep |> It ' s gonna depend on what things get added with freepaid DLCs . Personally , the only thing I feel is missing is the customization . Also , I don ' t really mind , the gameplay more than makes up for it . <| sep |> you need a budget and a plan , and you need it before you need a house . How is it that we only have $ 10 k saved ? a few possible reasons . you had a goal of saving $ 2 kmonth great goal ! but didn ' t really have a plan on how to do it . the budget is the plan . you ' re probably using your debit card too much . use cash instead . cash makes you much more aware of your spending . first , make a budget . you can use EveryDollar . com , Mint , or simply a legal pad . i use an open office spreadsheet . monthly income at the top of the page . subtract various categories until you reach $ 0 . allocate your income until it ' s all gone . most people need about 3 months to work out all the budget kinks so plan on making lots of adjustments . you ' ll forget a category for one item or another , and need to add it . just remember than the goal is to always spend less than you earn each month . if you need more money for food , for example , that means you need to spend less money in another category . once you do the budget this way , you ' ll see where the money ' s going . it ' s very common to spend way too much money eating out , so look for your personal weak spots . after you ' ve created the budget , use cash . here ' s why it hurts to use cash . research shows cash activates the pain area in your brain . say you settle on $ 200 week for food . use large bills . get $ 100 bills from the bank , so that ' s $ 800 for food fore the month . you ' re gonna be very very very careful how you break those $ 100 s . What should our priority be here ? Savings , paying off debt , or retirement ? I am so overwhelmed . suspend savings . suspend retirement , at least down to any match . pay off debt , aggressively . then save for house down payment . it ' s not like our earning potential is great . knowing more than a few teachers , I disagree . teachers certainly start on the low end of the scale . but they are one of very few careers that are guaranteed regular raises regardless of inflation and general economic situation . the median teacher salary nationwide is slightly above the median household salary . and that ' s working 9 months a year . that is , a teacher as an individual is likely to each more than an entire household which includes couples who both work . plus the insurance and other benefits are typically generous .