A suggestion on OT: I grew up with my Dad working lots of OT and I vividly remember him telling me not to figure OT into a budget. He said you should never count on it as part of your income, so you don't miss it when you don't work it. I've been lucky, but I have burnt some midnight oil. I don't put OT on my timesheet. I keep count of the hours and take "comp time" off as I need it.
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 SANDY
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