I've tried to do my part. Didn't even turn on the snowblower in December. It's not helping.

Refinancing doesn't always cost out of pocket money. No cost refinances have been around for ages.

A simple cost benefit analysis will determine if you're better off keeping your rate or refinancing. Math isn't that hard.

>Yes, but there are plenty of sugar free options as well.

For sure. The few remaining deposited bottles I buy are typically Perrier/Pellegrino outside of the occasionally 12 pack maybe once a quarter.

The time was the big one for me. When I was a kid it was worth my time to return a shit ton of empties. After graduating college and getting a career not so much.

The deposit wasn't really the limiting factor, moreso the calories. Prior to cutting regular soda and beer we had plenty of empties and I still couldn't be bothered to take them to the store as it was such a waste of time and huge pain in the ass. I figured my time was worth more than the few dollars but I understand that isn't always the case for most.

Some unsolicited advice for those that it is worth their time, just try cutting the spending on deposited drinks. Water is free and much healthier. Anyone who is even slightly overweight might see a noticeable drop in weight upon cutting it. I know I sure did.

>I want to take my cans and put them into the blue bin, not waste my time going to a place to recycle them

Been doing this for years now. It's so much easier and not worth the hassle of dealing with returning them. I don't go through many empties now but it wasn't worth piling them up and waiting to have enough to go. I maybe go through 100 empties a year, probably closer to 50. Most of those times it's because I took something to go and wouldn't be saving it to return anyways.