I have plenty of frozen leftovers (I have a ton of turkey from Thanksgiving and Christmas, among other things) and things like rice and flour, so food isn't really an issue, save things like produce and milk. Getting up early so I can turn the heat off in the bedroom and eat a decently large breakfast will probably help with the cafeteria food too. Tuesdays and Thursdays are a bit challenging because I don't get out of class until 7:45, though.

I agree, it's totally not worth baking, the exception being the times when it's so cold that it needs the extra boost, and even then...

Nybiker--thanks for those tips. Time to re-familiarize myself with which cord is which. My commute is just over a mile, so unless it's super cold, I don't even bother with the heating. (And on those days I have to melt the layer of ice on the car anyway!) I've duct-taped over the outlets, and I need to look into some kind of weather stripping or something for around the AC unit

Muirenn--Food for thought. The biggest reason that I turn the heat above 60 or so in the living room is so that I can actually take a shower without freezing. I might just get a space heater and use it to heat the bathroom for like 15 minutes...

Related: Something that might help is to use the option to split my car insurance into two payments. Yes, I'd owe them another two dollars (and use a second stamp), but the second half would be due in April, when I should have my financial aid check for spring. That should give me enough of a cushion to pay off the interest and a little bit of the principal of the loan. As much as I don't like giving them more money than necessary, this may be worth it. Thoughts?