You should also go out of your way to start doing things on your own or with friends(without her). Establish that habit while the relationship is still young. The fact that you're saying you feel like you don't have enough time to do your own things is only a result of you not doing them. It's...
Just be straight up that you need to have time to yourself and your own hobbies/activities. Her wanting to come over while you're asleep doesn't really seem that big a deal. What about when you're awake? What are some examples of you wanting space while you're awake? If the relationship is still...
It's risk mitigation. Lending you 100 dollars is more risk than lending you 80 dollars. Is it a scam? Maybe. Can you tell the bank to fuck off with it? Not really.
No, it's usually for when your loan to value ratio is greater than 80%. It's basically protection for the bank for people who can't afford, or don't want to put 20% down on a house.
I use this. I like the fact that it's clear.
Amazon.com: Cambro 12189CW135, Polycarbonate Camwear Boxes, 4.75-Gallon, Clear: Lidded Home Storage Bins: Kitchen Dining
She didn't get a new face in the books yet, right? I'm pretty sure she's still in training, so hasn't earned the skill points to put into the "Multi-Face" talent yet.