A Major Case of the BLAHS

What a BLAH day! It's been grey, rainy, and cold. There is no end in sight, either--at least not for several days. Hubby and I lazed around all day feeling absolutely worthless. We haven't left the house. We've either napped, surfed the internet, watched TV, or in my case, read. I did clean the bathroom. The kitchen is clean. I may vacuum here soon. It is 8:30 p.m., however, so maybe not. Dreary days drag and drag and make me not want to do a single thing. I feel so lazy.
One thing I did was research the Park & Ride "deal" at RTA. I'm trying to figure out if it's worth it. The cost, it turns out, is a little higher than I'd thought. It is $70/month. I would catch the bus about halfway to work. So, I would be cutting my commute in half. In turn, I should be spending approximately 50% less in gas each week. Right now, I have to fill my tank weekly and that costs me roughly $43/wk. That is around $165/mo. I also pay to park at work. That is $47/mo. Add that together and I'm paying $212/mo to drive and park for work. That is outrageous to me. Not so much the parking as the gas. Now, if I take the bus I will eliminate the parking cost and potentially halve my cost in gas. So, $212 - $47 - $82.50 = $82.50 (but remember bus pass cost) + $70 = $152.50. So, my total savings are approximately $212 -152.50 = $59.50/mo. Is it worth it?
It looks like in order for me to ride the bus, there is no straight shot from the park & ride station to my job. At some point, I have to switch buses. To me, that is a hassle. I also will have to leave my house by 6:00 a.m. and no later to ensure that I get a bus that arrives at work by 7:20 so I can walk to my office before 8:00 (and have time to log onto the slow ass computer system to record my start time). I also will most likely not get home until close to 7:00 p.m. each night. I don't know if saving $60/mo is worth all this hassle. Any opinions?
Here is my other dilemma right now. It is open enrollment for our health care options. Yippee! Currently, I am on what is considered a "premium plan." However, this plan has raised its rates and decreased its coverage. I used to have no copay and pretty much everything was covered. Now, my rates are up, I have a copay, and I get billed for crap the plan no longer covers. I'm wondering if I may as well have an HMO. I don't know if it's worth it. I'm going to attend a benefits info session this week (it's Wednesday and I'm hoping my uncle's funeral doesn't end up falling on that day). Perhaps I will be enlightened.
I'm also dreaming up ways to increase my MK business. I have to just start making it work. I can't keep working downtown. Eventually, I will not be able to afford the commute. I already can't. It is ridiculous. Something needs to be done about the cost of gas, but no one seems to care. Well, I can't change the cost of gas, but I can potentially change my entire lifestyle to accommodate it and possibly not have to deal with it. If I can get my business turned around and work out of my home, I can really better myself more than I can working for my employer. I'm definitely going for it.
Well, I guess that's all I've got right now. It is going to be a dreary rest of the week. Hubby has a job lined up. If weather permits, he can get it started this week! Woo hoo! Maybe his business will help sustain us, too. :) I hope his business picks up as well as my own business. Working from home would RAWK!