Life

This month has just been bills, bills, bills. Luckily, there’s an end in sight! I’ve spent the whole thing changing policies, accounts and who knows what else, trying to cut down my monthly budget so that me and darling husband can actually buy a place instead of renting. It’s been exhausting, but, with a bunch of research and time, I’ve managed to do it! One of the big things I found helpful was changing to car insurance with no down payment. Don’t confuse this with very cheap car insurance no deposit, by the way. They’re similar but not the same thing. This freed up a bit of money for me to play around with elsewhere, which was an absolute blessing.

I’d just kind of assumed that all car insurance worked the same way – find a policy, agree to the terms, put down a deposit. But having done some research this year, I’ve found there’s much more to it than that. Firstly, as I said, you can find no down payment car insurance. This is already a huge difference from what I thought! I also looked online, meaning I could adjust as I went – being able to change your monthly amount and see how it affects the deductible and coverage was really useful. I compared rates here if you’re looking for some insurance as well:  http://www.insurancecaffe.com

I’ve avoided going too cheap – I know I could have saved more money by having third party only insurance, but I’m trying to think long term here. Whilst that might have saved me money upfront, if anything happened I’d be in much more trouble. So I’m paying more for comprehensive cover, with the knowledge that I don’t have to worry as much if disaster strikes in the future (fingers crossed that it won’t).

My monthly payments are higher than they could have been, but I’d rather have freed up that extra money now for while I’m re-budgeting, because it gives me more options. Besides, I managed to find a new little new customer deal by swapping, so it’s very similar in cost to my old one, but with lower deductibles and no down payment. Anyway, this is the cheapest car insurance in Texas, that’s for sure. As long as it cheap and good that’s all that matters! I’m also paying a lot less than I did for car insurance in ga; which is surprising!

So with the insurance and energy bills out of the way, it’s time to move on to my next month of budgeting-  looking at everyday spend. Wish me luck!

Life

]I’ve already done a part one somewhere. But there are so many things I don’t understand I had to write a sequel.

I don’t understand how people know anything about wine.

Wine, to me, tastes like wine. And when they pour a small amount into my glass in a restaurant and wait for my verdict. I just take a sip and nod my approval. I have no real idea as to whether it’s OK or not. It could be a glass of human waste and I’d still allow it to be poured to the rest of the table. So if you ever go to dinner with me, sorry in advance.

I don’t understand why everyone hates Nickelback.

I mean, I’m not a fan or anything. But I really don’t understand what’s so terrible about them that it brings people together in mutual ill feeling. I have never met a fellow British person, American or Canadian that doesn’t share this weird opinion. And I’m just going to put it out there and make myself unpopular. But I would rather listen to Nickelback than Coldplay. Possibly the most depressing band of all time.

I don’t understand how all of the loan companies near me are still in business. As a matter of fact, I don’t even know how the money order places near me are alive still. Who uses them?

I mean, if you visit my hometown, you’ll see an entire street full of them. Are people just making their way down the road taking out loans at each and every one? I guess so. And that seems irresponsible.

I don’t understand how people aren’t terrified of horses.

Horses have metal feet. And they’re much bigger than humans. They spook easily. And when they get scared they kick! That’s terrifying! I don’t want to be kicked in the head by a metal foot!

I don’t understand how smoking came about.

Did someone just turn around one day and say ‘you know what would make my day better. Inhaling some smoke into my lungs’. That actually goes for the first time most things we do happened. Who was the first person to think we could drink cows milk?

Blog, Life

Hey guy’s I know this topic is unrelated to space, but it just made me so mad I had to write about it. For the past 5 years my insurance company ( Not naming names) has been increasing my car insurance rates by about 5%. What for? Absolutely nothing. We’ve had no accidents, didn’t change cars.

Our insurance should be going down not up. I did some research and found out that insurance companies will increase your rates regardless of your driving record. Here’s why:

1.Your to lazy to switch insurance companies if the cost isn’t high enough. A 5% increase for most people isn’t a lot. Most can easily afford to pay so they don’t complain or bother switching insurance companies.cheap auto insurance in NJ

Insurance companies know this and benefit from it. After 5 years of 5% increases that’s a 25% increase in your insurance cost, for absolutely nothing!

I decided to find a new insurance company. I found a great site to compare companies: autoinsurancemonkey

I was able to find cheap auto insurance in NJ for about 35% less than I was paying!

So guys, here’s my advice: Compare! Compare! and Compare!