Finding ways to save on auto insurance can be challenging, but I dug in to do some research to help us slash our insurance costs without giving up coverage. We started with a policy that we were paying $750/6 months for 2 vehicles. That included loads of discounts (multi driver, low mileage, etc.). We are […]
We finally pulled the plug, well mostly. The one holdout on our monthly expenses was the cable “bundle.” We (stupidly) signed a (stupid) contract that had us at $99/month for phone, cable and internet for a year, and then it jumped to $144/month for the second year. We also have a TiVo which I adore […]
Sometimes it pays to have someone else provide a service for you. Some services you might consider outsourcing are haircuts, landscaping, basic car maintenance, house cleaning, and babysitting. Learn more: How To Balance Your Work At Home Life With Your “Real Life” One service I absolutely can not provide for the family is haircuts. In […]
We’ve reached the end of our 2nd No Spend Month, and I’ve been putting off adding up the final totals knowing the totals weren’t going to be pretty.
We went WAY over where I wanted to be. Clearly the spending diet worked against us this month.
I’ll just get it out of the way, our total spending was $1,764.41. Ouch. Ha, I should call it the Spend Way Too Much Month.
From all the hubbub I’ve read in the news lately about credit cards being closed, rates skyrocketing, and limits being cut, we have yet to be affected by any of these issues until today. I received a small pamphlet in the mail from Chase that looked like a privacy disclosure and was written in credit […]
We’re over halfway through out no spend month, so here’s an update. We have gone over the $600 mark, as of today our total is $897.82. The new goal is to stay under $1,100. (I know we have 2 expenses left for the month, plus gas and anything else that comes up) We have 12 […]
Turn on any financial news show and the host, say a Suze Orman or a Carmen Wong Ulrich, will mention an emergency fund. It’s always stressed that your emergency fund (aka the EF) should be 3-6 months expenses. Based on savings rates in the US few people have even a few weeks expenses set […]
Not spending for a month is not an original idea with me. I found an article in Reader’s Digest about it. I found blog posts about other people who have done a No Spend Month. My favorite example is over at Small Notebook where Rachel and her family participate in a No spend Month yearly. The […]
As if you don’t know already mortgage rates have hit a record low. Rates on a fixed rate, 30 year mortgage are running about 5%, some as low as 4.25%! The catch is to qualify you have to be either a “well-qualified”buyer, or “well-qualified”homeowner. The frustrating thing is this does not help many people who […]
Want to try the oldest form of saving money? Negotiate the price. It works for homes, cars, and other large purchases, but it also works for small and less expensive items. If you are planning to purchase a home or car, there is a ton of great advice on negotiating price, but too often people neglect […]