New Car Insurance — Finally

insurance

Last week (3 months late), I finally acted and switched my auto insurance from my current provider to Progressive.  I have had Progressive before and have no issues with being a member but ultimately, my choice was based on premiums.

Three months ago, my auto insurance renewed at $149.50 per month!  This was including a discount that came with a home policy as well.  That renewal was a $30 increase from the previous six months.  This increase was put in place even though 3 full years had elapsed since I had received a speeding ticket (boo!) and had dropped off my record. So when my company showed no interest in working with me, I looked at my options.

I checked with Esurance and Progressive, both with similar coverage and rates at $100 or less each month.  Even with losing the bundle discount from not keeping my home and auto policies with one provider, ultimately going with Progressive saves me about $60 per month. That is about $720 per year.

What I have noticed about insurance companies is that after a certain time, they increase rates exorbitantly. So, my charge is to drive safely, earn no violations and keep aware of better offers in the future.  For now, I am extremely pleased that I took care of this (belatedly, no doubt) and am getting my fall finances in order.

Next project, complete my tax returns!

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Eating Green This Summer

Funny Vegetables

I won’t try to fool anyone.  I love myself some cookies.  And donuts.  And pie.  And fajitas and fried chicken.  Love, love, love.

But in the summer time, I get giddy for garden vegetables.  The fresh from the garden taste of tomatoes and cantaloupe is a joy to behold and I am all in.  This year, I planted several tomato plants, eggplant and green pepper.

In addition to doing this out of a desire to have another dimension to my life.  I also look forward to the monetary savings of growing my own food.  Truly, I experienced physical pain earlier this Spring when I had to hand over $2.49 per 2-pack at Aldi for green peppers.

Except for a handful of cherry tomatoes, nothing major has come from my garden, yet.  In fact, the beetles are eating my eggplant and a rabbit has laid claim to the green pepper plant.  But, I am not discouraged!  That is because so many others are doing quite well on their gardens and guess who gets to benefit?  Me!!!!

So far, I have saved by not having to buy zucchini or squash or celery because other gardens surplus has provided for me.  In fact, my mom went so far as to not only give me a load of squash and cucumbers, she took some of the squash, turned it into an amazingly delicious casserole, let herself into my house and left us dinner for the evening.  THANK YOU, MOM!

I am looking forward to when my little patch of gardening earth starts throwing up the goods.  I will eat those veggies and share them, too.

Saving money by gardening is delicious!

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FREE Slurpee

Slurpee

When I picked Mirror Image up from Summer Camp yesterday she asked to go to 7-Eleven for a FREE Slurpee.  Okaaaaaay.

I balked.  I haven’t stepped inside a 7-Eleven in years.  And even though the nostalgic memories of sweet Slurpees during the summer of my youth were pleasant enough, I just wanted to go home.  And when I saw the throngs of kids collecting in front of the convenience store, I was sure this was not my adventure.

But, after we passed the second 7-Eleven she asked again and I caved.  Why not?

The scene was lively.  Cars coming and going.  I let her out to go get her treat and I waited.  But not long.  She was out almost immediately with a very yummy looking red concoction in her hand. And at that moment, I wanted an ice-cold Slurpee, too.

I went to get a Pina Colada flavored treat made to order for me by the Slurpee barrista (that’s not right, is it?).  It was yummy.

The funniest part?  Mirror Image didn’t like the flavor she chose and has already decided that next year on free Slurpee day, she would get the Pina Colada like me.

Sounds like a plan.

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That Time I Wasted Money – On a Boat Ride

You're Invited

Until recently, the majority of jobs I have held had an interesting perk built-in.  That was the perk of the INVITATION. Invitations to sporting events, concerts, parties and more.  The majority of these invitations included all of the great stuff to make an evening awesome, food, drinks, parking and swag.  Ahhh, what a life.

Not content in my youth to just be happy with the awesome free stuff, sometimes I would still  spend, waste contribute monetarily and unnecessarily.  I think it was the excitement.  Or the peer pressure.  Or stupidity.  But this is one of those wasteful moments whose memory never leaves me for long.  And this happened almost 20 years ago so clearly, I am still annoyed with myself.  It started out innocently enough…

My boss and I went to a gala fundraiser for who knows what, as representatives for our organization.  I was able to dress up, eat and drink all I want and meet interesting and fun people – for free!  What more did I need?  Nothing.  I needed nothing.  That didn’t stop me from wanting something.

The thing is, I didn’t know that I wanted something until someone told me I did.  And they told me in the form of the dreaded ‘auction’. That part of the evening that raises more money for the event by getting people excited to part with their dollars by showing shiny stuff on stage.

I like shiny things A LOT.

The item for auction was a day cruise.  And for some reason, perhaps the people at my table telling me to go for it, I had to needed that cruise.  So I bid.  $100.

Then $200.

Then $300.

Then final and winning bid of $400.

$400 was a lot of my back then and when I went to the event, I had no intention of walking out with  $400 charged on my card. Yet, I did.  Some interesting finance writer would share that if I had just invested that $400 twenty years ago, it would be worth over $1800 now at 8% compounded interest.  Heck, if I had just gone our for a really great meal with a friend it would have been more valuable to me ultimately due to the buyer’s remorse.

There is a lot to be said for shutting out the voices that make you want to act like an idiot with your money.  There is a lot to be said about making a plan  before you have to act.  That way, you can plan to act right.  There is also a lot to be said for making a mistake, learning from it and letting it go.

And the worst part? I never went on that cruise.  Just shoved the certificate some where and it got lost eventually. So no $400, no great meal with a friend and no $1,800 with accumulated interest.  Just a lesson in money management that I paid $400 dollars for.

 

Mirror

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Purchase, Purchase

I Love Shopping Picture

I have made it a point to be very intentional in my purchasing the last 2-3 years.  I run the usual investigative questions through my mind for most purchases – Do I really need it?  Why do I want it?  Do I already have something like it? How will I feel about it in the near future?  Do I have room for it? Will it really make my life better?

With these questions, I have been successful in a 2+ year handbag shopping ban and a clothes shopping ban for 5 months.  But, nature abhors a vacuum and some other interesting purchases have made it to the forefront.

I purchased a new phone last week.  I moved from a MOTO E from Republic Wireless to the MOTO G. I wanted to wait until they had a new selection that was similar to the MOTO X but my phone was dying by degrees.  I couldn’t even turn off the alarm in the mornings anymore — oh the horror!

I have discovered couponing!  I have LOTS of dish detergent, paper towels, hair products and vitamins.  I justify this shopping by letting couponing experts tell me I am saving money in the long run.  It must be a really looooog run because my MINT account is going crazy. You should see the notifications I am getting about the Shopping category.

With the exception of a few items that I only picked up because they were free, I know that I will use all the products personally or as goody bag stuffers. But I recognize the truth.  I just wanted to try something new and I wanted to SHOP.  I did a good thing by implementing shopping bans.  I did poor follow through by not replacing the shopping activity with a healthier option.

Now that my eyes are open, I am beginning a new plan. I will take full advantage of the soon to be nice weather and focus in on our garden work. Usually on gardening days I am too tired to want to do anything else anyway and that is just the way I like it.

I also plan to pick up some inside tasks.  Junior wants to paint her room and some of her furniture and that is definitely a distraction.  Her favorite colors at this moment are grays, blacks and whites. Should be interesting.

Oh yeah and I plan to eat more.  Not exactly the usual goal that is written but what can I say?  I am at an age where I finally enjoy trying new recipes, have learned a reasonable substitute for Cream of Tarter and no longer care about my weight in relation to popular culture.  A healthy enough weight is fine with me.

So there.  I am putting down my coupon clippers  and picking up my garden shears. It’s time for some growth.

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