Friday, July 18, 2014

A Happy Mail Surprise

Yesterday in the mail I received my Car Insurance renewal papers.

Apparently they are harmonizing my insurance with my home insurance and my guy's insurance.  What the heck does that mean?  It means that we will be getting all of our policies at the same time instead of staggering them all through out the year.

It's a nice little thing I think.  So, the renewal that I received was from now until the harmonization month. 

What does t his mean for me?  It means that for the next 6 payments, my Car Insurance payment drops from $121.71 per month to $86.28 per month.  That means I get to keep $35.43 each and every month for the next 6 months. 

I'm pretty sure that this will only be for the next 6 months, and then I'll see the real amount come back.  Because of this Combined Policy thing, I'll be saving 10% on my car insurance, and 15% on my home insurance.   So, start in March, my car insurance payments should be about $109.54 per month for the 12 months starting in February 2015.  I'll enjoy these significant savings on my policy now for the next 6 months before I get the actual amount.  I may be qualified for several new and exciting things in my insurance policy as well. 

I'll be discussing those items with my broker and figuring out how best to handle those items.  These include things like conviction free protection (speeding ticket under the new Combined Policy means my insurance could go up 15% in a year if I get a ticket - GAH!), and excess liability over all policies, disappearing deductibles etc. 

So far I'm liking these new options.  I'm also checking on income replacement level increases as my policy has a standard $400 per week.  Many of your policies may have the same thing.  As I've had an accident that resulted in several weeks of impairment, this is important to both me and my family moving forward.  These items could make a huge deal to many things if ever something happens to me again.

Oh, and for the first time, my insurance provider is offering the Winter Tire Discount.  Thank goodness!  At an additional 5%, I may be able to get the increase to my replacement income fee paid fr, by simply having the policy moved to a Combined Policy, taking the winter tire discount, and staying conviction free!

I'm all about saving money and getting the coverage I need to keep me safe and sound in just in case events. 



Tuesday, July 15, 2014

Reflections

Continuing on with my Brutal Honesty Year, and because 51 people yesterday still read one of my posts from 2006, I took some time to read back over this blog from that day until today.

All I can say I, wow.

I really really have to get this debt thing done.  I've been bouncing around at the same total, off and on for 7 years.  7 YEARS!!!!!!!!!

O.  M.  G. 

And to think.  If I had just stuck to it 7 years ago, I'd have 5 years worth of savings under my belt by now!

I'm feeling the feels and spending a little wallow time in my own idiocy. 

It's a good thing I had an idea when I looked at where I was last year.  Still though.

Ok - kicking myself over my past transgressions is over.  I am so over this!

2 months of the plan are done.  It is time to tweak and improve again.  And keep tweaking and improving as I go so I can be over this already!