Don't Buy That Insurance YET!

A lot of people really believe they need insurance for everything they own, but let's evaluate this.

Obviously you need auto and health insurance. It's even required by law. And, if you own your own home, you definitely want homeowner's insurance.



Now, let's look at a few other types of insurance.

Cell Phone Insurance: Perhaps you're the type of person who drops your phone constantly, or you have young kids, and you definitely need cell phone insurance. Consider paying your cell phone bill with a credit card that offers free coverage just for charging the phone bill to your card every month. (Of course, you'll want to be sure and pay the bill in full each month.)

Renter's Insurance: This one won't be the same for everyone. If you are a lifetime renter, and you have accumulated a lifetime worth of items, you probably will want to purchase renter's insurance. If you just moved out of your parent's home and everything you own is either curbside furniture or hand me downs, you might be just as well saving that money for your first home. Compare the annual cost with the amount you paid for your current assets.

Life Insurance: Obviously, if you are married with children, you will need to provide enough life insurance to not only pay for your funeral, but to provide the lifestyle your family is currently used to living. However, if you are single, you might want to consider planning your funeral and expenses in advance and skipping the monthly payment.

Life Insurance on a child: Put the money into a savings account for the kid instead!

Please consult a trusted financial advisor for assistance in any insurance decisions. I am not a professional in the industry, just someone trying to bring to light ideas to help you save some money and help with an inexpensive way of life!

Don't Charge That Phone Overnight!

Here's an idea to help you save a little energy: Don't charge your cell phone overnight!

With today's technology, cell phones are usually fully charged in an hour and a half, or less, depending on how much battery life you have left.

If you are plugging your phone into an outlet before you go to bed, and pulling it off the charger just before you leave for work, you are probably wasting about 6 1/2 hours or more of energy on that phone.

Try plugging your phone into the outlet while you are cooking and eating dinner with your family.  Make this a rule in your household, and see how much more conversation you have during dinner.  You might actually get to enjoy your kids and dinner a bit more.

If that's not enough time, how about charging it while you are having breakfast and in the shower as well?

These three times may not be enough on their own to charge the phone, but the three combined should be well enough to keep your phone charged, and you in charge of your life.....instead of your phone!

Quit Living Week to Week!

Follow these steps, and you'll see how easy it is to quit living week to week.

Stock Up While It's On Sale

All of us have certain items that we use on a regular basis, from your favorite soda or your favorite cereal, to your favorite laundry detergent.  These are items that are always in the house, or we need to pick up if we run out.

If you watch the ads close enough, you will find certain items go on sale at certain times of the year.

For example, my favorite soda is Mountain Dew.  It goes on sale frequently enough, but it's usually at it's lowest price for about two weeks before each holiday.

If I buy a case of Mountain Dew when it's on sale for $5 instead of the regular price of $7, I save $2 a case.  Considering I go through a case about every other week, that's a savings of $52 dollars a year!

If you do this with everything you buy, these savings add up!

Another example, canned vegetables usually go on sale in the fall, just before Thanksgiving.  It's September and I still have enough vegetables in my cupboard from last Thanksgiving, to do me until November. 

It may seem like a lot of money to put out, at first, but after a while it will be less than your normal grocery bill. 

Next you'll find yourself only going to the store to buy necessity items, unless there is a good sale. 

Do this with your meats, too.  Keep your freezer stocked so that you aren't running to the store two or three times a week to pick up something for dinner 'tonight'!

You'll find you are not only no longer living week to week, but you also have free time to spend with your kids.  Or you'll have the extra cash to go out for dinner and a movie without worrying about next month's rent!

 

How to Relieve Stress

Well, I guess this isn't necessarily how to relieve stress but moreso, ways of dealing with the burdens of life:

1 Accept that some days you're the pigeon, and some days you're the statue!

2 Always keep your words soft and sweet, just in case you have to eat them.

3 Always read stuff that will make you look good if you die in the middle of it.

4 Drive carefully... It's not only cars that can be recalled by their Maker.

5 If you can't be kind, at least have the decency to be vague.

6 If you lend someone $20 and never see that person again, it was probably worth it.

7 It may be that your sole purpose in life is simply to serve as a warning to others.

8 Never buy a car you can't push.

9 Never put both feet in your mouth at the same time, because then you won't have a leg to stand on.

10 Nobody cares if you can't dance well. Just get up and dance.

11 Since it's the early worm that gets eaten by the bird, sleep late.

12 The second mouse gets the cheese.


13 When everything's coming your way, you're in the wrong lane.

14 Birthdays are good for you. The more you have, the longer you live.

15 You may be only one person in the world, but you may also be the world to one person.

16 Some mistakes are too much fun to make only once.

17 We could learn a lot from crayons. Some are sharp, some are pretty and some are dull. Some have weird names and

all are different colors, but they all have to live in the same box.

18 A truly happy person is one who can enjoy the scenery on a detour.

19 Have an awesome day and know that someone has thought about you today.