Sunday, October 10, 2010

Good, Bad, Ugly - 10/10/10!!

If you aren't a "number" person, you probably won't care that today is 10/10/10!  But if you are and would like some more information about the meaning of today, then go read the article! 

(the number 11 is a VERY powerful number in the Universe, so next year on 11/11/11 is going to be insane!)

Anyway....let's look at this week's recap:

The Good:  I had the wonderful opportunity to talk with Jeff at Deliver Away Debt, who is trying to start a financial coaching business.  He and his wife have been able to pay off a HUGE chunk of debt, and with about 44k remaining....he estimates they will be debt free by next spring!  My goals through financial coaching are 1)  get G-man more on board with all of this, and 2)  see if we can swing living off of 2/3 incomes we have (probably G-man's full time job and my job) and use the other job (G-man's second job) purely to repay debt.

Also, we FINALLY found a paint color for our hallway! Two more testers, and we found the right color.  In all, we spent roughly $46 on paint testers.  Ridiculous.  But if we purely had gone off of the paint chip and bought a gallon, we would have spent alot more.  

And from the "oops, but I guess it worked out" file....I forgot to order Bossy's Halloween costume last night.  But the site hasn't updated the prices yet, so when I ordered it this morning, I still got 30% off.  Now. the shipping charges negate the 30%, so the total price ends up being the same as if I went to the store (which of course doesn't sell this costume....)

The Bad:  Our wanky 2 months before 3 paycheck month has caught up with us.  What this has resulted in is a veering off of our usual saving for the mortgage (half from first paycheck, half from the second).  Instead, I saved $500 (vs the usual $825, which will be going up to $850 with the escrow shortage), and the ultimate result will be paying our mortgage ON the 1st so I can make up the deficit from that paycheck (the first of 3 in the month).  It all has to do with due dates and when payroll falls.  But I would have loved to not had this happen.


The Ugly: We received our car insurance renewal, which has also gone up 50% (as did the home owner's insurance).  We have already been researching new companies, because the combined increases are over $1100 per year!  Right now we are leaning toward AllState, although my research has produced alot of negative customer service reviews.


Anyone want to share yours????

6 comments:

  1. The ugly is those stupid unexpected car repairs. I hate it. Dipping into savings or emergency funds. GRRR

    ReplyDelete
  2. The ugly is fairly easy to fix with a change of providers. The bad is not that bad, just don't eat or put gas in your cars :-)

    ReplyDelete
  3. @Mimi - grrr is right! Hope the fix is a long lasting one.

    @Jeff - yeah, the ugly is in process of being fixed. The bad...I think food and gas are kind of important. So, I will have to think on that one. ;)

    ReplyDelete
  4. I switched car insurance providers a few months ago because of a big increase from the one I was with. I ended up with Mercury. It's been fine, but then again we haven't had to use them.

    ReplyDelete
  5. Good- A friend is visiting from Ottawa and I didn't go crazy when I went shopping with her. I bought one small tin of loose tea and that was it.

    Bad- I bought waaaaay too many apples for the apple upside down cakes that I was making. There are three bags left over. There's a waste of $15

    Ugly- I can't think of anything! It's Thanksgiving here and I've been so busy thinking of things I'm thankful for!

    ReplyDelete
  6. I use Geico and I've always been really happy with them. Check and see if you can get any discounts due to your place of work, college, etc.

    ReplyDelete