Hello

Stopping by to say "Hello"! So much has happened since February, including a new addition. He's name is Nicholas and he's 7 weeks old. There is so much to tell....stay tuned!

Gotta Get Wiser with the Money

It seems to me that everything is going up as of late; gasoline, postage stamps and now our cell phone provider has pulled a rather "sneaky" move.

I check our sprint bill (which we have 2 phones through them) and notice the bill is $8 higher than usual.

Now that may now sound like a lot to most folks, but that will get me 2 gallons of gas in my tank.

Anyhow, my husband gets a discount through his employer and now Sprint has taken away the discount of the secondary phone (which is mine), but not the first phone....

Of coarse I don't find out until I log in and proceed to pay the bill.

Any other time they are trying to sell us something or begging us to get a higher costing plan, we get a full- stuffed letter in the mail.

Maybe they thought we wouldn't notice or even care to ask questions.

I tell ya, more and more everyday, I gotta get wiser and wiser, so we can continue to save some money; and not have our overall expenses go up.

Insurance Companies Are Some Scheming Folks

Ok, in my last post; I wrote about switching car insurance companies because my current company will only reduce my policy by $7.

So I shopped around and went with Esurance with was offering a 12 month rate for just $1,238.

That was A WHOLE lot cheaper than the $1,977 that Liberty Mutual was trying to bill us for.

So I go ahead, pay Esurance and oh, I get a nice gift card for switching!!

Today, I call Liberty Mutual to inform them that I wont be renewing our car policy with them and of coarse they ask why.

I told them frankly, I found another insurance company who was ALOT cheaper.

They asked, if it was ok to tell them how much and I said $1,238.

They said, if you can give us 10 min, we'll see what we can do.

We'll, I was kind of taken a back because I had ALREADY called a few days ago and asked for a cheaper rate; and since the best they could do what $7, I moved on.

These folks just called me back and said, we can keep your policy/coverage the same way it is and beat Esurance quote by $23 and give me a 12 month rate of $1,215!!!!

Wait, are you guys following me here???

All of a sudden, they can come down from $1,977 to $1,215???

Why in the world didnt they do this a few days ago?

Why did it take for me to purchase a policy from their competitor and call to cancel my business with them, to pull this stunt??

The agent then said, Insurance Companies dont like pulling people's insurance/driving records (which I didnt know existed) because it is a soft hit on they're credit report; so they just base people's policies on "general driving habits"...

Talk about being disgusted!!

You wanted to charge me $600+ more dollars because you didn't want to inconvenience me (yeah right) by pulling my insurance/driving record; when I called a few days ago asking for a cheaper rate??

I cant imagine all this time, my DH and I over paying because of this craziness.

We are staying with Esurance....

I'm glad I have the insider info now and it'll be going to good use.

I'm going to tell everyone I know....

I Saved $706 A Year By Switching To......

Esurance!!!!!!!!!!!

I cannot even tell you how excited I am about this.

We have always gotten our Car Insurance Renewal Policy at the end of Janurary; and needless to say, I wanted to know what the yearly rate would be.

Imagine my shock when Liberty Mutual sent a bill for $1,944!!!

Wait......

$1,944???

Good Credit- Check
Excellent Drivers-Check
No points - Check
Pay On time - Check
No Claims filed- Check

So why the BIG increase?

Of coarse I give them a call and told them my concerns.

$1,944 was TOO high and I wanted to know if that amount can be lowered.

After a few minutes of working their "magic"; They said they could take $7 off the rate!

$7.00 was the BEST they could do......

I told the agent thanks and I proceeded to shop elsewhere.

After numerous quotes; Esurance (a company we were with in the past); gave us the Cheapest rate for practically the same coverage.

$619 every six months! Down from $972 every six months.

Just by spending a little time and shopping around.....

Another way of keeping more of our hard earned money in our pockets.

Sunday Night Chit-Chat-1st Timer

Hey yall,

I've been seeing you guys participate in this for the past few weeks, so I'd thought I'd join in.

Reading: Blog Posts & Forums

Watching: NOTHING! Don't feel like being depressed by the news and awards shows SUCK nowadays.

Listening: To myself chew loudly to this sweet mint gum by Orbit. I try to be polite but its so good. I think it may replace Winterfresh as my favorite!

Baking: Nothing at the moment. Did bake some Talipia for dinner and its my favorite fish! Yumm-O!

Happy I Accomplished This Week: Our Taxes! $2,113 Refund after making almost 6 figures is awesome! Was concerned we would have to pay! Thanking God for Mortgage Interest, property taxes, student loan interest and our 2 kids!

Looking Forward to next week: My DH going to a GI specialist Tuesday. Doctor thinks he may have a sour stomach and acid reflux.....poor hubby!

Thankful for Today: For being alive, our health and blessing and for God's love and mercy. Also for coupons! I love coupons!

Nite Nite All!