Insane Random Ramblings

Ughh not again. I just got my new insurance information and my policy has increased…again. In my state, our policies are technically only 6 months so they can increase your rates twice a year. I don’t remember how much my last renewal was but this time my policy increased by $40 for six months.

I haven’t had any changes in my life and my credit has actually gotten better so I don’t understand the increase. I’ll call my agent and ask about it, but I’m definitely going to shop around when this policy expires.

I know this isn’t my personal finance blog but it’s a good topic. I decided that I wanted to cut some of my expenses and increase the amount in my savings. I looked at my budget to see what could be cut or scaled back. I don’t have bcbsnc insurance so I can’t cut that. I was able to cut my phone bill by a few dollars. My biggest savings was from downgrading my cable package. I have a bunch of channels that I never watch so it just made sense to dump them.

Now it’s just a matter of actually saving the extra money.

It’s that time again and I hate it. I need to pay my rent, car insurance, and utility bills. I need to move the money over from my savings accounts to my checking account to cover everything. I put all of my check in savings to gain interest until I need the money so I’m not actually using savings to pay bills. Man that would suck big time.

I need to figure out how much I have left over from my Economic Stimulus check so I can start planning my next vacation. I really want to go on either a cruise or to an island. One of my coworkers is going to Jamaica next week. I really wish that was me. I’ve never been to Jamaica and I’m not taking a real vacation this year.

Once I’m done with school I’m taking one heck of a vacation!

Again. Luckily this bill does not appear on my credit report so I don’t have to worry about it affecting my credit score. I check my credit report twice a year so I know what information appears on it and what does not.

I had the bill in my bag for 3 days but I kept forgetting to fill out the check and throw it in the mail. I do that with all of my bills too. I get paid every two weeks and I have my bills seperated so I know what to mail and when so it’s not late. But I usually don’t mail the stuff unless it’s rent or a credit card payment. You know, the stuff that’s really important. I don’t know why I procrastinate on this stuff but I do.

I won’t even talk about my checkbook that I haven’t balanced in almost a month. It seems like I don’t care about my money but I’m actually very anal about it. I keep my checkbook balanced to the penny. I’m about to do it right now and I know it’s gonna take me almost an hour to complete.