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You are here: Home / Archives for Home and family / Finance

What insurance company do you use for your car?

by The Diva



You might remember that in early August our old, and I do mean old, car died and we decided to buy a used car as a replacement vehicle.


Well so far so good with the new car. It’s a 2006 Pontiac Pursuit (newer models are known as G5’s) and my husband and I both love driving it. No problems so far.

The only major thing we’d like to do is check around for vehicle insurance quotes. When we transferred our car insurance from our old car to the new one we stayed with the insurance company that we’d been using for our car and home insurance, but we don’t feel that they’re giving us the best prices. So … it’s time to look around, get some quotes and see if we can lower the cost of monthly car insurance payments.

What insurance company do you use for your car insurance coverage?

Filed Under: Finance, Home and family Tagged With: car insurance, coverage, new car, policy, prices, quote, used car

Helping relatives move

by The Diva

My husband just left to go and help his cousin and his wife move into an apartment.

I’m not quite sure what happened, but they had a house outside the city and I guess they got into some money troubles and had to sell. Their house was on the market for at least six months and just sold about two weeks ago and now, his cousin is moving back into the city. I’m not exactly sure why their moving so quickly .. maybe their house had a fast closing date?

Anyway .. usually I would help with a move, but I’m just not feeling all that well today. So I’m staying home with our dog and my husband is running around helping with the heavy lifting. Hmmm maybe I got the better deal?

I think my husband’s cousin is going to be changing job soon too. He’s been working for a company that transfers data to microfishe … but I think that’s fazing into digital. He mentioned something about getting into Forex trading the last time I talked to him. I think he bought some Forex trading software and he’s been teaching himself how to use it in his spare time. Maybe he’ll figure out how to make some good money on the side – even if he doesn’t end up changing jobs.

Anyway … it’s a late day move … my husband just left the house at 3 pm! I have no idea when he’ll be home. I also think his aunt is feeding the gang. She mentioned something about making Chili when I was talking to her on the phone. Hmmm … maybe Chris can talk her into letting him bring some of her homemade chili home for me? She apparently makes delicious chili. Of course, it probably won’t sit all that well on my stomach … but then, nothing I eat this week has.

Filed Under: Finance, Home and family, House and Home, Items to Try, Real Estate Tagged With: apartment, chili, closing date, cousin, diner, family, financial trouble, food, homemade, house, husband, money, moving, new job, software, sold house, trading, work

No money yet our bills keep getting bigger

by The Diva

I’m so frustrated about money and bills right now. We’ve been having a tough year financially. There just isn’t enough money coming in, and it seems that every time we turn around something breaks down or needs to be fixed or replaced.

The latest in a long list of things to be replaced this year was the car. Our old car (it was 14 years old) died at the beginning of August and we bit the bullet and bought a used car to replace it. This of course is coming after we bought a new washing machine and dryer and a few kitchen appliances that had needed replacing earlier in the year.

Now we’re literally counting our pennies to pay the bills, buy groceries and of course to get my medications for my Crohns. One slip and we’ll be in terrible trouble. Actually I think we’re pretty much in terrible trouble right now – I’m just refusing to admit it.

Now I’ve just found out that our car insurance rates have gone up. I thought that they would be the same or be a little lower, especially since we have a newer – safer and I think more environmentally “correct” car. In fact that’s what our insurance company led us to believe when we were talking to them when we were transferring the insurance over from the old car to the new car.

Wrong … the bill is higher – at least for a few months anyway, until our new contract kicks in sometime in the new year (I think March) and then it will be a little lower, but it might not be lower than what it had been with the old car.

Our new car is a 4 door, 4 cylinder, sedan – should be fairly cheap to insure right? On top of that my husband and I have both been driving for over 25 years each -and we have PERFECT driving records. No accidents, no tickets, no driving infractions – nothing – ever. Our insurance company says they’re giving us a discount for our perfect driving records, but uhm … It really doesn’t feel like it.

Anyway … everything seems to be going up. We heat our house with oil and that’s gone up a bit this year, as has our electricity rates. Even our mortgage went up a little bit earlier today. So the budget I made a week ago needs to be reworked … to bad I haven’t figured out a way to add more money to our budget. LOL

I have a feeling we might be taking in a border in the next month or two if things keep going downhill.

Filed Under: Finance, Home and family, Items to Try, Managing the bills Tagged With: bills, budget, car died, cost, electricty, gas, heating, higher, insurance rates, money, new car, new dryer, new washer, oil, prices, raised rates, rates, replace appliances, used car

We have a new “used” car

by The Diva

Our car died last week. Yes, I really mean died.

My husband had borrowed his parents car last weekend when he went up North to Muskoka for a big party and later to his sisters cottage in Holland Landing. Our car, a Ford Contour, was 14 years old and he just didn’t trust it for a big drive.

So his mom had our car and while she was driving it last weekend the car let out a loud groan like sound and lost power. It turned out that some plug in the bottom of the transmission fell out and all of the transmission fluids came out with it.

Once the in-laws finally told us that our car had broken down (last Wednesday – five days after it had died) we decided to have the garage order the part for the car and fix it …. but once they put it in on Friday the fluids still leaked. I guess the casing around the transmission was pitted so we’d actually need a whole new transmission. They figured putting in a new transmission would cost us close to $3000 and we didn’t think it was a good idea to put that much money into a 14 year old car so we started looking for new (used) cars on Friday evening shortly after we got the news.

Of course the last thing we needed to do right now was buy a car! We’re going to have a very tight budget over the next few months. Groan.

As it turns out the garage where our car was taken (in Brantford and we’re in Toronto) also has a used car dealership on the lot. So we took a look at their selection of cars and finally picked out a used 2006 Pontiac Pursuit.

We couldn’t finalize anything until today when the licensing office would be open, so my husband hitched a ride back to Brantford yesterday with his brother who was visiting from Chicago and early this morning he went back to the dealership to test drive the car once more (test heater etc) and then buy the car.

Our old car is going to be junked. We got a 100 dollars for it. Shame, because it was a good car and wasn’t giving us any trouble until this happened.

My husband transferred everything from our old car to the new car before driving back to Toronto. I think his mom must have left some things in the car though … because there’s a book about healing foods and a pamphlet for HCG diet Austin that she must have picked up when she was traveling two weeks ago. I guess we’ll return those things the next time we see her or maybe give them to our nephew if he comes to Toronto to do Extra work as he has been doing every week so far this summer.

Once Chris got home with the new car we took it out for a drive – and to get groceries. It’s very nice – nice smooth drive. Oh and the radio shows what song is playing. Our old car didn’t do that – I wonder how it knows?

Anyway I guess it’s too late to ask my readers if their familiar with this car and know of any problems … but still, if you do know of any problems with this car (a Pontiac Pursuit) I guess I’d still like to hear about them.

Now to read the cars manual to figure out the car alarm etc …

Filed Under: Finance, Home and family, Items to Try, Managing the bills Tagged With: 2006, brantford, budget, car broke down, garage, husband, in-laws, new used car, old car, pontiac pursuit, Toronto, transmission, used car, used car dealership

Why is the price of everything going up and up?

by The Diva

It seems like the cost of everything is going up, doesn’t it?

Groceries is more expensive, especially fresh produce! Then there’s the cost of electricity and home heating … both of those bills went up for us this year too. Just how high do they think they can hike the rates anyway?

Now we just found out that our car insurance is going up … even though both my husband and I have absolutely perfect driving records. No tickets, no infractions – nothing and we’ve both been driving for over 20 years … so wouldn’t you think our rates would go down, not up?

So now I’m trying to find car insurance cheap if that’s at all possible. Perhaps we’ll try calling our insurance company first and ask them why our rates are going up so much. It’s just unbelievable.

Are you as frustrated as we are with the price of just about everything going up so much?

Filed Under: Finance, Home and family, Items to Try, Managing the bills Tagged With: bills, cost, driving, electricity, groceries, heating, inflation, insurance, price ike, prices, produce, rate, safe driver

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