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You are here: Home / Archives for Home and family / Managing the bills

Time to tighten our belts – tight finances

by The Diva

My husband and I are in a financial crunch right now. We just had to buy a new car when our old one unexpectedly died.

Man … we didn’t have any money to spare either. Well, I guess we had enough available to us to swing buying a used car, but that’s it. Now we have to watch every penny!

I’m now scratching my head and trying to figure out ways to both save and make more money. I have several websites and blogs and that’s the main way I earn income these days since I’m on medical leave from my work. Somehow though I need to come up with a few hundred dollars more per month.

Actually I cam across some Forex training webinars and I was thinking about looking into them … hey who knows, maybe I’d be good at. If I were, it would sure be a good way to make some much needed money! Anyone try this?

Filed Under: Home and family, Items to Try, Managing the bills Tagged With: bills, finances, money, save, save money, ways to make money

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

Time to shop around for a new insurance company

by The Diva

In a few weeks it will be time to renew our home insurance (and car insurance too). Unfortunately the prices have gone up … quite a bit.

I think I’m going to spend some time this weekend looking on line for some decent home insurance rates. You’d think that since we tend to combine our home and car insurance that we’d get a slightly better price, but the company that we’ve been using for the last nine years doesn’t seem to car this year as they hiked the rates!

It’s weird too because we’ve never put a claim in and my husband and I both have excellent driving records with no tickets or any other kind of driving offenses. So it’s strange that they’re hiking the rates, but I think they’re doing it across the board to all their customers.

Anyone have any suggestions for some good Canadian insurance companies?

Filed Under: Finance, Home and family, Items to Try, Managing the bills Tagged With: car, good rates, home, insurance, rates, shop around

Thinking of ways to make extra money – maybe a second job?

by The Diva

I know that the economy is supposed to be getting better, but we’re still feeling the crunch here.

I’ve been off work, on medical leave, for over five years now. It’s hard to believe it’s been that long, but my Crohn’s disease just won’t settle down. I wish it would! I’m an ER nurse and believe it or not, I love my job.

My husband also works in the hospital. He’s an OR day surgery attendant. Unfortunately … the hospital is over budget this year and my husband has to go through 3 sets of rolling layoffs. He’s already had his first two weeks off do to these lay offs and he’s going to have to be off work for two weeks in March and June.

That’s going to hit us hard.

I do make some money via the internet as I have a number of blogs and websites and I allow advertising on them, so it’s not like I’m not bringing in any income while I’m on medical leave, but we need my husbands salary to round out things and keep us afloat.

I’m sure we’re not the only ones in this position.

My husband has started to think about trying to find a job that he can do on the weekends or evenings. Many many years ago he used to work part time for catering companies – as a bartender and or waiter. He made pretty good money doing that and the tips were great so he might look into getting back into that – especially for the four weeks that he’s going to be laid off in the coming months.

He also has been a guitar player since he was nine. He’s very good and he also plays 13 other instruments. He’s often thought about teaching others to play guitar so he’s trying to find a way to get some students.

Are times tough in your area? Have you been thinking of ways to make some extra money? Perhaps you’re working two or more jobs?

I’d love to hear how you’re getting by in this tough economy.

Filed Under: Finance, Home and family, Items to Try, Managing the bills Tagged With: advertising, bartender, catering, crohns, economy, extra money, hospital, husband, internet, lay off, make money, medical leave, money, part time, second job, server, sick, temporary lay off, tips, tough times, waiter

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