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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

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

How to Take Care of Your Furnace Filter Needs?

by The Diva



An electronic furnace filter is the kind that will collect all of the debris, grit and grime from your furnace.  If you have a furnace, you should be serious about furnace maintenance.  The easiest thing that you can do to maintain your furnace is to replace the filter regularly.  If you have an electronic furnace filter you can cut back on spending, as this will do a better job at removing the debris from your furnace so that it isn’t able to get dirt and debris within the furnace that will finally spread throughout your rooms.  Your furnace will also work more effectively with this 3M furnace filter.


If you suffer from allergies or keep pets, an electrostatic furnace filter is the easiest way that you can keep this dander and other allergens from invading your home.  This is why many people today are choosing the electrostatic furnace filter as it does so nicely for the home.

Any air that swirls through your home through your furnace needs to stay clean.  This is healthier for you and your kin, especially if you are similar to the hundreds of thousands of people who wish pure air and may suffer from allergies.  When you use the electrostatic furnace filter, you will receive the highest quality 3M furnace filter available today.  Know that you still are required to maintain the furnace.

When you have a furnace, you need to clean it regularly.  This means having the furnace cleaned up once every two years.  This is most often carried out by a professional.  Cleaning up the air ducts is also a good idea if you would like to keep the air in your home as clean as it can be.

Changing your furnace filter is important to attend to every month, especially during the winter months as you are needing the furnace more regularly.  You must be diligent in keeping up with your furnace chores so that you can keep the furnace in good operating order and make it stay operational even longer.  A reliable furnace will last you for about 3 decades if it receives proper maintenance.  And if you pick a good furnace, like a top notch model, and clean it on a regular basis, you will help it stay operational for a long time.  You can use the electrostatic furnace filter and replace it regularly and even make it last longer.

Why get a lower functioning furnace filter when you are able to use the electrostatic furnace filter using electrostatic styling that is modern?  You can get an electrostatic furnace filter at a number of Internet storefronts?  Although that this is a cutting edge 3M furnace filter, you will still want to change it periodically so that it can help the furnace remain in great condition.  Maintaining your furnace is not difficult, especially when you use an electrostatic furnace filter, one of the most efficient furnace filters that you could ask for.

Filed Under: Home Improvement Tagged With: cooling, furnace, heating, Home Improvement

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