It’s Hard To Have Roommates

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No.2 Sis: Where’s the butter?

Me: By the toaster.

No.2 Sis: No. There’s an empty plate by the toaster.

Me: Maybe the butter’s gone?

No.2 Sis: We had two plates of butter. The clean plate and the messy plate. The empty plate is the messy plate.

Me: Is the empty plate round or square?

No.2 Sis: Square.

Me: That’s the clean plate. I finished off the messy plate a couple of days ago. Then the clean plate turned messy. And I finished that off too.

No.2 Sis: (low growl)

Me: It’s hard to have roommates. They will eat the butter while your back is turned.

I’ve been living with No.2 Sis since returning from Costa Rica 12 days ago. Besides eating all the butter, I’ve had a nasty cold. Bad roommate. Sis is avoiding me to avoid getting sick.

I have a new apartment lined up. It’s kind of cottagey, in that it has it’s own outside entrance, with a little porch. The manager told me I can plant whatever I want on the grounds near my unit. Isn’t that great? I don’t want to overdo, so I’ll start with a pot or two.

I told No.1 Sis that I was going to go without a car for as long as possible, as a money-saving measure. I lasted 8 days.

Since I loved my previous Honda, Gypsy Blue, I went to the nearest Honda dealer and started test-driving used cars. I drove a CRV (who informed me his name was Butch). I really liked him, but he had 109,000 miles on him. A little old for me.

Then I drove a 2013 Fit hatchback with 31,000 miles and the angels sang! I bought her immediately. I couldn’t pick her up for a few days though, since I didn’t think to arrange for insurance before-hand. Oops.

Insurance turned out to be a hassle. I had cancelled my policy when I went to Costa Rica, because I didn’t have a car there. Apparently, that flagged me as some sort of flake (imagine) to the insurance company, and they tripled my rate! I’ll go with Progressive for now. Thanks Flo!

I know you’re wondering what the name of the new car is. Her name is Baby. Awww!

RANDOM PHOTOS OF THE VERANDA AT THE RENTAL HOUSE AT ESTERILLOS OESTE, COSTA RICA

RANDOM PHOTOS OF THE VERANDA AT THE RENTAL HOUSE AT ESTERILLOS OESTE, COSTA RICA

Stay tuned…

P.S. I’m still answering salespeople and waitresses’ questions with si, and telling them gracias. That should wear off soon, right?

 

 

 

How I Saved Over $300 With One Phone Call

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If you’ve been reading this blog lately, you know I’ve been looking for ways to earn or save some extra money.

In November I had a hand-made jewelry sale.

In December I cashed in my change jar.

In January I made my biannual trip to Las Vegas, and cut my gambling budget in half. I only spent half of that. For all you math challenged folks, that means I spent only one fourth of my usual amount.

In February I called my insurance agent to get summary of my coverage. I have been with the same agency for decades and they’ve covered my auto and home insurance. Lately I’ve found I’m paying more than my friends and family so I wanted to shop around. With the summary provided by my agent, I could compare apples to apples.

Before I starting shopping though, my agent asked if he could go through my coverage with me to see if we could find any savings without switching agencies. So here’s what we came up with.

Drop identity theft protection. It doesn’t cover the actual financial liability. It just covers limited lawyer’s fees. Savings: $15

Raise auto insurance deductible from $240 to $500. Savings: $70

Take Senior Safe Driving Course (still have to do). Savings: $130

Rerun credit report. My last credit report was run eleven years ago.The insurance company needed my permission to run a new credit check, and it could’ve resulted in my rates going up or going down, depending on what they found. When it was last run I had just bought my current townhouse, which increased my debt load exponentially. In addition, I was unemployed for eight months a couple of years prior to purchasing my home. I’m obviously in better shape today, because the savings on my yearly insurance bill will be $330!

Sub-total: Savings of $545 per year

Cha-ching!(1)

I also found out my townhouse was under-insured due to a hefty increase in the Home Owner Association’s deductible. The HOA sent me a letter telling me the deductible had gone from $5000 to $25,000! I added $35,000 to my previous coverage to cover the INCREDIBLY HIGH deductible, and to cover the increased cost of replacing my furniture and personal belongings (inflation, ya know). Additional cost: $235 per year.

Total savings per year: $310.

Not bad for one phone call!

Stay tuned…

p.s. I shared this at Cozy Little House.