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June 25, 2010, at 5:59 am If you're new to BFS, please subscribe to my RSS feed. It shows me a vote of support and keeps me motivated to keep your attention. If you have any questions or comments for me, please contact me and I'll get back to you asap. Thanks for visiting!
Hey everybody!
Mrs. Money from the Ultimate Money Blog was kind enough to work with me (and put up with me) to create the awesome new header! Thanks Mrs. Money!
Kris from Everyday Tips and Thoughts was also kind enough to help me make up my mind along the way and suggested neat additions too. It was so cool to have real input, so thank you very much! I love Mr. BFS and he did help with positioning, but to get detailed opinions from him is like trying to get a bone from a our dogs…ain’t going to happen.
In case you didn’t stare at this as long as I have (hahaha), you may have missed that the coconuts are actually gold coins (thanks Kris) and there are little dollar signs spread around. It’s like the easiest “Where’s Waldo” ever, lol!
If there are any obvious mistakes or you have some awesome suggestions, please leave them below! Feel free to just tell me how much you love it too…that always works, hehehe.
Thanks for being my readers! I appreciate you all every day!
Crystal
June 24, 2010, at 6:00 am
The following is a guest post from 21st Century Insurance that explains how to shop for car insurance and put some extra money in your pocket. “21st Century is dedicated to providing superior coverage and service, while saving you money on your auto insurance.”
Have you ever tried on an old pair of blue jeans and found a few dollars in your pocket? You know that feeling. Well, imagine how happy you’d be if instead of a few dollars in your pocket you found a few hundred dollars! Hundreds of dollars that are all yours to spend however you wish. Go on a shopping spree … go away for a long weekend… have a party!
*Note from Crystal: You could also save it or pay down debt…thought you might be upset if someone didn’t mention it, lol.*
That’s what it’s like when you take a few minutes to compare car insurance rates and switch to a company that will save you money. All of a sudden you’ll have hundreds of dollars you didn’t think you had. Now that’s time well spent.
Just follow these steps.
Be Ready
If you want to compare auto insurance quotes, you need accurate information. So before you start, take a few minutes to make sure you have the following information available.
* Your Current Insurance Declarations Page
– By matching your current deductibles and coverage limits you can be sure you’re getting the same protection.
* Vehicle Information
– Year make model and VIN
– Annual miles and distance to work
– Value of any custom or after-market equipment
– Type of alarm or theft recovery device
* Driver Information (For each household member old enough to drive)
– Drivers name, occupation, gender, number of years licensed, and Driver’s License number.
– Any accidents or violation in the past 3 years including dates, who was at fault, if someone was injured and the claim amount.
Be Choosy
There are a lot of car insurance companies out there and each one has its own way of determining rates. So if you’re only getting one quote to compare, you’re probably not going to get the best rate. The more quotes you get, the better your opportunity to save money. Plus, if you want a better understanding of the features and service a company offers you should contact them yourself. The service you get shopping is a good indicator of what you can expect if you purchase a policy.
Be Thorough
When shopping for cheap car insurance you need to consider more than price. To find out what you’re getting, what’s covered and what isn’t, remember these tips.
– Get your quote in writing and confirm the accuracy of each vehicle and driver you are insuring.
– Make sure your deductibles and coverage limits match your current policy.
– Ask about special features, such as Emergency Roadside Assistance.
– Find out if there are additional membership or broker fees.
– Are repairs guaranteed for as long as you own your car?
– What kind of payment options are available?
Questions from Crystal:
Have you ever saved a ton by switching or comparing rates? Which insurance companies had the best rates for you?
June 23, 2010, at 6:00 am
According to this article, one-third of U.S companies are starting to offer financial incentives to their employees to lose weight or to get healthier in general. One company, OhioHealth, even paid employees for walking. IBM pay their emplyees $150 for completing a 12-week Web-based health program.
My job started a Wellness Program a year ago but they’re cheap. We don’t get anything for participating (except hopefully better health). We do have annual health screenings at work though. There’s nothing better than hearing you need to lose 20-30 pounds from yet another person every year.
My company newsletter recently mentioned that we could receive discounts on our health insurance premiums in 2011 if we get our blood pressure to 120/80 or less (check, woot), our total cholesterol to 200 mg/dl or less (check, woot), and if we don’t use tobacco in any form (super check, woot).
BUT, this actually really sucks since I get free health insurance, so a discount implies that our insurance won’t be free anymore…unless this is only in regards to the optional upgraded plan. I doubt that I’ll be that lucky.
Anyway, how much would the discount need to be to entice me to work on it? In my case, I fit the criteria listed already. If I didn’t, I’d probably want a savings of at least $10 a paycheck to get motivated. However, what I really want is a gym on site like my company has at their other locations. I like the treadmill but have absolutely zero motivation once I leave work. If we can’t have a gym, an early morning walking group would be nice. We already have a 5pm one, but who wants to walk at 5pm in Houston, TX?! That’s just silly…
Does your company offer incentives for healthiness? What would motivate you?
June 22, 2010, at 6:00 am
I just saw this post, New York Woman Shifts to Green, Saves More Than $10,000, and immediately thought “ooh, let’s save some money”. Then I looked at what she did and, umm…yeah, I won’t do most of that. Oh well, maybe one of you could benefit from her going green tips.
Here’s the changes she went through (my responses are in italics):
1. Become vegetarian. I enjoy steak way too much.
2. Become vegan and only eat and use organic foods and items. I enjoy Kroger’s way too much.
3. “Become conscious and present to the world and nature around me, as well as to family, friends, and neighbors”. I think I’m very conscious about my surroundings and the people around me, but this is a good reminder.
4. Change consumption patterns. We are thinking about composting, but I don’t see our consumption patterns changing soon.
5. Saving money due to these shopping habit changes. See below.
This is how she saves:
1. Switch to natural cleaning agents – saving $800-900/yr. I do like using vinegar since it’s cheap, but I do also use bleach, which is what she’s against the most.
2. Create zero waste – saving $180/yr. That’s pretty cool, but I just don’t see us going to the extremes she has to cut down to almost no real waste.
3. Drink and carry tap water – saving $500+ annually. We buy bottled water every few months and reuse the bottles until I consider them too gross.
4. Buy $.99 reusable grocery bags, eliminating real costs of using and disposing of plastic bags – savings $100/yr. We reuse the plastic grocery bags for so many things that I rarely use the reusable grocery bags…although they do come in handy at the library and Sam’s Club.
5. Limit gift giving – saving $500. We’ve narrowed our gift giving and receiving group to immediate family and closest friends, but I’m not willing to cut back further. I love gift giving…it makes me act like a giggly 6 year old again.
6. Drive fuel-efficient car less – saving an average of $100-$150/month, or $1200 – $1800/yr. We do own a Prius, but we drive it a lot. Cutting back would mean giving up my husband’s career of teaching since they aren’t on a bus route and hobby job as a contract referree.
7. Buy no fragrances: no perfume, scented candles, or air-freshners – saving $500+ annually. I married the one man inthe world who really likes nice smells around the house…I think I might get a major eyeroll if I suggest getting rid of our Dreamsicle plug-ins…
8. Avoid plastic wrap — saving $150 annually. This makes me so sad…I love plastic wrap and aluminum foil.
9. Minimize paper — saving $300. We’ve done this mainly out of convenience…online billing is just so much easier and we don’t have any magazine subscriptions.
10. Use compact light bulbs & other efficient appliances – saving $200/yr. We replace burned out bulbs with CFL’s, so our house is about 50/50 right now.
11. Buy used, refurbished goods – saving $2,000/yr, plus gas, energy and time to shop. I just bought a used chest freezer for $25. I’ll tell you how it works out.
12. Grow own food — saving $450-$500 on food, garden chemicals. I’m thinking of growing cucumbers and tomatoes, but I never seem to get around to it.
13. Conserve water — saving $100/yr. We take short showers and only water our lawn once a week during the summer, so we seem to be doing okay on this front. I like the idea of rain barrels, but wonder how I’d make it work since we don’t have gutters.
14. Installed gravel driveway — saving $4,000. That would look really strange in my neighborhood…
Are you green or going green? What’s working well for you? What other going green tips can you suggest?
June 21, 2010, at 6:00 am
Amanda at Frugal Confessions mentioned her costs of the first year of home ownership in this post and my reply made me realize how lucky my husband and I really got.
Apparently, the average first year spending on a house built after 2004 is $12,332. I could totally see that based on what our house contained in that first year, but most of what we had were hand-me-downs, gifts, or things we brought from our apartment.
Thanks to all of that and patience (it’s still patience, even if it is because you feel broke…), we only spent a total of $735 on our house in that first year.
We bought:
- Garage Door Opener and Installation – $225
- Lightbulbs – $50
- Ceiling Fans – $175
- New locks – $60
- Miscellaneous little stuff like handles for the cabinets and whatnot – $125
- A/C compressor that busted – $100
We were gifted or given:
- All appliances were house-warming gifts from my parents.
- Our Sealy Posturpedic bed was a wedding gift from my parents too.
- Our leather couches were hand-me-downs from my parents.
- Our two recliners were hand-me-downs from my husband’s grandparents.
- Kitchen supplies were wedding gifts from almost everybody…I love my 4 slice toaster and our primo stainless steal pots set and Chicago Cutlery knives!
- Patio furniture was a hand-me-down from his grandparents too.
- Office desk was a wedding gift from my aunt, uncle, and cousins.
- Office chair was a hand-me-down from his parents.
- Office couch was a hand-me-down from his grandparents as well.
- Guest bedroom bed was my husband’s college bed that his parents bought from Ikea.
- Throw rugs were the same ones we had in our apartment.
- Kitchen table was a hand-me-down from his aunt and uncle.
- Blinds were a housewarming gift from the in-laws.
We had everything else that we needed and waited a year or two before we added wood laminate flooring ($2200 a year later), paint and new fixtures ($430 a year later), lawn scaping ($150 a year and a half later), and a new Tempurpedic bed and wooden bedroom set ($6000 last year).
Wow…put like this, I really need to thank our family some more! All of that would have easily have cost us at least an extra $6000 and that is only if I found great deals on the used stuff from Craigslist. Thanks again to our generous family and friends!
Do you remember how much you spent the first year you owned your home? Do you know how much you spend each year now? Do you have any suggestions on how to keep costs down for the current and future-homeowners in our group?
If I get enough tips together, I’ll make it into another post and link to you too…bribery works, right?
June 20, 2010, at 6:01 am

Hope everyone has a terrific day!
My dad has bought a slaughterhouse of meat for us to grill today and I bought him the Fisher Space Pen* set so he can write at weird angles while he’s finishing all of the home projects he’s mentioned. Hope they work as well as all the reviews said.
*Amazon Affiliate Link…if you click here and buy anything, BFS gets a little commission (and I mean “little”, lol).
June 20, 2010, at 6:00 am
BFS is a member of the Yakezie Alexa Ranking Challenge! My ranking last week was 129,304. Now it is 115,668! We are getting really close again!
The ultimate goal was to be in the top 200,000 by July 4, 2010 and you helped me blow that out of the water! Now we’re shooting for 100,000 by July 4th instead. Yep, we’re aiming high and it looks like we can make it!
I would like to sincerely thank all of my readers and the members of the Yakezie Challenge. Obviously, this would be impossible without all of you. I’ll just come out and say it…you all kick butt!!!
In case you didn’t know, Alexa traffic rankings are determined by the numbers of hits a site gets by people with the Alexa toolbar. If you want to be part of this ranking community, you can download the Alexa toolbar here. I’d truly appreciate it if you haven’t already since I’d like all my readers to be taken into account.
If you are a Yakezie member and don’t see yourself on my member list, please send me an email or leave a comment here to be added. I copied the list originally in early March and updated it this week based on Deliver Away Debt’s huge Yakezie tip list. Hopefully I have everybody on the list now, but you never know… Thanks!
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DISCLAIMER I am not a professional or a financial advisor. BFS posts are informational opinions only. Please make your own financial decisions based on personal research or see a financial advisor.
Also, there are paid links on this site. There is no obligation on your part to purchase any products advertised on this website.
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