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soyvirgo · 4 years

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Sunday, August 30

I decided to make a monthly favorites/recap series to document my life for ya’ll. Maybe this kind of thing can help me connect more with my readers, at least I think that’s a good way to connect with readers, right?

This series started in January 2019. You can read my very first post here: Kiki’s Monthly favorites | January (new blog series)

Enjoy this kinda boring monthly recap from my moments in August 2020, but it’s more exciting than the last ones I’ve made hehe ♡

August Favorites 2020 Memories & Moments

The following section is where I’ll share my posts from the month.

Posts from August

20 toxic traits to get rid of (part 1): have some toxic traits? get rid of them now!

Chloe’s (midnightwander) blog post about Alonzo Brooks: I re-shared Chloe’s post!

Toxic traits to get rid of (part 2): the final 10 toxic traits to get rid of in 2020!

LOA, saving up $10k in savings!: I share how I used LOA to save up thousands!

Aesthetic Room Art: giving you inspo on bedroom art!

Lastly, the post you’re reading 🙂

The following are my favorite moments from the month.

Favorite moments from August

The 5th: Reaching my $10k savings goal.

I finally saved $10k after a LONG time of trying to save. Originally my $5k goal started in April 2019. I had like $1k in savings for a while and I could because of groceries, my phone bill and cat supplies. Finally I got some savings and I’m so happy and proud of myself. Now it just has to keep going higher in order to buy a house.

That is my main goal so I’m getting there in a good pace. I’m hoping to get my family and I a big enough house so that we can all live together including my one sibling, mom and myself so that we can all be safe together. We are a pretty close-knit family that doesn’t do too well once we are living separated, so that’s why I hope to get a place for all of us to be neighbors lol

@streamlabs

Luckily I have some people in my life to count on a bit, but I would also like to spread that love and rent out to someone in need. I’m grateful for my landlord who is a family friend of ours. She helped us a lot through out the years. She rented to me and my husband for $500 and it was a pretty ugly basement, but it’s a place nonetheless and with free wifi and washer and dryer. We were really happy. I hope to have that kind of space for a couple one of these days, or just a small family who needs cheap rent.

SOYVIRGO.COM SHOP: Shop is officially open (I MADE MY FIRST SALE!)

Well this month I went crazy uploading stuff on my shop and making graphics. I only want to sell physical products for a little and then start selling ebooks and digital products. These are a few of my items so far:

I will be adjusting everything and adding and removing stuff if I don’t make sales. I just want to see what people like and sell a lot of items that are more eco friendly and a favorite with customers. I’m not okay with selling lots of products that use fabrics that aren’t sustainable so that’s why I’m thinking of just selling a few things and then making more digital stuff eventually.

Also, yes I made my first sale thank you so much you know who you are!! It’s crazy because I didn’t know I had to do more to set up my shop which was kind of dumb of me lol. I didn’t even set up my accounts to collect the money. Very bad, but luckily my friend made a purchase so I was able to ask them to hold on for a bit until I finished the sale.

August favorites 2020: screenshots + photo dump?

Well I always take screenshots to share stuff on my pinterest or “finsta” but I should also share them here with you guys!

i just saw this and couldn’t stop laughing – for me it’s relatable because i felt this way when i quit my gas station job. my boss kinda looked upset that i was leaving but that’s what they get for playing with my check

The 23rd: Meeting my best views ever goal TWICE

I met this goal two times in the month and I’m so shocked!! I’m so happy!

My best views ever so far was on August 23rd when I got 253 views/visits. My last one was around august 8th. Hopefully I can reach those goals every month.

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The 28th: WINNING A GIVEAWAY FROM LIFESTYLEWITHKRIS.COM

So I won an amazing gratitude journal from Kris. Check her site out!

I’m opening it now to show you guys what I got. I’m just so grateful because I haven’t won any giveaways for a long time! You can also purchase the set here.

Giveaway planning: PLANNING MY BDAY GIVEAWAY

I’m planning a giveaway and you can join on twitter, IG, or here. I’m thinking of doing a goodies box with clothes that I brought here but can’t get rid of and that don’t fit me so hopefully someone will love to win them! I also am thinking of doing a $20 giveaway to have more people join lol

Are you guys interested in that and what else would you like in the giveaway? Just let me know!

In the future I would love to have a giveaway with my products, but for now, that would be too expensive. It’s a plan for the future though!

August Favorites 2020 | life goals:

New section! Life goals is like blog goals, but lifestyle related

Make more shop sales

Well, I made a sale on August 28th! In September I hope to make at least 4 sales. How will I do that? I will try marketing. I need to work on my products and come up with a lot of designs to sell and see which do best and which ones are good enough to promote online somewhere. Wish me luck!

Better Sleep

I want to have better sleep because sometimes, like last night, I sleep for too little, and sometimes I sleep too long! I went to sleep at 5am and woke up at 2pm and now it’s 4pm. I have too much work to do on my site to be waking up so late in the day!

YOGA or MEDITATING or SOME KIND OF MOVEMENT

I remember doing yoga back in like 2018 and my body felt amazing, I barely had back pain. Now I have a lot because I don’t have a desk to work at, I just sit on the couch in awkward positions. I also sleep uncomfortably.

So now since I’m completing other goals like financial goals, I want to work on my body now and mental health while also keeping up the financial/work goals.

Digital De-cluttering

In September I have a lot of blog posts planned because it’s my Bday month so I want to make a lot of content related to September babies. I mean my site name is I’m a virgo in spanish, so might as well work more on content related to virgos, right?

I also want to de-clutter my emails my messages my saved content and all that.. but I feel like I won’t complete it all next month. Might have to be done in October.

image of my bujo??

August Favorites 2020 | music:

Milky Way (Boa) – Red Velvet Cover

I love RV so much! I really am into NUEST and RV because it’s cool noticing the similarities between them.

they are both 5 members

the second oldest (joy and minhyun) are the tallest members

they both have a member who are from another country and speak english (aron is from the u.s and wendy is from canada)

the third oldest are the main dancers (seulgi and jr)

Yeah, I just think it’s cool because I love them both so much and would spend my money to see them both!

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Day 1 Live in Japan by Red Velvet

this is an old song but I’ve always loved it. Seeing it live and seeing my fav idol Joy crying makes me want to work more better and be happier so one day I can see my girls live lol

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NUEST’S ALBUM THE TABLE

I’ve been listening to this album a ton on spotify! I can’t get over it the whole album is so good. I guess the only song I would skip is Trust Me. But it’s still one of those kpop albums where I don’t really HATE even one song.

There’s almost never an album that I can listen to all the way through that’s why I don’t STAN many groups. I usually just like one or a few songs from one artist. For nuest, I enjoy most of their songs so that’s why I guess people would consider me a nuest stan and that’s why I would pay money to see them live, just like I did when I went to see bands live in my high school days.

The same goes for Red Velvet, I have a ton of their songs on my playlists and it’s not just 5 of their songs from their whole discography. It’s sometimes almost their whole albums. If you like my music taste, remember to follow me on spotify!

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If you have any fav songs you want to recommend me just list them below! I’m always looking for more artists to find.

August Favorites 2020 | shows:

Nu’est The Nocturne Comeback show and Nuest Lab

So I realized I haven’t finished this show even though I mentioned it a while back. This is the final episode of this series, it ended so abruptly for me but whatever.

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I think i finished this nuest lab series… it was funny and weird, they were breaking eggs smfh

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Itaewon Class

So I’m super obsessed with this show right now. I finally started watching it after it was getting really popular online for some reason. I thought it was popular for being a show for youngsters. Apparently it’s about coming out on top? Well I will try to explain without spilling the beans!

youtube

It’s about a hard past and coming out on top, like the underdog winning in the end. I really like that kind of story because I believe you can get to the top by being a good person, and that’s kinda what this show is about. That’s what it looks like to me at least. Everyone really SUCKS exempt for the main lead, the evil male lead, wow they are so good at being EVIL. I will make a blog post about this show and giving my ratings because OOF there is so much.

I also like the girl that is playing a trans girl. Lee Yoo Jung plays her, and I first loved her when I saw Weightlifting Fairy Kim Bok-Soo! You guys should watch that too. I was watching it probably before I started this series, or before I started this blog even. Anyways, yeah I loved it! I might start posting about dramas I recommend so I can rate them and suggest more for you guys. Would you all enjoy a small series like that?

Related Reads: Netflix shows I’ve been watching

Immigration Nation (finished)

You guys know about this show since I mentioned it this month but if you want to read about it BEFORE watching, then check out the link below!

Read about Immigration Nation before you watch!

It was pretty sad but it shows the harsh truths about what immigrants and immigrant families go through all thanks to the evil trump regime, and basically all regimes? Obama’s govn’t wasn’t that pleasant for all families don’t get me wrong.

Dead To Me (finished)

So I finished this show it was pretty dang good! I recommend it if you like drama and suspense with female leads. Also if you’re lgbtq+ it has some of that representation which is something I RARELY ever see on TV shows.

August Favorites 2020 | blog goals:

This is where I will share my goals related to my site/ working

Instagram

It’s shocking that once I really decided to take a break from IG, I started to gain more follows… weird. Last month I had like 360..

Todays Stats: 385 Goals for Sep: find more blogger friends and make sales through here!

Twitter

I’m finally sooo close to 300…

Today’s Stats: 254 followers Goals: 500 followers

When I started editing this post which was on August 8, I had more than 6k followers, more than 6 million monthly views and 500k engagement. Now it’s finally September and I reached a whole million more than the beginning of the month. I only hope to reach my goals of getting 10m by september!

Today’s Stats: 7k+ follows, 7 million views Goals: 10 million monthly views by the end of September! I’ll try to work extra hard!

WordPress

I barely get 200 views now but that’s a huge upgrade considering I would get 50 views daily in the beginning of last year. I’m really happy because it’s so hard to get views up so quick and I somehow did it in about a month.

I met my goal!

Last month I wanted 5k monthly views and I met that goal. I was at 4.7k and this month went up by a lot! I didn’t reach 300 daily views but hopefully we can work towards those bigger goals. I guess in the end it’s best to get comments? Or maybe shares and going viral and making sales. That might be a bigger goal now. I would love to reach more viewers who enjoy my content and find my posts helpful because that’s really why I started my site in the first place.

Today’s Stats: 200+ daily views, 5,700+ monthly views Goals: 250+ daily views, 5,700 monthly views, 300+ followers.

I accept guest writers and regular authors! If you want to write articles here, just click my collab link!

Thanks for reading my August Favorites 2020!

what were your favs of this month? anything you did that was memorable? what do you have planned for next month?

kofiwidget2.init('buy me a ko-fi', '#a6decf', 'P5P67FJC');kofiwidget2.draw(); Last post: Watching Immigration Nation on Netflix and how to help!

Read more: JUNE MONTHLY | JULY RECAP | SHOP MY STICKERS!

LOVE, KIKI

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August Memories | Meeting goals, giveaways and more! Sunday, August 30 I decided to make a monthly favorites/recap series to document my life for ya'll.

#august favorites 2020 #monthly memories #monthly moments

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optimisticpoetrypost-blog · 6 years

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Goshen Massachusetts Cheap car insurance quotes zip 1032

"Goshen Massachusetts Cheap car insurance quotes zip 1032

Goshen Massachusetts Cheap car insurance quotes zip 1032

BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr

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Goshen Massachusetts Cheap car insurance quotes zip 1032

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How much will my car insurance be?

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Do car insurance rates go down in the time you have you license even if you don't have car insurance?

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How much do you pay for car insurance a month?

i have a 2001 Toyota Rav 4 and my parents tell me to give them $100 a month for car insurance, does that sound right? how much does car insurance usually cost?""

I am single. Do I need life insurance?

I am a 40 year old guy in good health. I have health insurance. Do I need life insurance or some other kind of insurance?

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I am paying $3,099 for 2 cars.They said it is high because my 19 year old daughter is listed as a occasional driver and it's her age.My husband and I have a clean record and we ...show more""

What are the listings for African American or black owned auto insurance companies and agents.?

I want to support my people,because no one else is going to support us. Many immigrants only support their business owned by their people,but we blacks have very few businesses. We need to unite and support each other to survive in this every changing country. It feels as if we are second class citizens in our own communities. We have to do business and pay for services of people who dislike us,because we have no alternative. We blacks need to control,manage,and build business in our own communities. P.S. I love America USA is # 1""

Will I get dropped from my insurance?

Hi, i took a urine test with my doctor the other day. I asked what h was testing for and he said everything , so Im not sure what hes testing. He said he was gonna check for diabetes and what not. I was wondering, in the case he drug tests me can he tel my insurance? Can I get dropped from the insurance for this? I smoked weed about 5 weeks ago. I live in California amd hnet is my insurance. Thanks!""

Goshen Massachusetts Cheap car insurance quotes zip 1032

Will the car insurance pay for my car to be fixed?

i was rear ended. its the other persons fault. the kid that hit me was driving their parents car. the parents had insurance on the car but the kid wasnt listed as a driver. just the mom and dad were. i was told since the car is insured then the insurace will pay for it no matter who was driving. is this true?

Difference between comprehensive and third party insurance?

hi all. What is the difference between comprehensive insure for your car, and third party insurance for your car. please help. and thankyou in advance (:""

Can't afford Health Insurance...?

I'm looking for advice...and hopefully someone to tell me that I'm not screwed. My boss graciously offered to find group insurance for all of her employees and she is willing to pay 50% of the premiums. The problem is that she went with the most expensive plan on the market (that I've seen) and I simply can't afford it. The premium is $340 a month, so I'd be paying $170 which isn't bad...but the copays are at least +20% on everything and doctor visits range from $35 to $55 a visit, so I wouldn't be able to afford to use my health coverage often. It also doesn't include dental, which is what I really wanted/needed. I am 21 years old (and all of my coworkers are in their 20s), so I don't really understand why the payments are so high. I'm right in the midst of paying off student loans, I don't get paid very much, and I was hoping to start saving money to purchase a car and be able to go back to school. I was going to use my income tax return as a down payment on a car, but if I opt out of healthcare this year at least a fourth of that return will be taken as the fine imposed to coerce people to sign up for the Affordable Care Act. I seriously don't know what to do. Neither of my parents have health insurance, so I can't be tacked onto their coverage. I was planning on telling my boss to opt me out, but she went ahead and signed me up so I'm looking at getting $170 taken out of my check right before Christmas either way. I actually found out how much it was after she signed me up...I don't even know how she did that without confirming everything with me. Am I completely screwed? What would you do?""

How many hours do you have to work in California to be eligible for health insurance?

I work 35 hours a week, and have no health insurance. Am I eligible? Should I question this?""

Health insurance for a pregnant college student?

Okay, so my baby is due in August, and that will be in between semesters. so the only way that my parents insurance will cover me is if I am still considered a full time student, which means I'd have to be enrolled in the next fall semester. By then my baby would only be a month old, and my university is 4 hours away from my mom. so my question is: what other ways could i get health insurance? is there a good online school that i could do, and would i be considered a full time student if i took online classes? and/or what companies offer health insurance benefits and what do you have to do to be eligible? thanks!""

I am 59yo. Is it wise to carry a term life insurance for 100K? What are the advantage to this? I am divorced?

I am retired. My premium cost is $680 per year. It is a 20 year policy which I picked up when I was 59, now I am 74 yo. Give me your opinion.""

Car Insurance Claim for a respray?

My Ford Galaxy 1998 has lots of scratches all over the body work. Some are malicious where someone has keyed the car, others are from where a car has parked next to me and scratched mine, but the most recent one is from when i reversed into a pillar and scratched the back end. The question i'm asking everyone is am i able to claim on my car insurance for the malicious scratches? For the damage done by another car that i didn't report? And also the damage i caused? I have 6 years no claims bonus (protected) will it be affected? and an excess of 150. Am i able to make a claim for all the damage or will i need to pay where i have damaged it? Any advice please.""

How do I determine my house's replacement cost to get an accurate quote from insurance companies?

To get a quote, all of the companies are asking for the replacement cost. I've read that only way to get that is to hire an appraiser. So does that mean I get an appraiser first, THEN start getting insurance quotes? What do I do here?""

Why is my car insurance going up if I have a good driving record?

I just moved about a block from my old rental (old lease was for 2 years) so I updated my address at my insurance. The policy went up to about 100$ a month which I don't understand because I have been told I am low risk and in the preferred age category 25+. I have a cousin about 9 years older who has multiple accidents, claims and tickets who only pays 60$. So what the heck is going on? I am comparing apples to apples on deductibles but it seems as if the insurance companies are punishing me for having a clean record with no accidents. I am just about 30 years old and only have one car a 2000 Saturn LW2 that I've owned outright for 6 years without payments. Even my younger friends who still party and drink pay lower than I do. Is it possible there is false information that the insurance companies are basing my rate on? The lowest rate I have been able to find is 70$ a month... but everything else is over 150$ per month......grr. I am a complete square and only drive up to 5 miles total a day for commute so I don't see why I should be paying so much. I was told by a friend that I should have had a price drop when I hit 26 because that is the cut off for DUI risk but it hasn't happened.""

18 Year old car insurance.?

Hello, I am looking at car insurance and the cheapest I can find is between 2,800 and 2,999 based on a corsa and the price changes depending on the year I put. I do not want a fancy car just something safe, secure and that I can drive. That quote only changes by about 50-100 by adding my mom and it goes up not down by doing so. This quote is tracker based with insure the box. Please can you advise on cars that may be cheaper or ways to cut the cost. I have had a licence 4 months but will be 5 in the new year so i am basing it on that. When just trying quotes based on 6 month licence (coming up soon) and with a 1 year no claims (can do with no claims accelerated insurance but not may companies and they say they not quote me) and the price was 1,8500. Thanks""

Lower Home Insurance Quotes?

Would having a new roof, windows, garage door, updated kitchen. increase or decrease homeowner insurance quotes??""

Are there any insurance companies that will cover Suboxone?

My girlfriend takes Suboxone strips twice a day and the Suboxone cost was covered by a program she was in. That program recently expired and we are trying to find out which insurance companies would cover the drug because she simply can't afford to buy the strips out of pocket. She only makes about $200-$250 a week so we were trying to find a low income solution. Are there any companies that we could potentially look into? AETNA is one that we are considering but we wanted to see what options were out there.

Cheapest car insurance?

ok so im a 20 year old male, ive had my license for about a year, im about to insure my sisters old minivan, its a 99 siloutte. what would be the cheapest insurance company to go with and does anyone know about how much that would be??""

Why do I need title insurance?

I'm buying a piece of property, the lender says I have to get title insurance, why?""

Why do people say car insurance will be more expensive if you get a new car?

i have a ford taurus 1996 and i just ran a quote with the same insurance company am with now which is Geico for a 2011 Ford Taurus SHO and surprisingly the Ford Taurus SHO 2011 was cheaper by $200

Would you let someone ride in your car who didn't have health insurance?

Would you let someone (maybe your friend or someone you know) ride in your car who didn't have health insurance?

""3-car accident, what will insurance do?""

I was in a 3 car accident, I was the middle car. It's stop and go traffic at a red light, the line is backed up a good way, and the person in front of me stops. I stop behind them, but the man behind me doesn't stop. He hits me and pushes my car into her car. His car seems to be flawless, the vehicle he knocked me into also seems unharmed, maybe a scratch on the bumper (it was like a jeep or explorer, so my car went up under hers a little) and the front of my car is a little messed up. The police will file an accident report, but while I wait, what can I expect? I'm expecting his insurance to cover the repairs to my car, because this was in no way my responsibility, he hit me into her, I was more or less a ragdoll vehicle. Yes, I hit her, but it's not because I'm a bad driver, I cannot control being hit into another vehicle during a line at a red light. And though it was never mentioned (I was a little shaken, my mind wasn't clear), I am almost certain he was on his phone because he was looking down and doing something when I looked back after he hit me. It's too late to mention that, but yeah. Got the registration and insurance for it 3 hours before I wrecked. Had the car a week.""

How much will health insurance cost us?

My boyfriend and I are considering moving to the United States, the state of Florida. We have pre-existing conditions, neurological and we are 36 years old. We would like to know how much money we will have to paid monthly for a health insurance that covers costs such as medical visits, exams, prescriptions and dental care.""

How much will the insurance cost?

Yamaha DT50MX, how much will the insurance cost, Monthly or yearly also monthly wise how much do people spend on petrol?""

What is the cost of an insurance for a 250 cc scooter? (Louisiana)?

I know that there are many options, but a vague answer is fine. I just want to know if it will be around 100$ or 500$.""

Looking For New Car Insurance Company. HELP!!?

I need something with the fewest complaints yet the cheapest rates. For two cars and only half coverage we are paying over 200...

Ne 1 know a cheap 4x4 insurance company?

Health Insurance Costs?

Our health insurance premium is nearing $14000./year. My husband is a retired school teacher, and paints houses to make this premium. Pretty soon the cost is going to exceed the amount he is able to collect in Social Security - How about getting these companies to lower these premium. Seems like those on welfare have better insurance than those on private pay""

Insurance wants to total my car?

So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. The insurance guy came and just got a call back saying that they want to total my car and pay for it. The car is a black 2002 jetta 1.8 turbo from a small local dealer and has 140,000 miles. Im currently still paying it off and the car cost me $6000. Here is my concern, they haven't told me how much they plan to give me for my jetta but i went on craigslist and the average cost for a 2002 jetta 1.8t is around what i paid from $5000-$6000, will the insurance give me that amount because bluebook says my car is worth at most around $3400 in excelent condition and at retail value according to bluebook is around $4500. All I'm concern with is either my car is restore to the point before the accident or if they get me enough money to buy a new jetta of equal or greater quality. Restoring my car car i guess is not and option which I'm ok with but what if the amount they give me is not enough to go buy a new jetta from a small local dealer will they give me more money or how does this whole process work because I've never been in this situation.""

Penalty points and insurance?

if i take out insurance with no points on my license then a couple of months later get 3 points for a ts50 do i have to contact my insurance company to tell them or not?

Goshen Massachusetts Cheap car insurance quotes zip 1032

Short term car insurance quotes?

Hi, are there any car insurance companies that can offer car insurance for a short term (6weeks) for young drivers? Im 19 and had my license since april now, but not been able to get my own car as im going to uni in september and cant afford to buy and insure one for a year. My boyfriend has just got a new car and is offering his old car to me for the weeks before uni to get to work etc so im after insurance for 6 weeks only but all the ones i have looked at wont insure a young driver. I wanted to go with Diamond insurance as they are cheapest for me but not sure if they will offer me short term cover. Help!""

How much money do you typically get back from your insurance company if your car is totaled in an accident?

I was at fault, my car is the only one totaled. No one was injured...""

AA insurance terrible?

AA insurance sent me a renewal letter for car insurance. The bill was just over 900 pounds. Bearing in mind for years i just paid and didnt shop around . This time i had more time on my hands and i shopped around, the only thing i changed was no claims protection. Apart from this it was identicle. I went on compare the market.com and found esure who quoted me 425 pounds has anybody else found the AA to be expensive. The AA said they had shopped around for me and they had given me the cheapest quote. But i got my quote in around 8mins and 500pounds cheaper.""

""Im 18, and im bout to get my motorcycle license, and a bike, I want to find a cheap insurance. Does anyone?""

anyone know where I can find a cheap insurance in pa? I looked at all the big names, and it was 700-500 a month. I know ther are places that will work with the price i just need a little help finding them thank you.""

Whats the cheapest car with cheap insurance?

im looking for when i pass my driving test a cheap car for about 1000 that will have cheap insurance i just want like a make and model

Health Insurance plan with no pre-existing clause?

Does anyone know of any health insurance plans for the Chicago area that don't include a pre-existing clause? Or more specifically, ones that immediately pay for Remicade after switching insurance plans?""

What is the average cost for a phacoemulsification without insurance?

What is the average cost for a phacoemulsification without health insurance?

""With the new Obamacare, how do I get insurance if I am 19?""

I was looking at the calculator for the new Obamacare (google Obamacare calculator) and I noticed that there is not an option for someone under 19 getting insurance for themselves...and I am still considered a child. My family does not have insurance but I despereately need it, and was just wondering how some like me, a full time student and 19 years old with a part time job, gets insurance...or am I not allowed to have insurance because I am 19? I have never been able to afford insurance before, but now will it be more affordable? Sorry, this Obamcare thing confuses me but if this is a chance for me to get insurance I want to know all I can about it! Bt so far all i can gather is you have to be 21 or over to get your own insurance. And please don't tell me to get a full time job and get company provided health care...someone has told me that on an answer before and I stuggle just having a part time job and going to school full time...a full time job is just not plausible right now and NO I am NOT LAZY thank you very much.""

Can i claim it on my insurance if i damage my car under third party fire and theft rules?

I accidently damaged my own car slightly, but i wish to get it repaired, im thinking it will cost alot to put right, can i claim it from the insurance i have third party fire and theft??""

How much will i pay per year in motorcycle insurance?

20 years old. No car drivers license, first time rider. planning to take the motorcycle safety foundation 3 day basic rider course. Live in new york city. Looking at a pre 2007 used honda rebel. not looking for an exact quote, just ballpark what i should be expecting.""

""Motorcycle questions? Good old, cheap and cool bike? Insurance?""

Im looking at buying a motorcycle! :) I dont need one that is too quick, I just learned how to drive one and I loved it. I want to get one for the summer. I dont want to pay over 1500, and it doesnt need to be too fast. (what is the 2002 honda civic of motorcycles?) I just want it to be kind of cool looking. I saw a 1985 honda (with the wing on it?) that looked really cool. Im 17, and I want to get one that will only be insured for the summer. For one with a small engine, what is the insurance cost? I know it varies, but does anyone have any ideas? Thanks Matt""

Car insurance rates for teens?

I just got my drivers license a little more than a month ago. My parents are telling me that they're going to wait for another year before they add me to their insurance policy because it'll be less expense by then. Is this true? I also read somewhere that the earlier you add a teen to your insurance policy, the rates will lower quicker because they insurance company know that i'll have some experience by then. So if my parents add me to their insurance policy now, would it be lower in a year compared to them waiting a year for them to add me?""

Car insurance advice?

I am 20 years old just got my license in February my car insurance is currently 217 with abc I can't afford it so where can I get a cheaper insurance I know because my age cheap isn't a option but 200 is insane.. or would it be cheaper for somebody to put me on their insurance with my car!! HEEEELLLLPPP btw I have a 06 mazda 6

Where can I find cheap motorcycle insurance?

I recently bought a Honda CBR600F4I and am looking for inexpensive insurance. Any help would be greatly appreciated.

Who offers parked car insurance?

My husband is deployed with the Army and I went to stay with family out of state while he is gone. We left his car at our duty station and we still owe on it. Progressive does not offer parked car insurance and I do not want to pay full price when neither of us are going to be anywhere near the car for a year. Are there any companys that offer parked car insurance or is there anything else I can do until we pay it off?

What are the states that offer the best insurance premiums ?

What are the states that have the best insurance premiums for auto and homeowner's premiums for someone who is a LOW risk and have a very good history? Honest answers plz.

Car insurance__________________?

How much do you pay for car insurance? (in a year), mine is going to expire in november (november, 30) when I am supposed to go to the agency to renew it? Can I go for example on november 1st?""

Cheapest car for insurance?

My parents have agreed to get me a car, but the insurance has to be cheap. We have allstate and i have no idea what the cheapest car would be to get, insurance wise. thanks for any help!""

What is good website to find affordable health insurance?

How much will my insurance be?

Hi, I've just had a small accident and im in my first year driving, i already pay 80 a month foir my car as its only 2 years old. will this go up really high?""

""CAR QUESTION: If a car is registered in my name, will it be costly for my INSURANCE?""

I am 21 years old and I am planning to buy a used on so that it will not be expensive for my insurance. WHICH OF THESE IS BETTER: -Register the car with my name and pay like 3 thousand dollars for the insurance or. - Register it with the name of my Dad. If it is registered with my Dad's name in it, will that be cheaper to my insurance?""

Where can I find cheap car insurance? ?

I live in Cleveland, OH... im 18""

What company has the lowest auto insurance rates? I tried looking on wikipedia but I couldn't find it. I'm?

Who has the best and cheapest auto insurance?

In southern California

Health Insurance Advice?

I'm currently laid off and need insurance for myself. I'm not sure what insurance company to go with. Also I'm not familiar with how health ins works. Like deductibles, co-insurance percentages, office visits covered or not covered. I don't go to the dr a lot but recently I've been in a car accident and will be going to the dr more often. I also don't want to pay that much either.""

Goshen Massachusetts Cheap car insurance quotes zip 1032

https://www.linkedin.com/pulse/which-life-insurance-best-among-below-list-steven-garcia/"

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colorfulsuitdestiny-blog · 6 years

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Do they drug test a newborn if the mom has private insurance?

"Do they drug test a newborn if the mom has private insurance?

Please read the entire post before replying. I have heard many conflicting stories. Some people say that they automatically drug test newborns if the mother is on medicaid. Some ...show more

BEST ANSWER: Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr

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I am 16 years old, soon to be 17 and am looking for a reasonable car insurance quote. I am aware that being male and 17 both work against me in this situation, however the best quote I have found so far was with eCar at gocompare.com for 2340. I am thinking of getting a cheap 1996 Vauxhall Corsa as this has been the cheapest to insure when comparing quotes. I have tried Directline, gocompare, comparethemarket, moneysupermarket, tesco compare, insurance.co.uk, confused.com, uswitch.com, and beatthatquote.com. I really need something lower than what I have found so far, if you have any suggestions they would be greately appreciated. Thankyou.""

Anyone please help !!?

im 16 and i want to klnow how much car insurance is going to be. i dont want an exACT FIGURE BUT A ROUND ABOUT PRICE FOR statefarm with all the discounts taken out for being a good stundent and taking the drvers ed my car is already paid off and its a sante fe

Average insurance cost for teen drivers in Ohio?

Can anyone give me an estimate by any chance? I know the best way is to just get a quote but right now I'm trying to get some figures up there before I convince my mom into getting a quote.

Car Insurance questions?

If my wife and I are separated, She took one of my cars...can I take her off my insurance policy so that she can insure herself?""

What would the price of insurance be for a 16 year old male after going through drivers ed and taking the...?

behind the wheel license test through the school? I am getting my license in a couple of days and wondering how much it would cost just in case i have to pay for it. We have a 2004 trailblazer, a 1999 grand prix, and a 2000 ford ranger. I get good grades and im not sure what else you need to know. Im in az. Im wondering because i cant put my info on the internet for a quote so i just want a ballpark monthly price.""

Assurant Health Insurance?

At a previous job I had good health insurance but adding my husband was costly so we got him BCBS IL through a local insurance agent. He is not the type to go to the doctor very often so a very basic plan is what we got him. It started out only being $160 for 3 months; now today I received a letter that it will be going up to $250 for 3 months. I have changed jobs and kept my insurance for awhile through Cobra but eventually found different coverage because the Cobra was so high in cost. But of course it has went up to almost $300 a month. I have been searching online for health insurance and found Assurant and it seems like I can get good coverage at a fair price. Do you have assurant? Do you think it's good coverage? Do you have any problems with using it? Any advice would be greatly appreciated. Thanks!

Car seat and insurance question?

If your car seat is stolen out of your car, is it replaced because you have car insurance? I have car insurance, but I don't believe it said anywhere they were going to replace personal belongings. I have 'full converge' or whatever you call it, and I'm pretty sure that's only going to fix my car... Am I wrong?""

Lying to insurance company?

The other night I hit into a pole in a parking lot and no one saw, and caused the pole no damage. However, the front of my car has a small damage. Money is tight. What if I were to tell my insurance company that I did not know how it happened and I'm looking to repair it...""

Can an insurance quote lower you credit score?

I am looking to buy a car soon ... but I am a new driver and I know my insurance will be hight ... I am planning to go insurance company to insurance company to get quotes. Does that lower my credit score?

What are some sites to do a comparison on car insurance?

I'm a 21 year old college student and a worker at a fast food restaurant who lives in California. I'm planning on getting a car soon in the future but I want to find out on where I'm at when it comes to payments in car insurance. Is there any comparison sites that can provide me at least some general ideals when it comes to car insurance payments?

Cheapest insurance companies for 18 years old guy?

Hello, does any one know any cheap insurance for `18 years old boy. Im looking forward to buy: 1) vw polo 2001 1.0 2) skoda fabia 2001 1.0 3) Seat ibiza 2001 1.4 Thanks !!""

Will I need SR 22 insurance?

Almost five years ago I got my license suspended in Ohio for a wreckless endangerment. As soon as it got suspended I did the classes I was required to take and paid my court fees. It took me a few years to pay all of my fines and the only thing keeping my license from being re-instated was the need for SR22 insurance. I never got the insurance. I'm now in California and looking to get my license back and I heard somewhere that three years after the suspension the need for the SR 22 bond drops, but I'm not sure if that's true or not? Does anyone know the laws for this situation in Ohio and will I still need to get the insurance in order to get my license unsuspended?""

Car Insurance can anyone help please?

I am due to renew my car insurance i have just received my renewal quote, I am fully Comp and have Uninsured Loss Recovery. My quote states that this does not include Legal Assistance. Do l need legal Assistance lf l have fully comp insurance with ULR ? I have looked on the web and ULR and Legal Assistance seem to be practically the same thing. Any help would be appreciated, Thanks.""

Young drivers car insurance question?

i am 20 years old in april and my car insurance is sky high beeing quoted 5000+ for a little 1.1 car there must be a way for it to go down as i see people younger then me driving round in bigger litre cars then me anyone know the secret?

New york car insurance?

Fyi i have liberty mutual coverage. So my son will be receiving his license soon, and i want to know what the best option for him would be. My household has two policies, one that my daughter holds and one that i hold. I have two pretty expensive cars on my policy, and my daughter has my old car (clunker) and her own separate policy. When my son gets his license i want him to drive my daughters old car, while she is at college, and when she is back they can share. So if I were to list my son on her insurance, would he be able to drive my cars? ( like when his is in the shop). Or would it make more sense to put him on my policy? Thank you!""

What is the average cost of Health Insurance adult woman who is a Registered Nurse per month?

Health Insurance for a healthy, non-smoker, fit woman???????""

Parents own car and insurance but im moving to California with it.?

My parents own the car and the car insurance is under their name. Im pay them montly but its cheaper that why i think. Im planning on moving to California in june but I need to take the car with me. Is it ok if I jus take it over their with no problem or do i need to put the car under my name as well as the car insurance? but i rather not change anything. thanks

Do they drug test a newborn if the mom has private insurance?

Please read the entire post before replying. I have heard many conflicting stories. Some people say that they automatically drug test newborns if the mother is on medicaid. Some ...show more

""If insurance companies are so evil, why buy insurance?

If insurance companies are so evil and make obscene profits; why not take your money and put it into the bank until you need it for health care?

Can my grandmother add my car to her auto insurance policy?

I have a car that's in my name, with no insurance. I wanted to know if my grandmother could simply add my car to her policy. I'm a 19 year old male, if that makes any difference.""

Why is it so cheap to live in America? but your hospital treatment is so expensive?

do these insurance schemes really cover you for major surgery?

Why such a difference between insurance quotes on a 2011 Challenger?

I got quotes from Geico, Nationwide, and Progressive I chose full coverage 500 dollar deductible on a 2000 Silverado 1500 4X4 3DR and a 2011 Dodge Challenger SE 2Dr Coupe This is for a 20 year old guy with clean driving record. Why are they so different? These are the prices I got Nationwide - $603 a month Progreeive - $450 a month Geico - $187 a month If Geico didn't offer it for $187 I would not be able to buy the 2011 Challenger. Does anyone know if Geico will go up to $400 or $600 a month after my first 6 month's I really need to know cause this is my last deciding factor before buying the Challenger?""

Where can I find cheap auto insurance after a DUI?

I have a bad driving record that includes a DUI and driving with a suspended. I am looking for some way of getting reasonable priced auto insurance in Florida. I went to Geico and they want to charge me around $700 a month! Also what is an SR-22? Any help would be great. Thanks.

Want to sell my insurance idea?

I have a unique idea 4 a short term insurance in south africa. How do i sell it 2 insurance companies?

What is the best way to compare auto insurance quotes?

I am needing to find new car insurance, and I of course would like to shop around for the best deal. Can anyone recommend a good site that will compile your information and give you multiple accurate quotes from different companies? I am leery to enter my information into a third party database, so confidentiality, professionalism and no spam is a must. Thank you!""

Should my insurance really be 1950 on a 1.1 peagout 106 at the age of 18?

hello, should my insurance really be 1950 on a 1.1 peagout 106 at the age of 18 for third pary, fire and and theft, this really seems steap for a 1.1 litre, its not modified or been changed in any way or form, please help me get it cheaper lol""

Difference between term life insurance and permanent policies?

My insurance company is offering a term conversion credit if I switch to permanent insurance. What's in it for them, and what is permanent insurance? Whole life? Any benefits for me to change?""

Help Car Insurance help?

Im 16 and im gettin a 2003 cadillac CTS when i get my licences and i have a few questions. The car is $10,932 how much would the down payment be also how much monthly plus insurance?""

How much should I expect for car insurance in New York City?

I'm 20 a full time student and I was looking to buy a used car. I was looking for a Honda Prelude 1996-99 and I just got my license this month. Around how much would I be likely to pay for it per month? I tried getting a quote online but they haven't been able to make one for me. I'll probably get a car around September and was just wondering how much I would be paying for the insurance. Thanks!

Around how much would car insurance be if im under 21?

Like if i go under my parents insurance, how much more would it be? Thanks :)""

Switching car insurance?

I am thinking of switching to Esurance, it's about $25 a month cheaper than my current insurance. Anyone have any experience or knowledge of Esurance? How hard is it to switch?""

How soon after purchasing a car do you need to get insurance?

i live in florida and i just bought used vehicle... how long do i have to purchase insurance... also can i register the vehicle without insurance?

""Hi fellow seniors, do you have household insurance?

With so many thefts of late and now mass flooding in and around the UK I hear so many cases of people being out of pocket as they're uninsured. Thankfully hubby and I can just about afford to pay it and so far so good we haven't needed to make any claims. With insurance costs at a premium I wonder just how many of you can afford it?

How much would i pay for insurance?

I want to buy an 2010 Nissan Cube, around 14,000 new and im 17, living in Ct. I was wondering how much i would pay for insurance, if its too much what other car should i get, i want to get a new car so can any one help me, my grades aren't too good, i would pay for it my self and i can afford about 150 a month since ill be paying 184 a month for the car with 60 months and 3000 down.""

How does a car insurance work?

So the other day i hit an 06 mustang and it left a 1 inch dent it was very small i exchanged info and all then the lady called me and told me the damages were $1008 my insurance said they are going to go check the car to make sure, i was just wondering the dent seemed like a $250 dent will the insurance give them what they say or what the lady says its supposedly worth?""

Does home insurance cover acidental damage?

I acidently spilit water on my laptop and broke it. Would home insurance cover this?

Does anyone NOT have health insurance?

How did it work for you to not have health insurance? Money is really tight these days and my husband and I are going to stop our insurance. But we are going to put our daughter who is almost 2 on CHIP. (Children's Health Insurance in Pennsylvania). So my question is for parents.. What are the pros and cons of not having health insurance for yourselves? and has anyone used CHIP and did you like it? Thanks everyone!

Speeding ticket & avoiding insurance increase?

I received a speeding ticket the other day for going 14 over. This is my second citation in the past year. The previous one being for failure to yield. I CANNOT have this second citation on my record because I can't afford the insurance increase. A friend of mine said he took an online traffic school course and it negated his speeding ticket and kept his insurance rates from increasing. I've found several places to take the online courses for my state, but they don't say whether receiving the certificate of completion will do anything to help remedy my situation. I need to know 1) Reliable online traffic school 2) What to do with the certificate of completion once received (mail to whom? call where?) 3) Does completion of the course guarantee maintained insurance rates. 4) Should I pay the ticket as soon as possible, or wait until after I've completed the course to see if it will negate the fine. Don't tell me just stop being a crappy driver or LOL your fault. I understand my irresponsibility. I just need the answers to my questions, nothing more.""

What wold be the cheapest and best insurance?

I'm 19 and a full time college student and I live in Wisconsin. I have a work study job at school as well as a full time job in the summer. I live with my grandma because I was technically abandoned by my mom while in high school and she is unemployed so I don't think she has insurance. I wrestle in college and earlier this year I sustained a concussion and a few days afterward I got rear ended which made the symptoms a lot worse. Theyre insurance is paying for some of the bills but not all. So what insurance should I try to pursue.

How much is motorcylce insurance?

Does the price vary from different insurance companies, and if so would it be cheaper then car insurance?""

Is insure 24 ltd a legit company?

I recently was offered a job with this company out in the UK called insure 24 limited and don't know whether they are legit or a scam... I just need extra insight before i go any further - also they don't use a free subscription email address which is also another reason why i'm thinking they are real.

Why are older motorcycles cheaper to maintain and cheaper on insurance?

looking to buy a 1987 Suzuki Intruder

Could this be health insurance fraud?

Hi, I over heard someone that I know talking to their Significant other, and one implied to the other that the guy I know is letting his mother use his health insurance for something, I'm not sure what. What could someone be doing, across state lines with their son's health insurance? Should I report this? Who would I report it to? I could probably figure out what insurance company it is. Thanks for any input.""

Do they drug test a newborn if the mom has private insurance?

Please read the entire post before replying. I have heard many conflicting stories. Some people say that they automatically drug test newborns if the mother is on medicaid. Some ...show more

Cheap health insurance in Pennsylvania?

Which companies have good coverage in Philadelphia, and have affordable plans (~60-70 bucks). I'm looking at moderate deductible plans with copays for doctor office visits. Also, ...show more""

""Hi, Maintenance cost for 2001, BMW 318 sei series?""

hi, I am thinking of buying my frist car, and i was thinking of a second hand year 2001 BMW, about 80000 miles, just wanted to know whats the servicing and maintenance cost for a BMW is like? Is it expensive ? does it break down often or is it a solid car? Otherwise i might look for a japanese model or a hyundai coupe. I was thinking of peugeot 206 as well and VW golf. hows the insurance for all of these car? Which car is better for a fresh graduate like me?""

""If I have no car or house, do i still have to pay taxes and insurance?""

When I'm 18, i will use the bus and an apartment in Miami do i sitll have to pay any type of taxes? (besides the money taken from my paycheck at work) Also, is the only insurance i have to pay is life insurance and health insurance? How much will those cost me?""

What is the best health insurance in CA right now?

I need help. I don't have health insurance right now and I want to find an affordable one. I live in San Francisco, and I work part-time. I look at Athem insurance and it was around 60 bucks a month. I can't really afford that right now. Is there any other health insurance that is affordable and good?""

Does anyone know an insurance plan for health and dental?

I am in need of health insurance and dental and i a in between jobs does anyone out there know a decent affordable insurance company that offers help to people like me thank you in advance

How much do you pay for car insurance?

What company are you with? How old are you? What kind of car do you drive?

Do you need full coverage insurance to take a driving test?

How does that work? Me and my boyfriend just got a car & I still need to get my license in order to get full coverage insurance, but can I take my driving test without full coverage? I'm in a bit of a pickle here any opinions would be great! I live in California.""

How much auto coverage should I have in Wisconsin?

I own a 2008 Scion tc, and a 1990 Honda Accord LX. The Scion still has a lien against the title, and I have full coverage for this reason. I use my Honda as a primary car to drive to and from work with liability coverage only. What I have for coverage now is: Bodily Injury: 500,000/person 1,000,000/accident Property damage: 500,000/accident Underinsured and uninsured: 500,000/person 1,000,000/accident Medical Payments: 10,000 Comprehensive & Collision: 500 deductible Is this too much? My agent said something about a new law in Wisconsin making it stack for each car, so technically, I have double that coverage, and my premiums just went up. I'm looking for a way to get some cheaper premiums without exposing myself to too much risk. How much insurance do I really need?""

How much would insurance for a land rover be?

I'm 16 a girl and I have straight a's if that matters. I'm thinking about getting a land rover rl2. How much monthly would everything cost(gas insurance and payment) I live in Southern California btw

Is 2500 a reasonable car insurance premium for me to pay?

I'm 19, male; newly passed; buying a cheap car (with lower insurance group); what should be the approx. price I should be paying? Coz 2500 is as low as i can get in those comparison sites and that also after adding my mom (who has a provisional license) as the 2nd driver....is there any other combinations i can try? Also should I try Pass Plus, coz it didnt seem to make that much of a difference in the insurance quote! thanks a lot everyone for your time and effort!""

Car insurance question?

So my policy was just cancelled and I need to purchase auto insurance ASAP but I don't get paid till next friday. Is it possible to purchase car insurance and pay later or do I have to pay same day???

Best Health insurance for a young mom and college student?

I'm looking to find a health insurance suitable for me, a young mother (20) and college student. I did have Medicaid but they're saying I make too much and I'm only allowed to make 188 a month.. O_0 So I decided to just stop wasting my time and invest into my own insurance. My fiance said maybe I can get on his after we get married but Idk about that. What are some good affordable Health insurance for someone like me?""

Did you get Affordable Health Care?

My husband & I have insurance & it didn't change but my daughter & family got Affordable HC. Their previous insurance was $1,200 a month. They are now paying $325 so there's was a very positive experience. We're in California. They had a really hard time getting into the wed site but persevered & are happy with the plan. It covers their eldest son who is in college & has Type I diabetes & their youngest son who suffers from asthma. Does anyone else on YA have a positive experience to share? What State are you from.""

Whats a good cheap sports car?

Hello i need some help. This is my situation I'm 20 years old i live in Connecticut and I'm looking to purchase a car (used). I have about $2k cash to put down on it. I would say my limit for price would be about 6-8k due to financing fees taxes etc (credit score of 731). Now what I'm looking for is a pretty fast sports car to use as my DD.(I currently have a 89 mustang lx 5.0 which gets about 10 mpg city) Not very economical as a DD when gas is over $4 a gallon. Anyways back on topic, I found a 2002 wrx for 8k but got quoted for an insurance rate of 2k-3k. So this is out of the question! I make about 200 a week at the moment and pay $100 cell phone bill and $100 a month for rent. So my funds are limited for insurance + car payments. Basically i need to know a reliable cheap fast sports car i can get a good insurance rate on. But it also has to get good fuel economy! Sorry for the long rant and me being so picky but please help!""

Bicycle insurance?

i bought a new bike yesterday from JJB and i just called in JJB today to find out if they do bike insurance and the lady told me that they dont! where can i get bike insurance from?

What is the cheapest auto insurance ?

Is safe auto cheaper than pronto insurance?

Car Insurance/homeowners insurance?

Is Response Insurance a good company? I'm looking to lower my current rates with American Family. Response gave me some really good rate quotes.

V6 mustang and v8 mustang insurance?

how much more would a v8 mustang insurance be than a v6? im 17

Do you have to have car insurance to legally drive?

Do you? and do you have to have car insurance to buy a used car say from maybe someone on craigslist? can you get a license plate for your new used car if you don't have car insurance?

Average motorcycle insurance?

I'm 22 and I pay right at 100 a month for insurance. How much does a regular sports bike cost to add insurance on? I know it depends on the bike but for like a GSXR 600.

Does anyone know approximately how much sr22 bond insurance costs for a dui offense?

What should i do about car insurance?

Basically in 2009 i got caught speeding without insurance. Biggest Mistake of my life. Lost my licence and had to start from provisional again. Now i have passed my test and it is a few years on i dont know what to do about getting insurance. I refuse to drive without it now. The thing i need to know is do i tell my insurance company about the claims that were less than 5 years ago or don't i? the reason is because my licence was taken away without a ban put back to provisional and now re-started fresh so do i still have to put them or not? Also if i do what would happen if i don't? Just out of curiosity as it would be a lot cheaper but if i have to i will obviously. Thanks

How much does homeowners insurance cost in Phoenix Arizona?

Please dont say call and agent, thats obvious. Im just wondering because I want to buy a house around $200000 between 1700 and 2200 sq feet. Anyone have a house like this in this area? How much is your premium? THANKS!""

What is the car insurance deposit?

What is the deposit you make on your car insurance? I'm not 100% sure. Do you get it back? I'm in the UK.

Life and income insurance?

If I started income and life insurance when i started property investment for investment purpose only to cover investment,are the monthly premiums tax deductible""

Do they drug test a newborn if the mom has private insurance?

Please read the entire post before replying. I have heard many conflicting stories. Some people say that they automatically drug test newborns if the mother is on medicaid. Some ...show more

https://www.linkedin.com/pulse/do-you-have-get-insurance-just-learners-permit-rosetta-mcclure"

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fesahaawit · 7 years

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Financial Confessional: “We Used to Blow Our Money on Motorcycles & Airplanes”

[Welcome to another Financial Confessional! This time Amnesty stops by from Primal-Prosperity.com to share how drastically different her old life of buying toys compares to her recently found freedom. While I doubt all of us have bought planes or home music studios, I’m pretty sure we can all relate at some level ;) A good thing to think about as we head into the weekend!]

To the outside world it appeared we had everything. My ex-husband and I were were bringing home a combined $200k (mostly that he made) and boy did we have our toys…

his and hers motorcycles (plus a third for off-roading)

airplanes (yes, real ones and yes, plural!)

a room full of musical equipment (so that I could have my “garage” band)

and more cars than drivers – including buying and selling a car almost every single year

We were having a lot of fun, but spending almost everything we made. We had no extra savings or an “oh $hit” fund, and it was starting to take a toll on our relationship.

It hadn’t always been that way though.

I was raised to be very financially responsible and started maxing out my IRA and employer matched 401(k) since my first corporate paycheck out of engineering school. I always had a couple of thousand dollars in my checking account. My now ex-husband on the other hand, who was 31 when we met (I was 25), had never participated in a retirement fund. He told me once that he didn’t want to save too much of his money, “because he wanted to enjoy it.” It took awhile, but I finally got him signed up for his employer 401(k).

Even though we continued to put money away for retirement, we barely saved anything else. Work was inconsistent for me in the area where we lived, so I no longer had the option of a 401(k). I even switched from contributing to a Roth IRA to a traditional IRA just so that I could get some of the tax money back to have on hand. One year I didn’t even have any funds to put into an IRA at all.

At first I tried to be the reasonable one and suggest that we don’t buy every last toy. But, well, you know how that goes over in a marriage when you’re not financially compatible. And since I wasn’t the main bread winner and couldn’t control how anyone wants to spend their money, I decided to get in on the action and surrender and just have fun.

If you can’t beat ‘em, join ‘em, right? :)

Here’s where all our money went…

Let’s start with the airplanes.

Our first plane was actually pretty reasonable. It was a Cessna 150 that was selling for only $10,000. We went half in with another couple that ran an airplane maintenance shop which was an added benefit. It was the perfect little trainer for me to take lessons and solo around in. However, it seemed to always have maintenance needs so we never really took it too far and especially overnight. And being a 2-seater, we couldn’t take up other people with us either.

I know… first world problems.

So we got out of our half of the C150 and then bought a Stinson with another partner. It was a 4-seater, we affectionately called “the station wagon”. This was more in the $30,000 range, but still not too bad as we had a partner.

As an aside, I want to mention that many people are surprised to find out that a small, older airplane can be bought for the price of a car. But I remind them that it is the maintenance and upkeep that will always be the worst part from both a time and financial perspective. Hanger/tie-down fees, insurance and maintenance can easily add up to $500 or more per month, for just a small airplane. And that doesn’t even include gas!

As the saying goes… “If it flies, floats or f*cks, it’s cheaper to rent!” Although, you can ignore the last ‘F’ with the right partner and financial compatibility :)

After awhile, we just really didn’t want partners anymore, so we sold this airplane and then went back to a two seater and got a Cessna 140, by ourselves. This plane was in great condition, and with no partners, we were actually able to use it to fly on multi-day trips.

This cost us in the upper $30,000 range, so we did what any good little consumer would do – we took the money from our HELOC! We had bought our house during the boom years where housing prices doubled in a very short amount of time so we had some good equity. And, really, what good is the money just sitting there if we can’t access it?

(As all you readers know, that is not the way to use HELOC money.)

Onto the motorcycles

While my husband had always rode motorcycles, I got tired of being on the back of one. So, I bought my neighbor’s Enduro bike for cheap, at less than $2,000. It was a blast to ride, but it really didn’t go much over 45 mph, so I couldn’t use it to commute to work because I took roads that were 55 mph posted.

So, we kept that for off-roading, and then I bought a used Kawasaki Ninja 250 for a little less than $3,000. Still fairly affordable, and I LOVED that bike. I’m 5’2”, so it felt very comfortable. Even my bigger guy friends loved taking it out because it was so much fun to ride.

But then, my ego got to me and I wanted to move up into the big boy bikes. My husband had just made a recent upgrade, so I felt it was only fair for me to upgrade too. I started looking around and fell in love with a Honda 599 that was a flat black finish. While it was technically a sport bike, it sat more upright and was a ‘naked’ bike, so the Harley crowd didn’t turn their nose up at me… too much.

Out the door, it was $8,000. We were making good money though, so why not treat myself? I had been able to sell the 250 for almost the same price I bought it at, so that was something! And of course, since I went from a red bike to a black bike, I had to get all new gear to match. That was easily an extra $1,000 spent without batting an eye.

But as cute as I must have looked on that bike, with my matching gear and all, the thing was a monster for me. I knew it didn’t quite fit before I bought it, but I was told that I could have the seat cushion shaved down and re-upholstered and have the bike lowered – just to get to the point where I could barely put both toes on the ground at the same time. Sure, just about another extra grand… why not, sold!

Even after the modifications my body size to bike size still made me feel like I didn’t have quite enough control. I missed my little 250 terribly, and I didn’t ride the new 599 nearly as much as my old 250. When I finally did sell the 599, only several months later, I was able to get about $5,000 or so for it, and I was stuck with the $1k in gear since there aren’t many 5’2” female riders where I lived.

That was an expensive lesson. Did I mention that I never actually test rode the bike before I bought it either? I didn’t want to until it got lowered – another dumb lesson learned.

The music room

I love all kinds of music and have played multiple instruments throughout my life. So while we were buying airplanes and motorcycles, why not go for music equipment too? That was just a drop in the bucket as far as costs go.

So I went all in and bought drums (both an electric set and an acoustic set), then a weighted full size keyboard, guitar, amplifiers, bass, you see where this is going…

I wanted my music room so that I could play with my “band,”and the costs certainly added up. Probably to the tune (pun intended) of more than a couple thousand dollars. We never did make it as a real band, but a friend did let me play with his onstage occasionally. and at least my neighbors loved listening to us… Until one of them had a baby, haha.

Other splurges

In addition to all the toys we bought, we also went on a few spending sprees… Top of the line appliances, even though most of the current ones worked just fine, $2,000 for a dining room table, even though we hardly even entertained that much, it was crazy. Though I’ll take the sole blame for these decisions.

We also each had a car, but we still bought extra ones that cost a few grand, just for fun, even though they spent a lot of time in the mechanic’s shop. And, I insisted on expensive vacations. Let’s not forget the thousands of dollars I spent on flight training for both powered airplanes and gliders over the years too!

At one point, I even got an extra apartment to rent so that I didn’t have to commute to a new job I took. I hated long commutes, so I got a tiny studio so that I can live closer while my ex was traveling a lot for work. Only it never really felt like home, so I rarely spent any time there and would just drive back to my real home every day instead.

More money wasted thinking it would bring me happiness.

My husband still wanted and dreamed of more

All the purchases above were things we actually bought. But my husband still wanted more and more, while I was starting to want less and less as time went on.

He wanted a boat.

When I asked why he wanted one so much, he said because all his friends had one. In fact, that is the BEST reason to NOT get a boat! Why? Because people with boats love to have guests go out with them!! We always brought food and drinks for everyone, paid for gas, etc….

But, my husband still felt like a free-loader and insisted that we should have our own. We both loved to sail and we rented boats often, but that was still not enough. He wanted to ‘own’ one. Boats are a blast, but the thought of cleaning, maintaining, trailering, etc was just too much. Remember the rule of the three ‘F’s?

Luckily we never did get the boat.

I left the relationship and started fresh

When I finally ended the relationship, at 32, I needed to purge. I wanted to start fresh, so I packed up my paid off car with only what would fit in it and left everything to him.

Yes, everything.

We had an easy split of finances. We both kept our own retirement funds, I took my car and he took all the loan payments including the HELOC and all the toys. All I asked for was half the equity in the house, which he paid me over time.

I walked away from this situation fairly unscathed financially, but it was the luck of the real estate market that saved me in the end; not my own choices.

I was still far behind the curve ball when it came to saving and investing too. Even when I was on my own and making a great salary, I still had the habit of buying more than I really needed, and saving less than I was capable of accomplishing.

Sometimes habits take a while to break.

But I did gain some pretty valuable lessons, and over the next few years, in my 30’s, I started to become much more financially savvy. Through simple living, a high savings rate and real estate investing, I was able to achieve “financial flexibility” in just a few short years.

Now I live in a 320SF condotel with my current husband and I don’t even own a car. We have several rental properties with 4 owned outright, including the unit we live in. Life is good. I still continue to have first world problems, but like most people, we just need to change our mindset and realize how very fortunate many of us really are.

I’ve since learned that non-essential stuff actually makes me less happy. I don’t want to own things anymore that weigh me down and keep me trapped and location dependent, and I really don’t want to be stuck in the corporate world seeking a steady paycheck. I no longer want emotional attachment to “stuff.”

As the commercial says “if you’re going to own something, own the experience.” No maintenance costs on that!

Do I regret any of this?

Not. One. Bit.

Would I have been financially independent by now had I just saved more money and focused on a steady income? Absolutely. But while I’d never recommend that people spend with reckless abandon, I believe in living a life with no regrets. And I can’t deny that I had a blast!

I learned to be assertive, take risks, face my fears and get out of my comfort zone. These are things that money can’t buy.

One thing I will never forget is that my second glider solo flight was on September 10th, 2001. I was on a high that day, and then at a very low the next morning. It is an important lesson to remember how quickly things can change in life.

Now at 43, these are the things that I really don’t have a desire to spend a lot of time and money on. So I’m glad I got it out of my system when I did.

I also met some really amazing people, and surprisingly, I got a lot of “free” experiences out of this lifestyle too. When you hang around a small airport, you get to know people. So I got to get free rides in all sorts of cool airplanes including private jets, open cock-pit bi-planes, experimental aircraft, trikes, and on…

I got some free flight instruction, and I got to experience maneuvering (and crashing!) a hang glider that was winch-towed. I even posed as a ‘runway model’ – quite literally – for an informational poster!

[I had my bathing suit on underneath!]

All said, however, I’ve also learned that a life with minimal stuff and low spending can also be very adventurous. While I still enjoy adventures, I find that getting outside of my intellectual and emotional comfort zones can be just as fulfilling and exhilarating as physical ones.

Now I strive to seek a life of freedom, and not just financial freedom. I want freedom from location dependence; freedom from defining myself by “what I do”; freedom to give back generously; freedom to think slow; freedom to experience vulnerability; freedom to love unconditionally; and most importantly of all, freedom to know I have enough.

Thanks for letting me share!

******** Amnesty blogs at Primal-Prosperity.com, where she describes herself as “FIRE’d up, wild and free”. She has developed a workshop program called The Real World M.B.A.: Creating a Life of Meaning, Balance and Abundance which focuses on a multitude of topics like sustainable real estate investing, decluttering, location independence, and the art of setting D.U.M.B. goals. Say Hi!

Like these confessionals? Check out the previous ones we’ve shared:

“I Turned My Back on My Wealthy Parents to Live a Life of My Own”

“I Became So Obsessed With Being Rich That I’m Now Sitting in Prison”

Financial Confessional: “We Used to Blow Our Money on Motorcycles & Airplanes” posted first on http://ift.tt/2lnwIdQ

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heliosfinance · 7 years

Text

Financial Confessional: “We Used to Blow Our Money on Motorcycles & Airplanes”

To the outside world it appeared we had everything. My ex-husband and I were were bringing home a combined $200k (mostly that he made) and boy did we have our toys…

his and hers motorcycles (plus a third for off-roading)

airplanes (yes, real ones and yes, plural!)

a room full of musical equipment (so that I could have my “garage” band)

and more cars than drivers – including buying and selling a car almost every single year

We were having a lot of fun, but spending almost everything we made. We had no extra savings or an “oh $hit” fund, and it was starting to take a toll on our relationship.

It hadn’t always been that way though.

If you can’t beat ‘em, join ‘em, right? :)

Here’s where all our money went…

Let’s start with the airplanes.

I know… first world problems.

As the saying goes… “If it flies, floats or f*cks, it’s cheaper to rent!” Although, you can ignore the last ‘F’ with the right partner and financial compatibility :)

(As all you readers know, that is not the way to use HELOC money.)

Onto the motorcycles

That was an expensive lesson. Did I mention that I never actually test rode the bike before I bought it either? I didn’t want to until it got lowered – another dumb lesson learned.

The music room

So I went all in and bought drums (both an electric set and an acoustic set), then a weighted full size keyboard, guitar, amplifiers, bass, you see where this is going…

Other splurges

More money wasted thinking it would bring me happiness.

My husband still wanted and dreamed of more

All the purchases above were things we actually bought. But my husband still wanted more and more, while I was starting to want less and less as time went on.

He wanted a boat.

Luckily we never did get the boat.

I left the relationship and started fresh

When I finally ended the relationship, at 32, I needed to purge. I wanted to start fresh, so I packed up my paid off car with only what would fit in it and left everything to him.

Yes, everything.

I walked away from this situation fairly unscathed financially, but it was the luck of the real estate market that saved me in the end; not my own choices.

Sometimes habits take a while to break.

As the commercial says “if you’re going to own something, own the experience.” No maintenance costs on that!

Do I regret any of this?

Not. One. Bit.

I learned to be assertive, take risks, face my fears and get out of my comfort zone. These are things that money can’t buy.

Now at 43, these are the things that I really don’t have a desire to spend a lot of time and money on. So I’m glad I got it out of my system when I did.

[I had my bathing suit on underneath!]

Thanks for letting me share!

Like these confessionals? Check out the previous ones we’ve shared:

“I Turned My Back on My Wealthy Parents to Live a Life of My Own”

“I Became So Obsessed With Being Rich That I’m Now Sitting in Prison”

Financial Confessional: “We Used to Blow Our Money on Motorcycles & Airplanes” published first on http://ift.tt/2ljLF4B

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