I am not sure if this is the best title for this post – but I’m going with it.
I feel “frugalled out.” Is that even a word? We have been chipping away at our household costs, but I don’t know how much more we can achieve without making some BIG, life altering changes. We still managed to find some savings and blessings since my last pursuit of thrift report.
1. We dropped collision and comprehensive insurance on my car. This will save us just over $500 each year. I think we made the right decision because my car is worth about $2,000 tops. Mom and Dad Money have an interesting article about this very topic, asking Was it Worth Canceling Our Collision and Comprehensive Coverage? I think so.
2. I won a $150 gift certificate at work. We are going to use it and some loyalty rewards towards the kids birthday presents. They each want a Nintendo 3DS XL. To be honest, I am not sure if this is thrifty or foolish.
3. Programming the thermostat paid off! I work from home 90% of the time, so last year I kept the house at a constant temperature. This year I sucked it up and put on a sweater (or two) and kept the thermostat at 65F/18C during the day and for sleeping. The natural gas bill just came in and even with the hell-has-frozen- over winter, our gas bill has gone down and they have lowered our monthly payment. Yay for me!
4. In the fall we spent $500 on roof maintenance. Our roof is not aging well. The roofers made some repairs and made sure everything was sealed tight. Thank goodness, because if we are ever going to have /snow/leak problems this is the year. I hope this is a case of an ounce of prevention being worth a pound of cure. That’s thrifty right?
5. Oh and I almost forgot. In January we took a load of household metal to the scrap yard and left with a *tax-free $47.20.
Some of our thrifty wins were offset with some unexpected expenses…..
- I bought a year of family medical travel insurance for $170. We have a destination wedding to attend and are travelling for a hockey tournament too. We might even go to England to visit my parents so I thought an annual insurance policy would be a good idea vs. 2 or 3 single trip policies.
- I forgot that my passport needs to be renewed. Arrrg! My roof is not the only thing that is not aging well, based on my updated passport photos. What line of the budget does passport fee go? I have no idea.