Life Insurance & the Legacy I Don’t Want

life insurance and legaciesThere are many things I like to think my husband will remember me for. My willingness to edit his grad school papers, only occasionally teasing him about his grammar. My attempt to always have dinner made before he gets home, even if it means accidentally baking a magnetic bag clip that one time I was in a big hurry. My eagerness to go fishing with him, reminding him only every hour minute second how boring fishing actually is.

And money. While I don’t have it all figured out, of the two of us, I definitely have a better handle on our finances. Or at least I thought I did until this year’s open enrollment at my work. Imagine my surprise when I actually took the time examine my current life insurance coverage and discovered that what I would be leaving behind was actually a money mess. Continue reading “Life Insurance & the Legacy I Don’t Want”

Life Insurance & the Legacy I Don’t Want

Illness, Expenses, & $12 Cherry Juice

Cherry JuiceI’m afraid of getting sick. Not in the sense that I’m actually afraid of germs. Goodness knows how many germs pass through my fingers (literally) on any given school day. Normally, the concept of illness lurks in the back of my mind and then lurches to the forefront when a student gets sick (literally). I’m afraid of getting sick in the sense that I don’t know how well we can afford it, especially in the future. Let me explain. Continue reading “Illness, Expenses, & $12 Cherry Juice”

Illness, Expenses, & $12 Cherry Juice

The Perspective of Percentages

The Perspective of PercentagesOnce I finished my victory lap around the kitchen table to celebrate lower our car insurance premiums, I dashed over to dutifully input the new numbers into our budget spreadsheet* with a smug smile scrawled across my face. I had spent the better part of two weeks soliciting quotes via phone, email, and carrier pigeon. Finally, I found a company that would offer comparable coverage to the tune of $300 savings annually. I couldn’t wait to see the numbers dip. After a few simple keystrokes and a quick double check of my work, I clicked one more time to see the final category percentage plummet. And then…nothing. 

Excuse the hyperbole. It wasn’t nothing. It was 1%. One percent of our budget could be moved from the transportation category to the savings category. One lousy percent. Somehow, my victory no longer seemed so sweet. Continue reading “The Perspective of Percentages”

The Perspective of Percentages

October Goals: Less Clutter, Lower Insurance

October Goals-Rabbit, rabbit! Happy October, all. Cool breezes, crunchy leaves, fall colors. I’m feeling fall for sure. While my biggest autumnal ambition is to make it to November without turning on the heat, there’s not much I can do about Mother Nature in the Midwest. In the spirit of focusing on the things I can control, here are my three goals for the next thirty days when it comes to clutter, insurance, and more. Continue reading “October Goals: Less Clutter, Lower Insurance”

October Goals: Less Clutter, Lower Insurance