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You are here: Home / Archives for Home and Lifestyle / Finance

Increase in Car Insurance price

May 23, 2007 by Tricia

Oh man! It looks like our car insurance is going up.

It’s only going up a bit, but I really don’t want to pay more. Chris and I have both been driving since we were teenagers, neither of us has ever been in a car accident nor received a ticket for speeding or anything that might affect insurance rates.

Not fair! They should be lowering our car insurance instead of increasing it! The property tax on our house is going up a lot this year too! Geez … Ok I’m going to start looking for a car insurance quote right now. I’d better find something that was priced at what we’ve been paying or lower. Really, with our driving history we should get really good car insurance rates shouldn’t we?





Filed Under: Family, Finance, Great Sites, Home and Lifestyle Tagged With: car insurance, clean record, driving, increase in insurance, no accidents, no tickets, not speeding tickets, property tax, quote

Has the internet allowed you to consider working from home?

May 18, 2007 by Tricia

I just wrote about the idea of having a home based business and being able to work from anywhere in the world. How nice would that be?

It’s funny though. I was just thinking about how, when I was growing up as a child – the news, books, documentaries, and movies always made it seem that many people would be working shorter work weeks, fewer hours with higher incomes and that many people would be working from home.

I do believe that over the last decade or so that this has become a reality for more and more people.

The internet and advanced communications technology has made it possible for many people to work fewer hours in their place of business, work from home, work abroad and to make good money while doing so.

I think that women have probably had the most luck at taking advantage of the way things have changed with how we work.

I mean, if a woman wants to have children she often must take some time off to recover from giving birth and to care for her new born child. There are still many countries that do not guarantee maternity leave and that a job will still be waiting for a woman when they return from caring for their newborn. I could be wrong but I think even in the US – at least in some states, Maternity leave is not guaranteed. Maternity and or paternity leave is guaranteed here in Canada and that does make it easier for people to have a family and go back to the workforce when their child is a year old.

Women who don’t have maternity leave or who opt to stay at home while their children are young were traditionally left income- less. With the cost of living going up and up it’s hard for any family to not need two incomes.

I know several women who have used the internet to generate an income. Either through coming up with a fantastic website that generates a good income through advertising, or by creating small e-businesses that they can work from home. Some of these women have been inventive too and have come up with new products- often related to children or child care and have started out by selling these items over the internet.

Other women have worked out a deal with their place of employment whereby they are able to do most of their work at home and perhaps only go into the office once a week or less, yet still make the same or almost the same income as when they worked 40+ hours each week in the office.

Prior to the internet – say 15+ years ago, this just wasn’t possible. Yes men and women were still finding ways to make income from home and were being creative entrepreneurs, but there were fewer of them out there than there is now.

How has the internet changed your life? Do you work from home or generate some extra money through work on the internet or through your website or blog?

Filed Under: Employment, Finance, Home and Lifestyle, Money, Web and Technology Tagged With: blog, business, children, Family, home, Internet, internet allows us to work from home, Technology, website, woman, women, work from home

So many channels yet nothings on

May 16, 2007 by Tricia

I can’t believe that there was almost nothing on TV Tuesday evening. Yeah there was Dancing with the Stars, and I wouldn’t be surprised if American idol was on too but I don’t watch those shows. I just don’t get anything out of them. Even if I did like them there’d be no way that I could get Chris to watch them!

Heck, he gave up on the Amazing Race on me when the contestants started to get too whiny and he actually likes that show. LOL I don’t even like the show that much when the couples, friends or relatives start bitching at each other a lot.

At least House was on. I taped it, but didn’t get a chance to watch it yet. We watched Monday nights CSI Miami instead.

I didn’t even sort through the new clothes that we bought yet! Man I hope most of them fit. Well … for our budget it’d be better if I only like half of them because we sure spent a lot of money at Winners yesterday afternoon!

Filed Under: Entertainment, Finance, Shopping, Television Tagged With: Amazing race, American Idol, channels, Chris, clothing, CSI Miami, Dancing with Stars, Home and Lifestyle, house, nothing on TV, Shopping, trying on clothes, TV

Save energy, save money, cut C02 emissions

May 5, 2007 by Tricia

I know that Earth Day has passed and I really wish that I’d come across this great article about lowering your homes carbon emissions earlier as I would have written about it for Earth Day.

The article discusses 20 different ways in which you can reduce your use of energy and thus the amount of carbon emissions that your produce in your home. I’m happy to say that Chris and I already do almost every single item on the list and in fact I could probably add to that list too.

I would hope that almost everyone is participating in a recycling program in their area. It’s so easy to do once you get used to it. Here in Toronto recycling is the law. Every second week the city picks up all of our recycled items such as cans, plastic containers, bottles and paper products. From April through to December the city also picks up yard waste – such as plant trimmings, leaves and items like that. Depending on the exact time of year this happens weekly or biweekly. They also pick up Green garbage weekly.

Green garbage is everything from table scraps, to napkins of serviettes that we perhaps use while we are eating, tissues and things like that. Now, we do have a composter in our backyard so we don’t give the city all of our scraps, but we do have something to put out weekly.

The article that I read says that by participating in a recycling program and by purchasing items made with recycled content, just an increase of 10% alone, will save the average household 91 kg C02 over a years time. Considering that recycling programs are mandatory in many municipalities, and that many stores sell products made of recycled content I would think that just about everyone is doing this to some extent.

You know what’s really strange. I was going to talk about this anyway before I found this article because something happened earlier this week that made me think about writing a post about saving energy. Finding this article just reminded me to get that post done.

You see, earlier this week we had a nice young girl knock on our door. She was working with our city in a program called TAPS TORONTO that’s being provided by the Toronto Hydro Electric System and Enbridge (a natural gas company). Absolutely free of charge she gave us a new shower head for our shower that would reduce water usage, a kitchen facet aerator, a bathroom faucet aerator, foam pipe insulation (to wrap around a hot water pipe and prevent heat loss), and four 14 watt Compact fluorescent light bulbs. Well probably save more than $100 a year just by using all of those items.

It’s funny too because we always seem to manage to get free compact fluorescent bulbs each year. We started using them about four years ago, and every light in our home that can be fitted with one of these energy saving light bulbs has one in it. They last forever too – much longer than regular incandescent bulbs. I think each year we manage to get 4 to 8 free.

Along with discussing the use of low flow shower heads which we were given the other day, and which we already use in our home, the article states that by using energy efficient light bulbs such as the compact fluorescent light bulbs that we just got for free you can cut C02 emissions.

If you aren’t already using the compact fluorescent bulbs think about trying them. The light they provide is very similar to that of the incandescent bulbs that you are likely still using, but considering that most of these compact fluorescent bulbs are 12 -15 watts compared to the normal incandescent bulbs 60 to 75 watts you’ll save both energy, money and C02 emissions by using them.

Just replace your incandescent bulbs as they burn out with the new fluorescent bulbs. If you only change three of them over the next year you’ll save 136 KG of CO2 and €44 (£30 or $60 USD). Wow, I didn’t even realize you could save that much just by switching three bulbs over. Chris and I must be saving hundreds of dollars with at least 90% of our lighting now being compact fluorescent lighting.

Go have a look at the article and then let me know how many of those tips you are already doing. We are doing all but #19 (update insulation in home), but we’re working on that one.

Filed Under: Finance, Home and Lifestyle, Living Green, Money, Toronto Tagged With: C02 emissions, Co2 emission savings, earth day, energy saving tips, fluorescent bulbs, low flow shower heads, recycle, reduce energy use, reuse, save energy, save money

Lower your student loan payments and save money by consolidating

May 1, 2007 by Tricia

It’s been a long time since both my husband and were in College and University. Do you believe that we each went to school twice? I’m sure you can imagine how much we had to pay off in student loans as a result. In fact, Chris was the last one to go back to School and for part of his re-education he went to a private college and oh my, the cost of that was way too high. We just finally finished paying it off in 2003.

We were dumb. We didn’t really think about Student Loan Consolidation and we should have considering for a time, we were both attempting to pay off our student loans at the same time, and at one point Chris was paying off loans for both his rounds of College.

If you are in the same boat that we were you should think about consolidating your student loans.

If your student loans were federally funded you can combine all of your student loans through NextStudent borrowers and manage your loan with one easy regular payment. You can also save thousands of dollars on interest, and you might even qualify for a low interest rate of perhaps 4.5%.

When I visited the NextStudent loan page I saw that if you borrowed from them for your student loan consolidation you could actually lower your monthly loan payments by as much as 60%. There are no hidden fees, in fact there are no fees or charges at all, and you don’t get any penalties applied if you choose to prepay or make a larger payment.

I wish that Chris and I had either thought of doing something like this with our student loans or discovered a company like NextStudent when we needed it so badly. I don’t even know if a company such as this was around when we had huge student loan debts hanging over our heads.

If you have outstanding student loans think about consolidating them. You’ll save money and take some of that stress off yourself too.

Filed Under: Education, Finance, Home and Lifestyle, Services, Web and Technology Tagged With: lower interest rate, Next Student, save money, student loan, student loan consolidation

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