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Our Experience Bypassing Auto Insurance

April 4, 2022 By MelissaB Leave a Comment

Bypassing Auto Insurance

A few years ago, my husband and I decided to travel with our then three-year-old to visit my alma mater. We were driving around, seeing the sites when we were rear-ended. The driver, a man in his thirties like us, was apologetic and gave us his license, name, and number. And then he said that he wanted to pay for the damages himself, bypassing auto insurance.

Our Experience Bypassing Auto Insurance

I don’t know the details of why this man wanted to bypass auto insurance. I assumed he already had some claims on his insurance and didn’t want to add more. Not only would that raise the price of his insurance, but if he had several claims on his insurance in a short time, his insurance company might drop his coverage.

My husband and I lived five hours from my alma mater, so all communication was done via phone.

Getting an Estimate

I went to a local repair shop and got an estimate for the damage. The total came to $1,462. I got a copy of the receipt and sent it to the man who hit us.

He didn’t ask for a second opinion. He accepted the quote and promptly sent me a check. However, when I received the payment, he had transversed his numbers and sent us $1,642, $180 more than the estimate.

I notified him about the overpayment, but he didn’t want to hassle with anything. He told me to keep the extra money. At this point, I think he just wanted to get the repair done.

We Were Lucky

Looking back, the man who rear-ended us was lucky because my husband and I are honest. I knew that the man was trusting us, so I went to a shop we had used for repairs before and that I trusted. I didn’t try to milk the man for more money.

We were lucky because the man who hit us was motivated to keep this accident off his insurance record and get the process over and done with. He paid us promptly.

Would I Do It Again?

Bypassing Auto Insurance

Would I bypass auto insurance again? It depends. I recognize that I could have had an issue with the man not paying, but I didn’t. He was honest.

Still, when you bypass auto insurance, you take a risk. If I just had a minor fender bender, I may take that risk again. However, I would write down the other driver’s auto insurance company and policy number, so I would have recourse if he failed to pay.

If the accident was more than a fender bender, no, I would not bypass auto insurance. The repair cost would likely be higher than a thousand dollars, and I wouldn’t want to risk losing that much money. Also, a more significant accident would require calling the police. Then an insurance claim would need to be filed.

Have you ever bypassed auto insurance? If so, what was your experience?

Read More

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Filed Under: Cars, Insurance Tagged With: auto insurance, car accident

5 Tips to Save on Groceries This Year

March 21, 2022 By MelissaB Leave a Comment

Tips to Save on Groceries

The price of groceries recently! Ouch. In the last few months, I’ve been shopping the same way I typically do, and yet, my grocery bill for my family of five has increased several hundred dollars, and my freezer and pantry are emptier. Enough is enough. The food prices are rising rapidly, but I’m utilizing these tips to save on groceries this year.

Prices Will Be High for Awhile

Prices will be high for a while because of supply chain issues due to the pandemic and the current war in Ukraine. However, if you’re willing to change your behavior and preferences, you can save on groceries this year, even with the market instability.

5 Tips to Save on Groceries This Year

Change Your Menu

Our family makes every meal at home, and we don’t eat extravagantly. However, I’m looking at changing our menu. We’re gluten-free and dairy-free. That means staples for most people, like bread, cost us significantly more to buy gluten-free. During this time, I’m limiting how much bread we use and instead am switching to naturally gluten-free carbs that are cheaper such as potatoes, sweet potatoes, and rice.

I’ve also searched the Internet for low-cost meals. Many bean-based recipes appear, but my family doesn’t want to eat beans several times a week.

Instead, I look two different places.

Depression-Era Recipes

For Depression-era recipes, I love the YouTube channel, Great Depression Cooking. Clara, the host, shares stories about her life and frugal recipes her family ate during the Great Depression.

Frugal Recipes Around the World

Tips to Save on Groceries

To make meals more interesting, I’ve prepared frugal meals from different countries. Some of our favorites include Colcannon (Irish mashed potatoes with cabbage), Okonomiyaki (Japanese cabbage pancake), and Tortilla de Patatas (Spanish omelet with potatoes and onions).

Use Less Meat & Fish

Part of our strategy to change the menu involves using less meat. Sometimes we have meat-based meals, but I’m currently trying to avoid having those regularly.

Find Meals with Reduced Meat

Instead of meat-based meals, I’m trying to make meals that center around vegetables and starches with some meat. When I do that, I can use less meat. For instance, when I make spaghetti, I add about six ounces of cooked ground beef. That half pound of meat is cheaper than using an entire pound for our family of five. I also look for soups and chilis that require a half-pound of meat or less.

Buy Cheaper Cuts

We enjoy roasts and steaks when we buy ¼ side of beef, but we haven’t purchased beef that way in over two years, so we’re only eating ground beef, which is the cheapest form of beef we can find.

Likewise, I still want to have fish in our diet, but I have found cheaper ways to buy it. I can buy cod pieces at Trader Joe’s for $4.49 per pound. Whole fillets cost approximately $10 a pound, so I buy cod pieces and make fish cakes instead of serving fillets to my family. We’re getting the benefits of eating fish at a much lower price.

Allocate Some Money to Stocking Up

One of the best ways to lower your grocery budget is to save some money each week to stock up on sales. Let’s say you have $150 a week to spend on groceries. You might use $120 to buy your weekly groceries and reserve the additional $30 to stock up on items that are on sale.

Maybe you find a clearance sale on ground beef marked down to $2.99 a pound instead of the regular price of $6.99 per pound. If there are ten packages available, you might buy all 10 for $29.99 total. (This is a deal I found two weeks ago, and I snatched up all ten. I promptly went home and made ten meals. Most of the meals are in the freezer now, so we can eat them in the next few months, saving us money on our upcoming grocery trips.)

Some weeks you may not find any good sales. That is okay. Let that $30 rollover, so the next week you have $60 to use for stock-up buys. Then, when you find a good sale, you can take advantage of it without wrecking your grocery budget.

Try Reverse Meal Planning

Some people carry this idea further by reverse meal planning. Instead of going to the grocery store with a list of items you need to buy, you go to the grocery store and look for food on sale or clearance and try to buy only those items.

Then, when you get home, you make a meal plan based on the items you already have. If you bought cheese at a discounted price, and you have ham from a sale two weeks ago, you might combine the two together with potatoes and milk to make scalloped potatoes for your family.

If you’re creative and can think of ways to use different foods, reverse meal planning can help you keep your budget low even when food prices are high.

I use this strategy, but only for a few meals a week. I’m not creative enough to plan all our meals this way, especially with our dietary restrictions.

Order Online

5 Tips to Save on Groceries

Another option is to order your groceries online. Some people love ordering this way because they limit their impulse buys. You only order what you need, so you can stick to your grocery budget.

I do sometimes place online orders, but our local grocery store is often out of the items that I order. Therefore, I only place online orders about twice a month. I like to go into the store to find discounted and clearance items, which I can’t do when I shop online.

However, by using both online shopping and going to the store on alternate weeks, I can save money.

Final Thoughts

The cost of groceries is high, but I’m hoping by regularly using these five tips to save on groceries this year, I can avoid going over budget.

How are you fighting the high price of groceries?

Read More

Save on Groceries by Limiting Junk Food

Living on a Tight Budget: Should Groceries Be the First Place You Cut?

Even More Ways to Save on Groceries

Filed Under: budget, Frugality, Saving Tagged With: food, frugal groceries, groceries, grocery budget, recipes

The Biggest Reason to Always Pay with a Credit Card

March 7, 2022 By MelissaB Leave a Comment

Reason to Always Pay with a Credit Card

Some financial advisors and gurus urge all of their audience to use cash only. They argue if you use cash, you can’t overspend. Further, they say you’re also more conscious of your spending when you use cash. While these arguments may be true for some credit card users, they’re not for all. Many people can use credit cards and stay within their budgets. In addition, paying with credit cards offers several advantages, one of which is particularly important.

The Biggest Reason to Always Pay with Credit Card

The biggest reason to always pay with a credit card is the purchase protection. I saw this in effect recently with my mom and a $450 treadmill she purchased last fall.

The Credit Card Purchase

My mom is trying to improve her fitness level, so last September, she bought a treadmill on Amazon. The treadmill was never perfect—she complained about how hard it was to walk on it. When I visited her recently, I tried the treadmill, and it felt heavy and slow. A few days into my visit, the treadmill would turn on and off, but you couldn’t get the tread to move.

Customer Service Was a Bust

We discovered the treadmill company is in China, and the only phone number for support was a Chinese number. I emailed support and told them what the problem was. The company took two days to get back to me and then asked for a video demonstrating the problem. I sent that and then waited another two days for a reply. Next, they told me how to disassemble part of the treadmill and send them more videos showing the problem. I did, and then I didn’t get a reply for several days.

Contacting Amazon Didn’t Help

Meanwhile, I contacted Amazon to ask for a refund. Amazon said they couldn’t help me because the return window closed in December. When I mentioned that the treadmill had a one-year warranty, Amazon said I had to work with the manufacturer.

Customer Service Still Refused to Help

Reasons to Always Pay with a Credit Card

By now, I had been going back and forth with the treadmill company’s customer service for approximately 10 days. Finally, I said I wanted a refund as the treadmill was under warranty and shouldn’t break after five months of ownership. The company told me to contact Amazon to activate the warranty, which I had already done, to no avail.

Contacting the Credit Card Company Made the Difference

I then contacted the credit card company and explained what had happened. After taking down all the details, the credit card company issued my mom a full refund. Having the ability to go straight to the credit card company to get a refund when all else fails is the biggest reason to always pay with a credit card.

Final Thoughts

My opinion to always pay with a credit card, especially with large purchases, was reaffirmed with this situation. Further, I learned that when purchasing something on Amazon, checking out reviews is not enough. I must also verify where the company is based. A company based in China may be challenging to work with and receive assistance.

We used my mom’s credit card refund to purchase a new treadmill from a company based in Arkansas. If she has trouble in the future, I’m confident communicating with the company will be easier.

Read More

How to Pay Down Your Credit Card Faster Even If You Don’t Have Extra Money

Help Your College Student by Adding Them as an Authorized User to Your Credit Card

Is It Worthwhile to Still Use Credit Cards with So Many Data Breaches?

Filed Under: General Finance Tagged With: amazon, cash, credit card, customer service, warranties

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