Simple living in the country - back to basics

themadvix

Oh taming/training dragons is lovely too! And, yes, far more veggie-friendly, sorry!

Ouch to the insurance costs - hope you can get it down.

slm6002

Business insurance didnt cost me anything extra to add on so I can claim mileage.

SuperSecretSquirrel

I've had cheaper fully comp quotes than tpft quotes in the past, it's probably worth checking both options. 

badmemory

Isn't it because the insurers think if you are prepared to pay for fully comp that you are more likely to look after your car, so it costs them less than if you have third party.

slm6002

I've been looking at insurance as DD1 is hopefully taking her test soon and may get a car.  On all the cars we looked at it said it was cheaper for fully comp.  Never used to be that way I'm sure

Karmacat

Polite, obedient dragons are a wonderful thing - though, given my catsitting duties last week, it does tend to make me think of the phrase "herding cats" 🤣😺

Cheery_Daff

It's certainly felt like herding cats today KC!! 

Thanks for all your thoughts about car insurance. I too am sure it used to be cheaper to do TPT but I'll check what the quotes look like this time. 

Anyway, Monday is Finances Day (when I remember, and when it's convenient ) Banking, budget, house insurance, that's what's on the cards. I'm all geared up with my defrosted risotto and a nice cup of tea Will report back. 

Cheery_Daff

Right. A good hour or so of messing about with house insurance quotes, and I've only found one cheaper than the renewal quote. £6 cheaper, to be precise, and with the same supplier, but with £100 extra excess for both buildings and contents. 

So the upshot of all that is that I'm just going to let the renewal role over. Worth checking, and £196 ain't a bad price. 

Car insurance next - but not today! Let's hope I can get that cheaper than the renewal quote!

Now, before I fall asleep where I'm sitting... 
* washing up
* covid test and questionnaires
* happy wheel
* yoga
* possibly get something in the hay box (or possibly not, it's getting a bit late)

Yawn. 

Cheery_Daff

I should say, I had £400 in the house insurance pot, so I've reassigned the spare £204 to the car repair pot I've also remembered we don't pay the water bill in Jan, so that's another £15 assigned. There's £764 in there now, so another £210 to assign. I had £150 to the MOT/car repair pot in Feb, so I'll reassign that too (next MOT isn't til May). The other £60 I'll probably pinch from the breakdown pot - there's £100 in there, and it's not due til June, so plenty of time to build up. 

I'm afraid I've not been brave enough to look at my emails today so I have no idea if they've responded... 

Oh, and I've cancelled a few direct debits/standing orders - a magazine, couple of memberships. Some annual, so won't make much difference now, but I've regained £92.95 over the year, equivalent of £7.75 a month. Better than nothing. 

KajiKita

I know from bitter experience how long it takes to earn £7.75 on Qm33, so yes, worth having! 

Well done for all the insurance wrangling and the pots shuffling - the YNAB Force is strong within you! 💪😉😊

KK