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Archive for November, 2016

No clue about CLUE; Reflections

November 29th, 2016 at 06:58 pm

They are right when they say something you learn something new every day. I had never heard of this, but some you might have.

There is a report for auto insurances called a CLUE report that insurance companies use to check on you before they give you your final rates. I was shopping for a new auto insurances, and here there was an accident misreported on mine, raised my rates quite a bit. It will take awhile to get it corrected. Longer for me, as it didn't like me online. I raised my deductibles to lower the premium, so I shouldn't be dinged too bad for awhile. (cross fingers)

You can get your free CLUE report thru LexisNexus's personal reports page.


In other news, I really don't have much financial news. Still in holding pattern. Still low key. I just need to make it to January, and every day, it is looking better and better. Just keep swimming. Once January hits, I am pretty sure everything will turn around and be finished, so I can start budgeting for real.

Reflecting on my old blog posts, I forgot that I had deemed 2016 a year to coast. Well, I coasted, switched directions a few times, and then am ending in a coast again. I was pretty right on, just with a big change thrown in. Not like 2015 - the year of changes.

I have been trying to figure out what 2017 will be the year of... I think a year of organizing and getting life straightened out. I am in the process of getting things set up so that it can go that way. I find that I like having control of my own life and its path. This next year should be fun.

Finally Purging

November 10th, 2016 at 08:31 pm

I have finally made progress on purging. It feels great! Some of it has been hard, but I haven't regretted getting rid of anything yet.

I paired my clothes down to a third. Some was easy as I do not fit in much. Some was hard like some memory shirts and favorite clothes that reminded me way too much of my ex. I went half and half konmari on it. I had to keep some things that were funtional, even though I do not particularly care for it, because otherwise I would be severely lacking. No money (or really time) for a wardrobe makeover quite yet.

I also have purged papers like no other. I still have a ton, but am down to a fifth of what I had. Helps now that most of that stuff is online. No need to keep historical payments, bills, etc anymore. I managed to get rid of stuff from middle school on! It helped that I finally accepted that my past likes and hobbies are in the past. They helped shaped me, but they have no bearing on me now. I could finally let go.

I still have a ton of physical things I need to purge and sort, but i am happy with where I am now. The rest can wait for a rainy, or snowy, weekend.

Money-wise, I am still in a holding pattern. Spending is still only joint liabilities, gas, and groceries. Tight, but still able to have a little "mad money" as needed to spoil me and the kids (talking like $10 a week). I am noticing that I am spending less and less mad money each week as we adjust to this new life. It feels good.

I cannot wait for the new year. I am working on a goal of new year = happy, healthy and strong new me. I am already headed in the right direction, so i just need to keep moving that way!