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.Finish decluttering the first floor of our house.
Last month, I decluttered the majority of my kitchen. The stopping point was the built-in desk that doubles as my home office. Not only do I want to tackle this office of sorts, I figure I might as well finish the first floor. That includes the family room, dining room, living room, and hall closet. I promise I’ll share some numbers at the end of the month in terms of what stays, what went, if I was able to sell anything, and so on.
Find new insurance for our house and our cars.
I’m fairly certain that I’m setting myself up for failure with this one. Last year, we settled on Madison Mutal for our homeowners insurance even with a rate increase. Because NO ONE could come close. I even had a few other companies refuse to tell me their quotes because they were coming in that much higher. I’m still going to give it a shot, though, because it was nearly a $200 increase. Unlike virtually everyone else in my neighborhood,* we’ve never claimed anything. Ever. The problem–if I can call it that–seems to be that the value of our home is increasing. It makes me cranky now, but I do a happy dance when I check out Zillow.
Our car insurance also went up, which is particularly annoying. Our cars are older, our credit scores are higher, we’ve not claimed anything, and so on. I’m more hopeful about finding better auto insurance than I am about the homeowners. Only time–and a bazillion phone calls–will tell.
Continue to build my financial literacy.
I’m particularly interested in learning more about retirement and investment options for educators. Because the 403b that is offered by my school district stinks due to the fees and super limited options, I want to do more — I’m just not sure what. Lame, I know. I said I’d work on it! In the spirit of full disclosure, here’s where we stand currently: Mr. P and I both send just shy of 10% of our salary to our pensions, and we also have Roth IRAs that we are on track to max out again this year.
*Lest you think I’m being hyperbolic, over 100 house in my subdivision used stormchasers to replace their siding and roofs this past year.
So Tell Me…What are your goals for October? Do you know the magic phase to get lower homeowners insurance rates?