Spring Cleaning Your Budget

It is time for spring cleaning, and those backsplash tiles aren’t the only things that are messy. Chances are your budget could use a little cleaning too. Focusing on just a few areas can yield hundreds in savings each month.

Get Insurance Quotes

Your mortgage may be fixed for 30 years, but your homeowner’s insurance is a different story. Car insurance rates also change drastically over time as drivers age, liens shrink and tickets drop off your record. Spend an afternoon reviewing your coverage and average costs in your area. You may want to email or call your current agent, but also do a search like insurance quotes lodi ca in case a move to a new company is in order.

Consider New TV Strategies

Cable and satellite television rates keep going up but watching television can become cheaper than ever. Options like Apple TV require a pricey initial outlay for equipment but allow subscriptions that add up to just a fraction of your current monthly bill. No matter which devices or services you choose, most alternatives will produce an overall savings in just a few months.

Look At Different Phone Plans

Mobile phone carriers raise rates regularly, but people often stay with the same carrier year after year just to avoid the hassles of switching. If you live in a place where coverage varies little from one provider to another, switching may be worth the hassle. Prefer to stay with your current carrier? Okay, but remember companies offer new plans all the time. Review your actual usage and see if one of the more recent packages will serve your needs while saving you money.

Eat At Home More

Add up what you spend each month on restaurant food, including nice dinners out and grabbing a quick lunch on the go. You will be shocked. It is much cheaper and healthier to make food yourself. This one is better for your wallet and your waistline—how can you go wrong?

Why You Should Respect the Space of Wild Animals

Wild animals are inherent elements within nature. Truth be told, humans are as much animals as elephants, apes, and zebras, but more civilized and intelligent in some ways. With that said, all animals should be respected. But some humans get caught up in being at the top of the food chain, making them cocky and uncaring of wild animal matters. Unfortunately, this kind of disconnected, backwards thinking leads to species extinctions and habitat losses. So, to save the world with all of the animals in it, here are several reasons why you should respect the space of wild animals.

Image courtesy of assoonas at FreeDigitalPhotos.net

They Were There First

Most animal lineages go back for eons, with evolution leading the way in their development. The same can be said of humans, of course, but the wild animals that remained wild animals were here long before modern humans. So, if you want to base your respect on superiority of a position or premises, animals were there first. You should respect them because this was their home before it was yours. It’s highly unlikely that a wild pack of lemurs would ever wander into your home and set up shop. So, why should you do that to them by building a home in their natural habitat?

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Wild Animals are Stronger, Faster, and More Instinctive

While humans have evolved in what is considered civilization, thousands of species of wild animals have become stronger, faster, and more instinctive. They follow their natures, letting their true selves lead the way in their decisions and thought processes. Wild animals should be respected because they are nature incarnate. They embody everything that humans aren’t, in all of their civilized wisdom.

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You Could Be Destroying an Entire Ecosystem

When you disrespect animals with littering or slaughtering them or their habitats, you could be destroying an entire ecosystem. It’s the equivalent of pouring molten lead into an ant hill just to see the cool effects. You are, in reality, destroying a smooth-run, well-oiled ecosystem in the name of your own entertainment and fun. It’s wrong. Live and let live. It’s gotten to the point where animal protection officials and preserves have to take out animal life insurance to ensure the continuation of a species after an endangered animal dies.

Image courtesy of assoonas at FreeDigitalPhotos.net

Despite views to the contrary, humans are not the kings of the world. They are merely inhabitants—the same as any other animal. Respect of wild animals should be a given. And an appreciation for nature should be a passed down trait. Teach your kids that wild animals deserve to live and thrive as much as you do, because compassion will go a long way towards a good life.

Looking for cheap home insurance?

Insuring your home doesn’t have to cost a fortune – there are plenty of cheap home insurance policies on the market. However, it’s important to make sure that you choose a policy that suits your needs.

Here are some tips to help you to reduce your premiums without cutting back on the cover that you require.

Compare home insurance quotes and benefits

You could cut the cost of your home insurance just by shopping around and switching to another plan. However, whether you’re looking for buildings insurance or contents insurance, make sure that you compare the benefits that the different policies provide, as well as the premiums charged for them.

Choosing the cheapest home insurance policy on the market may help you to save money in the short term but, if anything happens to your home or possessions, you may not be covered for everything. There are some fantastic cheap home insurance policies on the market, but paying a little extra could mean that you get better value for money.

Make sure you get the right level of house insurance

While it’s important to make sure that your home and possessions are adequately covered, over-estimating their worth could mean that you’re paying higher premiums than you need to. Before you take out buildings insurance, check that you are covering your home for the right amount. If you are taking out contents insurance, make a household inventory to see what you own, and find out how much these items would cost to buy again if you needed to replace them.

It’s also important to make sure you aren’t paying for benefits you don’t need. For example, choosing a plan that includes cover for damage sheds or other garden contents could be a waste of money if you don’t have a garden.

Consider compulsory and voluntary excesses

Many home insurance policies include compulsory excesses, meaning that you’ll need to pay a fixed amount towards the costs involved when you make a claim. However, you can also usually opt to take out a voluntary excess, meaning that you’ll pay a little more if you claim, but your premiums will be slightly lower.

When comparing home insurance quotes, check to see if the plans that you’re looking at include compulsory excesses. You may find that plans charging similar premiums have very different excess levels.

You may also be able to get a plan with more comprehensive benefits for the same amount of money as a plan offering less extensive cover by taking out a voluntary excess. However, think carefully before taking out a voluntary excess – you need to be sure that you will be able to find your share of the costs if you ever need to make a claim.

Improve your home security

Making your home as secure as possible reduces the risk of your property being burgled or vandalised, and home contents insurers usually take this into account when assessing how much customers need to pay.

Mention any security features you have in your home, like window locks or alarm systems, to potential insurers. If you haven’t reviewed your home security for a while, take the time to do it – making a few changes to your home could help you to feel safer and lower your insurance premiums.

Finding the time to review your home insurance can sometimes seem difficult but it’s worth doing. Just by carrying out a little research and shopping around, you could get a better deal.