Is Car Insurance the Same as Truck Insurance?

Call me silly but when we got our "new" used car I asked a question that made my insurance broker laugh. I simply said "Is Car insurance the same as Truck insurance?" A silly question yes, it did not come out right, I blame lack of sleep and not enough caffeine that day. But I did have an honest question. We had a SUV before switching to a more gas friendly car and I wanted to know if we needed different insurance. Did we need less insurance, like was my car less a risk than my SUV. Did I need more insurance since it was a newer car?

My broker did not seem to think my questions were as serious as I thought they were. He assured me things would be covered. That if I paid a bit more a month we would have the coverage we needed. This was put to the test when my car was dented in a parking lot. I came out of the store from shopping only a short period of time to see a dent in my back panel. No cars around, no note to say hey I'm sorry I hit your car, nothing but my dent and me. I was so sad! I was even sadder when I learned the super high price of my deductible for a small dent!

I now wish I would have looked around more to compare discount auto insurance rates online. If I had been able to compare things like coverage, liability and deductibles I would have know to pay just a bit more a month to not have such a high deductible. When our current contract runs out I will definitely be comparing companies and trying to get them to make me the best deal rather than sticking to what worked in the past.

So now I know Car, Truck or SUV the insurance matters and is not the same!


*This is a sponsored post. All opinions are my own and may vary from your experience*

Quick and Healthy Meal Options for Mom with Lean Cuisine

Shopping at Sam's Club is a weekly trip for my family. In the past we would do one big trip a month but since my son was born a few years ago we like to go a few times a month to see what new items we see and deals we can find. Plus I find it fun to take my son with me out and about. He likes to go shopping with me, especially when there is Sam's Club samples involved :)

For me shopping at Sam's Club is easier to be able to stock up on items. I am the type of person who wants to have things handy when I need them. The was two grocery stores close by me but one closed so there is only one grocery store and they are somewhat expensive. I do not like to run out of things and end up over paying there since its closer.

Not only do I save money shopping at Sam's Club I save time, something that is priceless! I do use coupons often but I have found with some deals the time it takes to gather coupons, compare prices and map out my plan could be spent playing games with my son or reading a book to him. Not to mention the amount of gas it takes to run all over town gathering the items. Going to Sam's Club I dont need coupons and its just one store.

My husband and I were planning a Hunger Games movie date night. Lean Cuisine for me pizza for him.

I have been trying to make better decisions for food I eat. The last six months have been an emotional rollercoaster for me and it has taken a toll on my waistline! I am looking for food that is just for me to eat. I want to have it be easy to make, small portions, low in fat and at a great price. I dont want meal plans or shakes, I want real food that taste good. I am a fan of Sam's Club Frozen Foods, its easy to cook and convenient to have in the house. While we were at Sam's Club I found a 6 pack of Lean Cuisine Asian inspired meals for less than $11.25. Flavors like Garlic Ginger, Sesame Chicken and Teriyaki all sound delicious! I enjoy eating Asian flavors of food, often its deep or shallow fried so not the best for me. I was so glad to see Lean Cuisine was making a low fat no preservative entree.

 I love to eat fried rice with peas and carrots in it when we go out to eat at Asian restaurants. The problem is the item is FRIED! Not good for my overall health. I planned to add some boiled white jasmine rice and steamed veggies as a nice side dish to my Lean Cuisine. #FrozenFavorites

For our movie date night I tried the Sesame Chicken with Pasta for only 9 grams of fat. The rice and veggie side dish had no fat making this a great low fat and delicious dinner for me. I was satisfied eating my meal, sometimes "diet" food can leave you feeling hungry. Since we were watching The Hunger Games the last thing I wanted to be was hungry! I like knowing I can afford something tasty for my diet needs and still have time to make my family something else for dinner. Next weekend when my Mother in law comes over I am going to serve her and I the Lean Cuisine Ginger Garlic Chicken Stir Fry. I think she will love it!

You can read my Google+ story about my shopping trip to Sam's Club and see all the great samples my son and I tried.

To connect with Lean Cuisine and learn more about the Lean Cuisine Delicious Rewards program you can be a fan on Facebook and follow them on Twitter.

*I am a member of the Collective Bias™ Social Fabric® Community.  This shop has been compensated as part of a social shopper insights study for Collective Bias™ and (Nestle) LEAN CUISINE #CBias #SocialFabric

Save Money Shopping: Online Offers

 

 

CanvasPeople.com is offering a free 8x10 or $40 off larger sizes (just pay shipping) as a special introductory deal! 

 

Remember 2 canvases are always better than 1 and with $40 off larger sizes, you can get the size you want even cheaper!  

 

Plus, While supplies last, we'll include a one-year subscription to Kiwi magazine ($6 value, 6 issues) with any purchase of a canvas print (a $49.99 value) (excluding taxes and shipping & handling charges) starting at $14.95!

 

 

 

FabKids is still having a great $25 deal!  

 

Why Sign Up Now? FabKids is so confident that you’ll love the clothes and the shopping experience that they are offering the first outfit for $25. This deal won’t last forever. At more than 60% off the retail value, it’s a steal. Love it – stay in the FabKids club to get playfully styled outfits year-round. Don’t love it – cancel anytime for any reason with absolutely no strings attached. No penalties. No problem. Try FabKids today.

Each month FabKids will suggest an outfit. These playfully styled outfits are only $39.95. It’s easy to accept the recommended outfit in a single click either via e-mail or on the site. You may also shop the collection to choose your own outfit, or simply skip the month. There is never an obligation to buy – you may “skip” as often as you’d like.

If you are not totally delighted with the FabKids experience you may cancel your membership at any time. No problem. We’re here to make shopping for your daughter fun, easy and affordable. Period. 

 

You can sign up to get their emails and take the Fun Style Quiz  

 

 

 

 

 

Have you shopped online at Zulily yet? Daily Deals for Moms, Babies & Kids! 

 

 

 

 

 

Sign-up for eBay Fashion Vault emails and become part of special fashion events of branded clothing, shoes, and accessories. Selections range from exclusive collections to special access events and one-of-a-kind items...and shipping is usually FREE! 

 

 

 

 

Join Big 5 E-Team today and get 10% off your next in-store purchase. 

 

 

 

What Online or In Store Offers or Sales have you seen this week?

Beautiful Thoughts

This is my Birthday Card from last month from my husband. I took a picture of it to remember the words on it. Often cards get placed in a drawer or box to be cherished, this way I can see it more often.

Do you love greeting cards? What is your favorite way to cherish them?

Help Teachers and Children with Elmer's Bag It Forward Back to School Supplies

I have always loved the beginning of the school year. It was a fresh start with so much to look forward to learning. New teachers, new students and new back to school items were wonderful. For many families back to school can also be stressful due to the cost of getting kids ready for the new school year. I want to make difference in the lives of kids in my area. Helping with back to school supplies is a simple and great way to help out.

My son is not yet in school but I still feel the need to help out other children for this exciting time of year. I have worked with a wonderful charity Champions for Kids in the past and was thrilled to learn they were having a Elmer's Bag It Forward campaign as the Simple Service Project for the month of August. There is still plenty of time to make a donation. Champions for Kids has many great ideas on how anyone can help. As an individual or as a group. You can host a back to school neighborhood party where you asks your guest to bring school supplies to add to the big donation. You can have a school supply drive at your work or church. You can also shop with your own family to gather supplies at the store to donate.

My son and I shopped at Walmart for our donation since I knew it would be a great store to find low prices. You can give your donation to a local teacher, charity or food bank. Many food banks will be able to make sure your donation goes to kids who need the items. We are planning to donate our items to a local elementary school teacher.

Many of the items at Walmart were $0.50 or $1 like this Elmer's Glue.

If you are unsure of what to buy for back to school supplies look inside your local Walmart. They have a big Elmer's display that contains lists by grade for the items needed. If your shopping for your own kids too it would be a great time to show them how they can help select a few items for other kids.

I have selected the elementary school since its in my own neighborhood. I picked a second grade teacher since my second grade teacher was awesome and so was the school I went to at that time. We drive by the school all the time on the way to the park and store. The kids that go to that school are the same ones that play at the park my son goes to, the parents are the ones who shop at the local stores we do. It feels awesome to be able to help a teacher and her students that are a part of my own neighborhood. There have been cut backs in the school district in our area. Teachers often have a large out of pocket expense to make up for the lack of supplies and I feel great knowing we will do our part to help. Since we shopped in the local Walmart in our neighborhood about 10 minutes from the school we were able to get 47 items for $26! That is a lot of supplies that will be used by kids that live near by.

 If you do not know of a charity or school in need but would still like to donate you can look in your local Walmart in the back to school area or near the check out lines for the Champions for Kids Elmer's Bag It Forward donation box. Its an easy way to be able to help local kids.

Anyone can participate in a Simple Service Project from Champions for Kids. Its a great way to get your family, friends and kids excited about back to school by helping out other kids with a Elmer's Bag It Forward donation. #BagItForward #Champions4Kids

You can read my Google+ story for ideas on what to buy for your Elmer's Bag It Forward donation.

My son had a blast helping me shop and organize the items we plan to donate.

Some info from the Champions for Kids site about the Elmer's Bag It Forward campaign: 

Did You Know?

• Teachers spend an average of $356 out-of-pocket on quality school supplies every single year. Many
spend up to $1500 just to provide basic classroom necessities.

• More than 31 million students from low-income families receive free or reduced-price school
lunches. Their parents often find it challenging to buy project boards, scissors, paper and glue. It’s
been proven that having quality supplies is important to building a child’s confidence and self-esteem
which, in turn, supports educational accomplishments.

*I am a member of the Collective Bias™ Social Fabric® Community.  This shop has been compensated as part of a social shopper insights study for Collective Bias™ and Champions for Kids #CBias #SocialFabric All opinions expressed in this post are my own.