5 Tips for Lowering Your Car Insurance Bill

Car insurance is often toward the top of the list of any family budget. The amount of money it costs to drive has reached epic proportions. Naturally, you don’t want to spend all that money on something you might never use yet always have to have.

We’re going to give you five clever tips for lowering your car insurance bill.

1.      Don’t Drive a New Car

Rather than buying a new car, buy a used one instead. Insurers know that new cars are infinitely more valuable and much bigger targets for thieves if they’re bought new. Expect big insurance bills if you go down this route.

On the other hand, you can save a lot of money if you buy a used car. Scrape some money together and purchase a used car, even if it’s close to being new. This will reduce your monthly bill by hundreds.

2.      Don’t Put Everyone on the Policy

It’s tempting to put the whole family on the policy, but in the eyes of an insurance company this is a risk. They’re not just insuring one driver they’re insuring multiple drivers, so it’s only natural to see the price go up.

If you do have some occasional drivers in your home, this still isn’t a reason to put them on the policy. Instead, you should take out temporary insurance on the rare occasions they do need to drive. This can be done without breaking the bank.

3.      Secure Your Car

Theft is rampant everywhere, including in the UK. Use a company like themoneyhub.co.uk for an injection of cash and invest in securing your car. This includes the best locks you can buy, car alarms, and steering wheel locks. You should also have a GPS tracking device that allows you to track your car after it’s stolen.

The biggest money saver is to store the car in a secure area, such as a garage, but this isn’t always practical.

4.     Accept a Higher Excess

If you accept more than the voluntary excess, this means you agree to pay more towards the cost of repair in the event of an accident. This sounds bad, but if you’re not at fault you’ll get this money back from the other driver’s insurer anyway.

Good drivers will find a higher excess goes a long way to reducing their premiums, whilst at the same time being of no risk.

5.     Shop Around

Always shop around for the best deals. You should never settle on the first offer. With all the insurance comparison sites available to you, it’s easier than ever before to type in your details and get a list of quotes in a matter of seconds.

The Truth

The reason why insurers can charge so much is because people don’t shop around. They’re lazy and so they renew with the same provider each year, even if the prices go up.

Get an advantage and have no loyalty to any company. Switch as soon as you see a better deal. That’s the best way to save money on your insurance premiums.

Live Ultimate Whole Sun Care Facial Sunscreen and Tinted Primer #Organic #LiveUltimate

I recently received  a full-size Live Ultimate Whole Sun Care Facial Sunscreen Tinted Primer to review. I don't usually use sunscreen in the fall and winter so I just recently tried some and I have to say I love it! I was afraid it would be too thick and would make my face feel like I had a bunch of makeup on or something but I don't feel it on at all! It feels nourishing and adds a burst of moisture to my dry, Midwest winter skin!

It has just a tiny bit of tint so it matched my face just fine. I can't wait to also try it out come summer when I am putting sunscreen on my 40-something face daily at the pool. Of course, I will also be breaking this out this winter when I go sledding with the kids or when we play outside!

Here are some of the great things I see about this product:

• It contains astaxanthin and other powerful antioxidants that are especially great for aging skin like mine
• It's all natural and mineral based
• It's made with organic ingredients
• Broad spectrum SPF 30
• 21% Zinc Oxide

Check out their other products here on their Facebook page! 

Here's how you can purchase it! Update: April 24, 2016 used this product today on 9 people and a little goes a long way. The slight tint makes us all have a healthy glow in pictures but it doesn't look like some obnoxious fake tan :-)



P.S. I might make a small profit if you click the link and purchase. Just wanted to let you know!

How to Have a Happy #Thanksgiving

1. Wake up and think of all the things you're grateful for.
2. Continue to think of all those things all day long, even if a family member makes you want to throw the gravy across the room.
3. Try to keep smiling and try not to stress eat..
4. When you are away from your family who may or may not annoy you, watch your favorite TV show or do your favorite hobby, like reading or scrapbooking or woodworking or WHATEVER. Try not to comfort eat.
5. Consider going for a walk after dinner.
6. Check out these awesome Thanksgiving crafts my kids made at their homeschool co-op.

How to be a Witch

How to Avoid a Sleepless Night

I love sleep. Who doesn't? But it's difficult to sleep well when your body is on a crappy mattress and your head and neck are on an even crappier pillow. To me, it's worth it to spend a little bit more for comfortable bedding, including mattress, pillow, and sheets because I spend roughly one-third of my life in bed! I need good sleep to be able to keep up with my busy lifestyle of homeschooling five kids and running several businesses, which include proofreading and writing, which really require my very best brain power and focus.

Something important you need to do that you might not be thinking about is ensure your mattress and pillows suit your sleeping style. Your sleeping style? That’s right! Think about these other factors, as well, when searching for a good night’s sleep:

• Do you toss and turn or do you rest peacefully in one spot most of the night?
• Do you prefer a hard or soft mattress?
• Do you prefer one or two pillows? Flat or puffy? Feather or foam? When my kids were younger they didn’t want pillows at all. As they get older they always want one, and when they start to hit the tween years they insist on two pillows! My husband and I each use two pillows, and one of mine is a Tempur-Pedic that should probably have been replaced a long time ago!
• Do you sleep alone or with your spouse? A Sleep Number bed might just be the answer if you and your spouse have differing opinions and tastes in mattresses.
• Do you snore? Get a pillow that fits your neck well so that it’s more comfortable for you to sleep on your side, where you are less likely to sound like a freight train all night long!
• Do you need a noise machine or fan to help you fall asleep?
• When was the last time you changed your mattress?
• What kind of sheets do you prefer? Super soft or anything goes? Maybe even flannel sheets in the wintertime might make you feel cozier and help you sleep better.

Better sleep tips:

·        Limit caffeine at bedtime, unless you are like me and are hardly affected by caffeine at all!

·        Stop smoking! Nicotine is a stimulant.

·        Avoid alcohol 2-3 hours before going to bed. Seems like a glass of wine would knock you out, right? But for most people it has the opposite effect, giving them the unwanted gift of restless sleep.

·        Know yourself. For some, exercising before bed helps them rest well, as it tires them out. For others, it gets them fired up.

·        If you just can’t destress but don’t want to become dependent on sleeping pills, consider taking the natural supplement of melatonin. You won’t wake up feeling groggy or hung over.

·        Make sure you go to the bathroom before going to sleep and also keep water near your bed so you don’t have to get all the way up out of bed if you get thirsty. You definitely want to be able to fall right back to sleep if you wake for any reason.