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Moving Cross Country – Our Story

My wife and I were newly married when we decided to pack up and move across the country. I had a few job prospects out that way and she was game for anything. We didn’t have kids, we were young, nothing holding us back. We just jumped in the car one day with a small trailer carrying a few of our most prized possessions. It was our greatest adventure.

When we got there, we camped for a few days and begged people we barely knew to let us use their showers. I was going on a few job interviews that first week and definitely couldn’t go looking like I’d slept in a sleeping bag next to a fire. I got a job pretty quickly so we upgraded to one of those extended stay hotels. A microwave, a small stovetop, a fridge, and a shower.

This, of course, wasn’t cheap. And it ended up taking us a lot longer than we ever could have anticipated to find an apartment and we had to spend a good chunk of our savings to furnish it. All this before I brought home my first paycheck.

So, we had to look for ways to save money wherever we could. It was going to be tough, especially while my wife was still looking for work. We cut back as much as we could. Looked for very cheap car insurance no deposit. Only shopped at discount stores. Bought whatever we could in bulk. We had rice and some kind of vegetable almost every day for dinner for that first month because it was plentiful and cheap.

But, it was worth it. I ended up loving my job. I quickly blew through my probationary period and was offered a promotion within six months. My wife found a great teaching job at a small school within walking distance from our apartment. Things just clicked.

Last week, we got another piece of news. We’re soon to be a family of three. Well, four, if you count the dog we adopted last month. Yes, we’re having a baby. Right when we were debating upgrading to the expensive cable package again. Guess our cottage rental in ontario will also have to cancelled :(.  We decided that we were fine living the way we were – keeping our expenses as low as possible, living within our means, and even starting to save for a down payment on a house. Moving here was the best thing we ever did.

No Down Payment Car Insurance – Car Insurance Time!

No Down Payment Car Insurance

I hate car insurance shopping, I really do. Trying to figure out the slight differences between each policy, and whether that small saving there is worth the difference in coverage. This year was even more complicated than normal, because I learned a whole new thing to consider – the option of no down payment car insurance.

I’d just been assuming that paying a down payment was a standard part of insurance, and begrudgingly had just been going with it. Turns out that’s not the case at all, and it’s possible to find a policy that doesn’t require one!

Whilst I was annoyed about this at first – another thing to have to think about? – I soon realised that actually, it’s a really good thing. Instead of having to try and get a deposit together, I can just forget about that bit and weigh up the monthly payments and deductible costs. It makes those bits slightly higher, but since I don’t have to come up with a chunk of money upfront it’s a little bit easier for me, and makes me feel better about my savings account.

I really wish I’d been taught more about what insurance actually is, involves and how to find the best deals – I’m still not sure I have actually found the best deal, but it’s definitely better than my previous one. If nothing else, I managed to get a new customer deal by changing from my old company to my new one. I wish company loyalty was still common, but unfortunately it’s not, so changing tends to lead to better deals.

I’d definitely recommend spending the extra time searching for no down payment car insurance – as I said, I hate shopping for policies, and it was an extra bit of annoyance at the time, but afterwards when I realised how much extra money it left me with, it was worthwhile.

I mean, I’m still hoping this policy remains cost efficient for a while, because I really don’t want to have to go through all this again. I might have got a policy that I wanted, but it’s not made me like shopping any more. It was a bit easier thanks to comparison sites like: http://www.insurancecaffe.com, but still more of a hassle than I would have liked.