Tuesday, June 16, 2009


We're moving our checking over to one that allows us to pull out all our 'envelope' (food, fuel, entertainment, household, medical, etc) money from the ATM since our local credit union has a daily limit that is kind of annoying. We're using USAA, where we also have all our insurances through, and have one credit card that has the lowest rate/highest balance so is last in our debt snowball to be paid off. They're great, they have the lowest rate for car insurance that I've found. I don't think their life insurance rates are the best, it sounds like Zander Insurance that Dave Ramsey supports would be cheaper, but hubby was none too happy about the whole 'physical' thing and I don't think he'll consent to go through it again. I suppose I could change mine, maybe I should call and see if it would really be that much cheaper. We have 100K on me, I stay home, 15 year term, and 250 on him, 30 year term.

I'm glad that I can get life insurance on myself. We chose 15 years because it's cheaper, and if needed I can renew it then. And also, likely if it was a real emergency (ya know, I think it would be if I DIED) my now toddler should be able to step up and 'do' most of what I do in 15 years. I'm not able to get disability insurance on myself, which is something I looked into because if I become permanently or long-term disabled, someone is going to have to take care of the kids. But they only cover loss of income for disability. Hubby does construction, and I'm pretty sure disability insurance is way out of our price range for him.


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