It’s annual salary increase time so let’s talk money

So I got my annual salary increase letter today. This is the first time I’ve gotten one at my current place of employment and I stared at the envelope with a mix of nervousness, fear, and excitement for a few minutes before opening it (yes, okay, I’ll admit I indulged about 10 seconds’ worth of wild fantasies about what if it’s something huge like a 10% raise?!?). The verdict? A three percent increase. Okay, cool, that’s nice. I’ll take whatever increases I can get! And then I started wondering what the usual annual percentage increase is for cost-of-living adjustment. Is it 3%? Usually a bit less? I believe my increase at my previous place of employment was 2.5% (maybe less? Whatever, I was making $17.25 so whatever it was bumped me all the way up to something like $17.80), but that was there. What was I supposed to make of the 3% raise here? Continue reading “It’s annual salary increase time so let’s talk money”

How to save money on car insurance

No, it’s not to spend 15 minutes on the phone with Geico, although maybe that would save you money! Although fun fact: my parents have been with their car insurance company for ages. A few years ago just for fun my dad decided to call Geico to see if they could save him anything and the guy who answered was like “uh your rates are amazing. No, we can’t beat that.” So maybe calling won’t save you money after all! Anyway, my parents gifted me my mom’s old car about a year ago and I’m now on my third car insurance policy. I’ve learned a bit along the way about how to save money in that department and I thought I’d share, even if this information may be pretty straightforward and obvious to people. Continue reading “How to save money on car insurance”