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  • Getting Your Car Insurance Right - Small Notebook
    your Collision coverage it might raise your premium for three years So basically you pay for Uninsured Underinsured coverage for Property Damage just to avoid the chance of paying more for Collision if you use it for that The Uninsured Underinsured coverage for Bodily Injury may be unnecessary too if you already have medical coverage Go look at how much it costs weigh the odds and decide if it is really worth it to you 4 If you have benefits through an employer or organization consider canceling Personal Injury Protection PIP You do not need Medical coverage from your car insurance agent if you have it from work The same goes for Disability coverage A Life Insurance policy that covers you no matter what is better than one that only covers you in an auto accident One exception here is that PIP covers other passengers in your car as well so you might want to keep it if you often have friends carpools or clients ride in your car with you 5 Do not assume that just because you have been a customer for several years and there is a renewal discount on your policy that you are getting the best rate Call and get a quote from another insurance company just to make sure 6 Raise your deductible to lower your premiums If you eventually do need to pay the deductible you can use the savings from your lower premiums 7 Try to qualify for other discounts Find out if it is worth it to take a defensive driving course Get a policy discount by buying your home insurance from the same company Teenagers can receive good student discounts You could even get a discount from having a shorter commute Auto Insurance Quick Reference Bodily Injury pays for injuries caused by you It does not pay for injuries to yourself or other passengers in your car with you Property Damage pays for damage that you cause to someone else s car or property Uninsured Underinsured Motorists pays for your injury or property damage if you are hit by a driver with no or not enough coverage Personal Injury Protection PIP can also be called No Fault Medical It covers medical expenses lost wages essential services and a death benefit to you and your passengers Collision Coverage pays to repair your car due to a car accident Comprehensive pays to repair your car due to causes other than a collision This post is part of the Carnival of Personal Finance 7 Comments May 9 2008 in Money About Rachel I write about practical tips that will help you simplify at home Connect with me on Pinterest and Twitter Previous Scenes From My Day Next Managing Daily Responsibilities and Actually Doing Them Comments arsene says May 9 2008 at 9 19 am excellent informations iam an insurance agent in Houston New in the business and i always try to break down the coverages for my customers so they can seewhat they

    Original URL path: http://smallnotebook.org/2008/05/09/getting-your-car-insurance-right/ (2016-02-10)
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  • Managing Daily Responsibilities, and Actually Doing Them - Small Notebook
    I m going to print it out and keep it in a page protector on the counter I have a few dry erase markers that I can use to check off the items and then wipe it clean for the next day Go take look at it Even if you have a home notebook already I bet you find something helpful 1 Comment May 5 2008 in Organize About Rachel I write about practical tips that will help you simplify at home Connect with me on Pinterest and Twitter Previous Getting Your Car Insurance Right Next My Bathroom Looks Like a Bakery Comments Megan SortaCrunchy says May 7 2008 at 2 40 pm I am in love with her notebook series I am trying to get mine set up too Mine probably won t be all art y and cute like I bet yours is going to be you artist you but hopefully it will get me in GEAR to get things done everyday I found Simple Mom through her comment here on your blog can t remember which post and I am SO GLAD Love her Advertisements Hi I m Rachel I ll help you simplify your home Share

    Original URL path: http://smallnotebook.org/2008/05/05/managing-daily-responsibilities-and-actually-doing-them/ (2016-02-10)
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  • My Bathroom Looks Like a Bakery - Small Notebook
    high memories of Sun in streaks on my brown hair 11 Comments May 4 2008 in This That About Rachel I write about practical tips that will help you simplify at home Connect with me on Pinterest and Twitter Previous Managing Daily Responsibilities and Actually Doing Them Next Organized Food Storage Restoring My Sanity in the Kitchen Comments Megan SortaCrunchy says May 7 2008 at 9 28 am THANK YOU for posting this Awesome SO helpful to know I ve heard a few people now say that the ACV wasn t what they hoped it would be You are so gorgeous by the way Hi Doug Megan SortaCrunchy says May 11 2008 at 7 58 pm Okay I am back with a question I am starting the shampoo free journey last shampoo was on Saturday and I am already anticipating issues with greasy scalp I am interested in the rosemary EO when you say your scalp hasn t been greasy since then are you saying since that only application of it or do you use it as needed for greasy scalp smallnotebook says May 12 2008 at 8 49 pm Good for you Megan for giving shampoo free a try Ok when I tried the rosemary essential oil with apricot kernel oil it cured the oily and flakiness with just one use I tried it again three days later but didn t see any additional benefit and I haven t needed it again I wish I knew exactly how rosemary oil works but it is one of those herbal remedies that is traditionally known to relieve oily scalp and dandruff Like any essential oil it should not be used directly on skin without diluting it an another oil So if you are shampoo free I m not sure how you would wash all the oil out the next day When I tried it it was right before I quit using the shampoo so I used it more like a transition aid to becoming shampoo free Audra Marie says May 19 2008 at 11 39 am I ve recently heard about this shampoo free idea but I ve been a bit nervous to try it I ll have to look into the Rosemary EO If I miss one day of shampooing my scalp is itchy and flakey and my hair is oily I ll have to print this post out and try some of your ideas Heather says May 19 2008 at 3 36 pm Your hair looks fabulous I went poo free a couple of weeks ago and am loving it My stylist is even on board with it which is a refreshing change from stylists who try and push all their expensive products on you Audra Marie says May 19 2008 at 5 06 pm Ok back with questions What type of baby shampoo do you use and did you have a greasy transition period smallnotebook says May 19 2008 at 7 55 pm Thanks Heather I was almost

    Original URL path: http://smallnotebook.org/2008/05/04/my-bathroom-looks-like-a-bakery/ (2016-02-10)
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  • Organized Food Storage: Restoring My Sanity in the Kitchen - Small Notebook
    cabinet and see the jars neatly lined up Part of the linen closet is set apart as a pantry for additional food storage I do one major grocery shopping trip per month and load up on all the pantry items that we will need Other weeks I just stop by the store when I need fresh milk eggs and produce This has saved me so much time and work It cuts my grocery shopping time in half and it also lets me take advantage of sales I do feel better prepared for emergencies A couple of years ago when Texas was hit by hurricanes Doug and his friend went to the store to stock up on food They came back with a case of tomato sauce lots of chips and some oatmeal creme pies Thank goodness the hurricane never reached us Doug ate the oatmeal creme pies anyway 10 Comments May 2 2008 in Organize About Rachel I write about practical tips that will help you simplify at home Connect with me on Pinterest and Twitter Previous My Bathroom Looks Like a Bakery Next Reality Check Downgrading Monthly Services Comments Simple Mom says May 3 2008 at 9 43 am Love this I use spare jars all the time too It reuses stuff it s stackable like you said and it s easy on the eyes Plus I feel all going back to my roots when I m using glass jars Something very homey about that Megan SortaCrunchy says May 4 2008 at 7 31 am LOVE this Rachel What a great idea Will you post more on your bulk buys and once a month shopping smallnotebook says May 7 2008 at 1 18 am Sure karen Pediascribe says May 17 2008 at 8 04 am Hi I m here from Simple Mom Congrats on your award I love this idea My pantry is a mess And I have a bunch of jars in the basement that were intended to be made into those layered cookie gifts Besides with all of the news about plastics and leeching glass is a great option smallnotebook says May 19 2008 at 11 01 am Thanks Karen you re right about the glass It s funny how as we become more knowledgeable about health we go back to some old fashioned ideas Audra Marie says May 19 2008 at 11 04 am I love jars this is a great idea I think I ll slowly convert my storage to jars as I empty them out Mike Loydd says September 23 2008 at 12 47 am Was just surfing the web and I came across you site and I have to say that I am greatly impressed Thank you Acumen Press Penelope says September 24 2008 at 2 46 pm This is a great article I am going to use some of this as I just downsized kitchens Barbara says October 25 2009 at 6 44 pm Those jars can be sealed with a seal

    Original URL path: http://smallnotebook.org/2008/05/02/organized-food-storage-restoring-my-sanity-in-the-kitchen/ (2016-02-10)
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  • Reality Check: Downgrading Monthly Services - Small Notebook
    Isn t that incredible how it adds up Maybe these tips will work for you too so you can save money off your bills and keep it for something better 9 Comments May 1 2008 in Money About Rachel I write about practical tips that will help you simplify at home Connect with me on Pinterest and Twitter Previous Organized Food Storage Restoring My Sanity in the Kitchen Next Series A Study in Brown Comments Megan SortaCrunchy says May 2 2008 at 5 24 pm We are ALL ABOUT downgrading the services I had a prepaid phone for a while until the university gave Kyle a phone so I took his old one account You are so right if you don t use it much it is SUCH a better deal We don t have extended cable anymore It s actually been almost a year and a half since we ditched it We pay 17 a month for basic and get PBS important to me and D and the networks OH and CSPAN and CSPAN2 Makes for dull weekends but it s liveable It s actually kind of liberating right smallnotebook says May 7 2008 at 1 14 am PBS is so fun to watch on Saturday mornings I love Norm on This Old House It really was more about the time than the money when we decided to go without cable Sometimes I miss it Just not all the commercials Eden says July 30 2008 at 9 34 pm Great tips I did exactly the same thing with my cell phone I went with t mobile as well the savings are incredible Right now I m struggling with how much to cut from my cable bill It s hard to give up TV completely but I m sure we would get by Dan Tanner says August 1 2008 at 12 12 am How can i give up Internet and cell phones Thats very hard to do My own services for basic phone TV Internet 99 and the long distance is not included Holly says August 1 2008 at 10 14 am Virgin Mobile also offers a great deal on cell service for those who rarely use cell phones Linked to your credit card which it draws from to top off 15 if your balance falls below 5 or so my service costs me 5 a month That 5 can be used towards calls which are 25 cents a min for the first 10 minutes of a call and 10 cents a min for every min thereafter I use my cell for 5 min a month on average so this is a great deal for me For 60 a year I have a phone in case of emergency Assuming I can find the phone and that it is charged but that s another story smallnotebook says August 1 2008 at 11 54 pm Eden maybe try just a temporary cable cut to see how it goes I m glad you

    Original URL path: http://smallnotebook.org/2008/05/01/reality-check-downgrading-monthly-services/ (2016-02-10)
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  • Series: A Study in Brown - Small Notebook
    Connect with me on Pinterest and Twitter Previous Reality Check Downgrading Monthly Services Next Herb Parade Comments Andrea from AK says June 17 2009 at 1 01 am Creative and Clever Mom You have an eye for art Dah dum ching Advertisements Hi I m Rachel I ll help you simplify your home Share this site Pin it Get new posts delivered to your inbox Subscribe by email For Winter

    Original URL path: http://smallnotebook.org/2008/04/29/series-a-study-in-brown/ (2016-02-10)
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  • Herb Parade - Small Notebook
    one a lot I can t wait to use these herbs to cook some frittatas I especially love the recipe for Kuku ye Sabsi I ve made it several times using whatever fresh herbs I had and it s unexpectedly delicious Add a comment April 26 2008 in Gardening About Rachel I write about practical tips that will help you simplify at home Connect with me on Pinterest and Twitter

    Original URL path: http://smallnotebook.org/2008/04/26/herb-parade/ (2016-02-10)
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  • Maintaining the Compost Bin - Small Notebook
    which is the name for the excess liquid from the bottom of the compost bin When I added extra water to the bin I created a problem The water compacted the material so the air couldn t flow and it caused anaerobic conditions inside the bin This is what made the bad odor it s a warning sign that conditions in the bin are unfavorable Additionally there is a risk with using leachate on plants since it is made from unfinished compost it can contain pathogens harmful to humans and plants The excess water also reduces the nutrients in the finished compost by washing them out of the bin Worm tea on the other hand is made by soaking finished vermicompost in aerated water to create a liquid with helpful aerobic microorganisms This worm tea as well as the compost itself provides nutrients helps the plant resist disease and helps the soil retain water for drought resistance In a few more weeks I ll be able to harvest the finished compost for my plants Related post How to Make a Worm Compost Bin 4 Comments April 26 2008 in Gardening About Rachel I write about practical tips that will help you simplify at home Connect with me on Pinterest and Twitter Previous Herb Parade Next The Oleander Bloom Comments CompostGuy says April 26 2008 at 8 41 am Great to see your progress report Rachel just finished reading your article about setting up a worm bin You are definitely right about worm tea it will be much higher quality if made from finished vermicompost While I don t recommend adding lots of water to most worm bins I think the ultimate system would in fact be one that has a constant but slow flow of water through it enough to

    Original URL path: http://smallnotebook.org/2008/04/26/maintaining-the-compost-bin/ (2016-02-10)
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