money-saving-in-the-works

I found a new website that pays you to go to other websites. It is BeRuby.com & so far I like it. They don’t pay much for each click, but they have a lot of commonly used sites like FaceBook, MySpace, YahooMail, Gmail, and many others. Each click is worth half a penny and you only get credited for a visit every 24 hours, so you can’t click for credit every 5 minutes. They pay to your PayPal once you reach $10. I only signed up last Thursday I think, and I’ve gotten $1.10 already. Some of that is the sign-up bonus, $1.00. But I’ve gotten 1 to 2 pennies per day. Its not much, but when the only thing your doing is clicking to go to something you normally go to anyway, its good.

My birthday was last week & I got a new HD camera for it. I like it! Its much better than my old camera, now I just have to get me a webcam so that I can video chat with Hubby when he stops for the night while driving. I’ve already gotten some of my Christmas shopping done, 1 present for each of the girls, 2 for my mother-in-law, & 1 for Hubby. All that’s left is 3 more for each of the girls, and my sister-in-laws & their hubbys.

Well, after my post about Medical Insurance yesterday, I spent the afternoon reasearching & looking at different plans. I found one that I like, its going to cost about half what it would have through Hubby’s work. The deductible is still $15,000 but there are no charges for annual physicals (even yearlies for women) or well baby visits. It even has a 0% co-insurance once we meet the deductible! Which is pretty good, in my opinion.

I’ve been working on getting the house all cleaned, our lease is going to be up at the end of the month & we’ve decided that we’re going to find a rent-to-own house. So I’ve got to go through & get rid of the clutter, box up stuff that we won’t need before next month, & clean the house so we can at least get most of the deposit back. But I’m not going to count on it, we’ve been burned too many times on that front.

I’ve been number-crunching again & realized that if I work every day,  I only have to earn $125 a day. Of course, that covers all the fun stuff too not just basics. Basic only budget would make it $95 a day. I’ve got 5 work at home gigs that I’m going tobe using to meet that goal. Its going to be hard work at first, but 2 of my gigs are the long-term type of income. I’m not talking about investing either, but affliate marketing… I just have to figure it all out first! LOL

I have a love/hate relationship with medical insurance. I love having it because I’ve got 3 kids that have to go to the doctor on a regular basis, along with the dentist & the optometrist (bad eyes run in my family). I hate the cost of it though! We usually go through my husband’s work because that’s always been our cheapest/best choice. And with me not working, sometimes it was our only choice. Hubby has finally been at this company long enough to qualify for their insurance. It’s going to cost us $163/paycheck & he gets paid weekly! That means we are paying over $700/month for insurance. And it has a high deductible, $15,000 for the whole family. I’m not 100% sure on all the insurance lingo yet but my friend says that’s a very high deductible, especially for how much we pay. Everytime I’ve looked at insurance though, its always had deductibles in the thousands. I should be getting the insurance information soon, probably this weekend when he comes home, & I’ll be reading that next week. I’m hoping to find something comparable online that doesn’t cost so much! The insurance is going to knock his checks from over $800-1000/week to $600-800/week. There has to be something out there that is cheaper for us!