Kids, College, Cars and Auto Insurance

It’s officially Back to School for most of the country. I’m still in denial that summer is over but the list of school supplies and class schedules are bringing me back to reality. This is the time of year that not only my personal life gets busy, but my job does too. Working in the insurance industry I get tons of calls with questions from parents about their teens heading off to college, and what is the best way to save money when it comes to their auto insurance. Though I don’t claim to be  an expert, I have had over 10 years in the industry and I have a few tips for parents (and teens) to save money on auto insurance.

 

Buy Used. I am still surprised after all these years that parents and teens think it’s the best idea to buy a new car. Sure overall they can be more dependable, but I will assure you the savings you get in just a few months of a large payment, or a few months of full coverage insurance, you will have enough saved for any minor repairs needed when you purchase a used car. Save that extra money for tuition, supplies, or even towards a new car in a few years. There are many great tips on what to look for when buying a used car that can help steer you in the right direction.

Carry Liability Only. Referring back to buying used, try to pay cash only when purchasing a vehicle; not having a loan leaves you free to choice what coverages you carry on your insurance policy. I do recommend, if you can afford  it, adding comprehensive coverage to your liability only policy. Most of the time comprehensive coverage is offered at an affordable premium, and covers everything other than an accident – so things like rocks hitting and breaking your windshield, vandalism, theft, or even hitting an animal, you’re car will be covered.

Keep Your Grades Up. Carrying a 3.00 GPA or better can save you quite a bit of money on your auto insurance policy; especially for males. Most companies just need a  copy of your progress report, or report card to put the discount on your policy. Be sure to make yourself aware of how often they need an updated transcript so the discount doesn’t get removed.

Call Before You Buy. No matter if you decide to get a used or new car, always always call your auto insurance company and compare rates on the different vehicles you are looking at purchasing; calling with a year/make/model of a vehicle to get a quote can sometimes be a deciding factor in a vehicle purchase. If possible provide the VIN (Vehicle Identification Number) to get an exact quote. You would be surprised how sometimes the cheaper vehicles will actually cost you more in insurance than one a bit more expensive.

Shop Your Rates. As a co-worker of mine always says, “nothing is good or bad without comparison.” Calling around to see what other rates may be at a different insurance company is always a good idea as well.

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Easy & Healthy School Lunches

This is a sponsored conversation written by me on behalf of Wet Ones® + Pepperidge Farm® . The opinions and text are all mine.

Up until this weekend I was really in denial about my kids going back to school. Though I do somewhat like the structure of the school year like daily routines and early bedtimes, with working full-time and doing it on my own makes it a bit tough. Making sure that everyone is up and ready to get out the door to the bus on time – with everything they need- stresses me out!

One of our biggest time consuming things to get done in the morning in packing lunches. The first few weeks the kids don’t mind a basic sandwich and snack.But as the year goes on it gets harder and harder to keep their lunches interesting, tasty and healthy. They get bored with the same ol’ same ol’ – and who can blame them? I have a lot more options working in an office, and a lot more time, then my kids at school. So the kids and I headed to Walmart to pick-up some yummy stuff for their lunches.

My son is probably the pickiest and he isn’t the biggest sandwich fan. I always like to pack finger-foods, he’s more likely to eat it and most of the time we can re-pack what he doesn’t eat for the next day.

One of his favorites is our Pepperidge Farm® Goldfish Crackers trail mix. Goldfish crackers, granola, and some chocolate make it his favorite sweet treat. Paired with a cheese roll-up, some fruit (his favorites are grapes and blueberries) and some string cheese and he’s set. What I love is I can pack these in advance for the week and he can grab what he’s hungry for each day.

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I even keep some for after-school snacks – that way he doesn’t snack too much and he’s still hungry at dinner time.

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He isn’t a big fan of meat, however he will eat cut-up ham or turkey with his Goldfish crackers and grapes. Plenty of protein and healthy – I also love to add some yogurt every few days as well.

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One of the items we never forget to put in his lunchbox is Wet Ones® antibacterial hand wipes. I learned a few years ago that the kids aren’t always given a chance to wash their hands before lunch – and do you know how many germs their hands come in contact with throughout the morning at school? Let’s just say eww. So I buy the Wet Ones travel packs or Wet Ones singles, to make sure that they always have clean hands before they start eating.

Speaking of Wet Ones, don’t forget to go enter for your chance to win a years supply of Wet Ones® for your home and your child’s classroom, plus $1000 cash! www.wishihadwetones.com

This is a sponsored conversation written by me on behalf of Wet Ones® + Pepperidge Farm® . The opinions and text are all mine.

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Have a Healthy, Quick Breakfast with Special K® Red Berries

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This is a sponsored post written by me on behalf of Special K® Red Berries.

We’ve already talked about it, but I think I’m still in shock. How can summer really already be over? I think the hardest part (at least for me) is getting our morning routine going again. Gone are the lazy mornings of summer (at least for the kids – I still worked everyday) and with the kids agreeing that we are not only going to have a smooth, non-rushed routine in the mornings, they also agreed they were going to work on eating healthier with me, which I think I was the most excited about!

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I’m coming pretty close to mastering the healthy nutritious packed lunches (go me) but I have to tell you breakfast has already been a bit of a struggle. My kids and I love sugary cereals (I know it’s awful,don’t judge me) so we decided to give Kellogg’s Special K Red Berries a try, and we all love it!

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I love that the Special K Red Berries is made with whole grains and real strawberries. Having this and milk makes a nutritionally rich breakfast full of fiber, folic acid and vitamin D.. and it taste fantastic!

I have been enjoying them everyday for breakfast for the past few weeks, and also for a night time snack if I’m hungry after a work out.

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Special K is partnering with chef and T.V. personality Laura Vitale to help women learn that nutritious food can be delicious food. Special K wants to help support you on your weight wellness journey and show that with just a few food swaps throughout the day is step in the right direction for your happiness – read more about their program here.

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This is a sponsored post written by me on behalf of Special K® Red Berries.

 

 

 

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Tips for Having an Awesome Tailgate

Football is upon us! Doing some tailgating is all well and good, but if you really want to have a good time this year, start planning ahead to make your tailgating event something extra special. Here are a few ideas to make sure your tailgating party this year really impresses your friends and keeps them excited for the next one.

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  • Pick some dishes to serve that will really stand out from the normal tailgate menu. Hotdogs and hamburgers are always good, but make it special with some interesting hamburger blends including cheese and spinach in the patty. Or do something totally unique like an omelet bar for those earlier games. And don’t forget the snacks, of course.
  • Whatever dishes you decide to serve, do as much preparation as possible the night before. Chop vegetables, shape hamburger patties, section out toppings in portable containers, etc. Make sure you are packing and storing them in a smart way that takes advantage of as much space as possible. Layer your cooler with heavy things on bottom and soft things on top to take advantage of the space. Repurpose items like a trashcan as a cooler so that it can be double-purpose on the day of the event.
  • Make your drinks part of the special occasion. Set up a Bloody Mary bar with all the fixin’s for your friends in the bed of your truck. Or set up a whole mini bar with all kinds of selections. You can get some mini cans and airport bottles of liquor to make this easy to accommodate for lots of people with different tastes. Or make some festive drinks in advance to pack in the cooler, like sangria or margarita mixes. Try to be adventurous with some drink mixes that are a little unusual. And for the end of the game, after your team has won, bust out the champagne minis for a tailgate celebration.
  • Find creative ways to make the best use of your space. Use cables and ties to hang things like your paper towel roll or your spatulas from the roof of your tent, the side of your fold out table, or the back of your truck. As people start to finish their drinks, put a plastic trash can into one side of the cooler so they can put the empty cans and bottles back in nearly the same place.
  • Always bring fun extras for your friends and relatives. Extra decorations, extra chains of beads, extra temporary tattoos, etc. Consider printing up some “team” jerseys custom to your tailgating crew with their nicknames included.
  • Set up your space in a way that makes the most sense. Make sure your grill is downwind from everyone else. Organize your tables with toppings in an area near the grill but not right next to the sitting area. Make sure to get lots of nice compact chairs and blankets for people to spread out. If you aren’t using the truck bed or back of the van for food, spread out some blankets and pillows for people to rest and sit, especially if it might get rainy.
  • Always bring extra tools. If you tailgate regularly, you might want to pack up an emergency kit of items you’ll want to have on hand like tongs, spatulas, plastic utensils, hand wipes, paper towels, lighters, etc. You can pack up a duffle bag, tool box, or tackle box with some of these items to keep in your car or truck all year round in case you ever forget some.
  • Provide a handwashing station, especially if you’ll be serving messy food. Use an old water dispenser, the kind you might put on the shelf in the fridge, for easy pouring. Bring along some bottled soap or mix the soap right into the water in the dispenser.
  • Bring along some games or other activities. Classic tailgating games include corn hole and ladder golf, which are fun for all ages.

Planning a truly fun and memorable tailgate just takes some creativity and attention to detail. Start planning now for a notable event and you’ll have your friends talking for months about your good ideas and attention to detail. Bleak

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Value Diaper Deals at Family Dollar

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This is a sponsored post written by me on behalf of Family Dollar

When you first have kids a lot of parents don’t really realize how quickly all the expenses add up.  Were too busy buying cute little outfits, decorating the nursery, and thinking of baby names – so when it comes to necessities like formula and diapers, some of us are a bit shell shocked!

Every where you go someone will give you an opinion about what to do, what to buy, and how to do things when it  comes to your child. I have learned after three kids of my own, that you are the only one who can make the right decision for you and your family. So when I was first introduced to Kidgets Diapers I decided to give them a shot, and come to my own conclusion about the new value diapers from Family Dollar.

kidgets_diapersI will be honest – I used to be a sort of a product snob. I’m not really not sure where it came from considering my Mom is like the bargain/deal shopper of the century. It took me awhile, but I started to learn that paying more didn’t necessarily mean better. When I finally realized you can get the same product (and sometimes even better) for less, well I started to pay attention.

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Kidgets’ diapers give excellent leakage protection with stretchable sides (my favorite part), and it provides a comfortable fit for your active little one. The material is soft and gentle, and to top it all off, Kidgets‘ diapers  are a great value. They believe in their product so much they even offer a 100% satisfaction guarantee, or your money back!

What I love about Kidgets’ diapers is I can use that extra money to spend on things we really want to – like that super cute outfit, those hair accessories, and shoes. Being able to save money on a quality products – the same protection and quality of other more expensive brands  – brings a smile to my face, and leaves money in my wallet.

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Be sure to find your local Family Dollar location, and check out the value of Kidget Diapers!

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