Digging deep for insurance

Second half of the year is definitely no good for us. Money wise.

Our birthdays fall into this half. We moved to this house and bought cars the same time. Therefore when it is time to pay for home contents insurance, car regos and auto insurance, mind you, two cars, birthdays and anniversary presents, our budget goes whacky. The premiums for these insurance sure are big chunks, but I guess it is compulsory for peace of minds.

Oh, yes. Christmas shopping list. Did I ever mention we do not get bonuses?