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Sunday
Feb052017

Decluttered and cashed up 

 

As my declutter mission continues I’ve found a huge bonus in getting rid of things in my life that I don’t use anymore.  I’ve saved myself a stack of cash.

It started with my Amex card which I haven’t used in two years.  I’ve had it for over 15 years but held on to it in case of emergencies (hello What If Girl) … also I really liked the combination of my lucky numbers on it.  I rang to cancel and had a lovely chat to the customer service woman, explaining that I signed up for it when I was married – but that had ended years ago.  She looked at my file and said “yes, it looks like your relationship with us lasted a lot longer than your marriage did”.  Ha, true so very true.  That declutter (my card, not my husband) saved me $80 a year in fees – that’s about 15 x skinny lattes. 

Other things I rarely use included my stove (ha, just joking) and my home phone.  I have it mainly to call my parents but now Mum has a new plan where she can call me for free (bonus) so I can ditch the landline too.

I called my friends at Optus and a lovely man with a cute Mexican accent talked me through my current bundle of home phone and internet.  As I stuffed my face with sushi (I was multi tasking during lunch) he found a better plan and saved me over $700 per year … aka 160 x skinny lattes.  I love Optus.  We’ve been together for 18 years.  I’m a big fan of loyalty – can you tell? 

Next stop was my life insurance and all the grown up stuff I hate paying for but might need one day.  When I worked with a financial planning group, they instilled in me the importance of setting myself up financially for the future – and protecting my assets – with superannuation, death and disability insurance and income protection.  Classic products for the community of What If’s.  

I rang my broker / friend Rick and explained the angst I felt every time the insurance company deducted hundreds of dollars from my bank account every month.  Surely I could put it to better use?   Extra mortgage payments.  Top up my super.  A new handbag?

As a single girl, I told him, I didn’t have any dependents – except for Asha the cat and her decadent lifestyle – so surely I didn’t need as much cover.   Also, I protested, if it all went to shit and I couldn’t work, I’d just move back to Rads and move in with Mum and Dad.   They’d love that.   Imagine the hilarious blogs I could write about chickens and country living. 

To my surprise, he didn’t try and talk me out of it, but checked all my policies and we found that combined with my work insurance I was a little ‘over-covered’ and we could remove some of the plans I had.  Awesome.  No point in leaving more money than necessary to the Spoilt Cats Society.  He recalculated and it looks like I’ll be saving over $3,500 a year.  That’s a LOT of skinny lattes. 

Sure I promised him I’d put it towards my mortgage but I really do need a new handbag.  That’s a good investment of my hard earned cash, right ladies?

Alternatively I could buy myself a coffee machine and make my own skinny lattes, but what’s the point of that.  I’m rich now, I could hire my own hot barista. 

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