Welcome to MidMoKids Guide

My name is rachel, but I also go by Mo

I’m a mother of two wonderful boys, I decided to create this blog/ site from a need I had. I’m always looking for events to take my kids, and finding them can be tricky. So I decided to create this guide to share events for kids in your local area. Right now it’s just me so it’s going to limited ot my area. Hopefully some more people can join in the future and we can expand this operation!

Until then you’ll just have to put up with the few locations I can manage. I will also be blogging about myself, my children. The challenges and the fun!

Hope you enjoy this blog!

There is a Lot of Talk About Who Has the Cheapest Auto Insurance

So Who Does Have the Cheapest Auto Insurance?

I’ve noticed lately that a lot of my friends and coworkers are looking for ways to save money. I must admit, there are a few areas I could cut back in myself. The other day, I heard a couple of coworkers discussing who has the cheapest auto insurance. I was surprised to hear about the rates they were paying for auto insurance but I was equally surprised to learn about all their strategies to save money.

I never knew that so many people are working towards saving money but I guess it’s understandable. My family always shops the sales and utilizes coupons as often as possible. This is only one of the ways we try to save but it helps. We all commit to eating out only once during the weekend and always at home during the week. Our kids pack their lunch for school and we have recently started shopping wholesale to add to the savings. These habits add about an additional $225 to our monthly budget. Every little bit helps and we definitely notice the difference.

We decided to share vehicles for work and school to cut down on fuel costs and this worked out perfectly so far. We were also fortunate enough to save on our coverage by researching who has the cheapest auto insurance in our area. I was glad to see the decrease in this overall cost because it was incredibly expensive before. I think too many people simply sign-up with the first quote they receive and fail to conduct further research. I’m sure many people are missing out on the incredible savings afforded by switching auto coverage providers. We were able to plan for our summer vacation almost three months sooner than usual due to the savings.

Our oldest was recently accepted to an intern for next summer in Paris. We are excited but know that this too will cost a bit more than we’d prepared to spend. Thankfully, we have a few ideas on what we can do to save money to go towards this internship. I’m sure it will be a great experience and we look forward to hearing all about it. I showed my friends a great way to save money on their auto insurance, here it is: http://www.whohasthecheapestautoinsurance.com/. I use this site to compare auto insurance companies near me.

Student loans are too big! That’s why we need loans

I live in New Jersey. And in N,J, and probably quite a few other places too. The first encounter people have with taking out a loan, is a student loan.

Here, student loan debt is just something that everyone has. The government automatically give everyone a set amount of money depending on your family’s income. But you will always get a loan if you ask for one. And it’s a loan that a lot of people seem to think they don’t have to pay back.

Because everyone has it, it isn’t something that sets people apart in a bad way. And you have to earn a certain annual wage before you have to pay it back. Which hopefully you will, but it’s not as easy as you’d think to find a job straight out of university that pays high enough for you to have to make repayments.

And even if and when you do finally earn enough, the repayments just automatically get taken out of your wages at such a low amount you’d hardly notice. If you earn the minimum amount, you end up repaying like $25 a month.

Which, when most people owe around $30,000, is never going to repay the debt in full. So then what happens?

Well if you wait 25 years, it will just expire, and you won’t owe anything anymore. And up until recently, you could write it off just by moving abroad. Even now, it’s hard to keep track of the people that leave the country, so most of them won’t make repayments unless they return.

It’s nothing like you’d imagine being in debt to feel like. So if people’s first dealings with debt are so easy and hassle-free, is it any wonder we’re all running off to search ‘loans places near me’ when we run out of cash? At least New Jersey has very cheap car insurance no deposit, in the U.S.A, guess that’s one perk of living here..

Me Vs My Mother: Who Deserves Cheaper Car Insurance?

( Had to post this sorry!)

Right now, the wrong people (AKA people that aren’t me) are getting the best prices on car insurance. My mother for example.

She’s a terrible driver. I’m not great either. But at least I maintain some semblance of sanity behind the wheel. She, on the other hand, loses her god damn mind every time she gets into the driver’s seat. Yet who has the cheapest car insurance? She does. All because I drove ‘too fast’ past a few speed cameras.

I should definitely get cheaper car insurance than her! Let’s examine some of the evidence.

First, I have collided with another vehicle once in ten years. At night. And in bad weather conditions. Neither car was badly damaged. And no one was injured. I took responsibility for it and lived with the pricey consequences.

My mother, once crashed her car 3 times in as many months. In good weather, and broad daylight. She wrote off her vehicle two out of the three times.

The first time she drove out of a car park straight into a car driving past because she wasn’t looking. She blamed the other driver.

The second time, my friend and I were singing along to the radio in the back seat. We were eight. She drove into the back of someone at a red light. She told the other driver that it was my fault.

And by the third time, she refused to tell anyone what happened and just quietly replaced her car.

I can think of a million other examples of why she is more of a ‘high-risk’ customer for insurance companies. But I’ll just leave you with one.

She’s driving along. Realises she’s in the wrong lane. And instead of just switching lanes calmly, almost as if the end of the world isn’t nigh. She FREAKS OUT as though one lane goes to her destination. The other, straight to the depths of hell! Every. Time.

In the end we both got quotes at: http://www.autoinsurancemonkey.com/how-to-get-cheap-full-coverage-auto-insurance/

and I was able to get a better deal than my mom 🙂