I Made a Decision That is Going to Save Us a Lot of Money!!!
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- Опубликовано: 22 май 2024
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Развлечения
Let your insurance company know don't drive many miles. That could get you a premium reduction.
Yes- we pay one rate for the truck that never gets taken to work or past a certain amount of miles- it’s an old work truck- nobody needs full coverage for it. I was so glad to learn this savings a while back.
Great idea, thanks!
I believe having only 1 car , if possible , is the best way to go. Because, today the prices to maintain it are sky high. 🚗
4 working adults in our home and 3 cars. We share. 😊
Very true. My hubby is in the automotive business and even with his knowledge and discounts it’s still very expensive. Years ago, the guys did a lot of trading, so I’d always get new tires for free. Not anymore.
With these changes you might be eligible for low mileage discounts from your car insurance too.
I put about 3500 miles a year on my car. At 59 years old, it may very well outlast me. The key is changing the oil regularly, swapping your antifreeze every so often, and driving like an adult.
My late husband and I shared 1 vehicle our entire marriage raising 4 kids. It was never a problem.
You are always so upbeat and such a day-brightener! Thank you for being a light in my life and in others. It is always needed!
You are so welcome
I was thinking the same thing: Money Mom is so upbeat! She always makes me smile.
Good call. My car broke in Covid so I didn’t bother replacing it for 18 months. I just got used to walking 25 mins to my nearest shops. Eventually I had to get another car to be able to pick up my grandson from school about 6 miles from me but bought a small cheap runaround. Apart from the school run I hardly use it.
Excellent! I am sure that you're not only saving lots of money but you're much healthier as well.
My husband is driving a 19 year old Ford Focus he inherited 10 years ago. Guess we can’t complain when it finally gives out.
Fantastic
Hopefully....never, lol.
I've owned my 1990 pickup for about 16 years. I paid $800 for it and it either has 150k or 250k miles on it. I'm not sure, lol. I don't drive more than 1200 miles per year. 🌞 Sacramento, California USA 🇺🇸
Dawn, check with your insurance company to see if they offer a low mileage discount. Most do if you travel less than 5,000 miles a year.
I got my license at 30 after I was terrified of driving and getting into an accident. It took a very toxic work environment to push me to get it and it felt very empowering. That said, I think I'm ready to give it up at 40 and go back to public transport. I agree with everything in the video. Too much money and stress.
Don't think public transportation will reduce your stress....
We’ve gotten 300,000 miles on ALL the cars we have owned. And we have always bought new.
Our youngest car is a 2017 Honda. Gets great mileage. We bought it used in 2021 and it had 7,000 miles on it. But now it has 87,000 miles on it. We take it everywhere ! 44 mpg on the highway.
Make sure you get it out on the highways to “run it” around 60 mph. Got to “exercise” your car. 😂
I drive a 10 year old car with no plans of replacing it. We live in the country and I have to drive 30 miles round trip to go to the grocery store. I work from home most of the time I dive maybe 200 miles a month for business. My husband also has a pickup which he uses for work he works part-time but he needs to haul things . We just shopped around for the best buy on insurance. My husband does most of our vehicles maintenance and we haven't had a lot of serious problems. The biggest expense has been tires.
You & your family inspire me so much because you work TOGETHER as a team so well. My car is 16 yrs old, and by God's grace, I plan to Keep it another 5 yrs+ with great maintenance. It only has 66,000 mi and I heard of cars running great with 200-300,00 mi. God bless you and keep you is my prayer!!! I LOVE YOUR VIDEOS!
My aunt ,in my 45 years of life,has only owned four cars.
A 1979ford pinto,
A1980 Buick Skyhawk
A 1990 toyota tundra
And now,a 2006 Hyundai Elantra
A couple important things: it’s hard on a vehicle to sit too long. Gaskets, as an example, become brittle and leak. Also, it’s important for the engine to reach optimal operating temp. I drive A LOT. I bought my car with 4 miles on it in November and today it has 21k miles 😂
Seems like there is a happy medium between the two stories.....LOL.
I have a car and I'm a very good driver (no tickets, no accidents that were my fault), but the stress of driving and heavy traffic has gotten to me. There are so many aggressive drivers! I pull over and let them go by. I go the speed limit or a bit above, but it's not fast enough! One year, I was hit 5 times from behind, just sitting at red lights! They were all distracted drivers (texting, looking back at their kids, etc). After that, I hang back behind the car in front of me a bit, and when the car behind me is coming hot on my bumper, I pull forward. Ugh! 😵💫
I let my husband drive if he's in the car! Plus, now that I'm retired, I avoid rush hour traffic... that's helped!
I totally understand
I take the bus when I can or walk. My kids HATE it, but I LOVE it. Saves gas, money, and you get the benefit of exercise and fresh air. It does take longer to do things and you are relying on a bus and are at its mercy of being on time SOMETIMES, but overall, it saves a lot of money.
We both drive older vehicles and plan on keeping and driving them for many years. When traveling on vacation, we rent a vehicle and put the miles on the rental vehicle, not our personal vehicle. The rental vehicles typically get great mileage and have newer technology, too. That's one way we save money with vehicles.
I don’t drive much but I live in a medium sized city so it’s not too long to get around thankfully. I try to do errands when I’m already out instead of going to just one place but i drive a small suv which is good on gas which helps. Glad you are finding what works for you Dawn. 💕
I just sold my car .I will say this, you would not believe on how much money you save. I will say this the public transportation is not the greatest way of getting around. BUT Ican walk to Kroger and the bank plus others places. I understand what you are doing. I really like what you are doing on utube thank you, God bless you all
Minneapolis has been cutting the bus routes and cutting the stops so in the minus. 40° weather taking a bus on a regular basis to go to work is challenging.
I drive an 08 Toyota Yaris and my daughter a polo 2009..thx to a great Romanian garage we maintain them fairly cheaply as public transport is bad in ireland..well dtive till they give ip
One more thing to add, this is something I've done my self and plan on talking about on my channel... Have you after making this decision call your car insurance company and asked for a low mileage discount. I if you are not driving much that's another way to save money and while your at it ask them if you qualify for any other discounts too things change over time and you might not be aware of what is offered. If you are a safe driver allot of companies are offering to but a beacon or Bluetooth module in your care that will give you a discount based on on how you drive not how everyone else does. They can mail it to you so its not something you have to go out of your way to get, SO yea that's it one phone call might save you a ton of money over the years. What does everyone in the comments think of my suggestion, Let me know in the reply's and please like my comment.
My car has a safe driver tracker on it and it helps with our car insurance. Two cars, no collision insurance and low daily mileage made our insurance bill $1050 this year. We took the collision off because we can afford to get another car and my car is 13 yrs old so not worth much anyway.
I always keep my cars for 15 years.
Great share, Dawn. Joel and I have been making it with one car for years. We live about 5 miles from Joel’s restaurant and public transportation is almost nonexistent and he also often has to run errands for the restaurant that takes him into other areas of the city. So it’s necessary to have at least one car for us. But we’ve been able to keep our 16 year old car going for the 11 years we’ve owned it. 👍
How smart
My car's last oil change was June 1 2023. I still have 2000 miles left on it but have to get it changed this week for warrenty. You have made the right decision on staying closer to home. After all the headaches to go farther it is not worth it. Do call your insurance for a better rate.😊
We drive more because everything is far from us.
We had an old Honda Accord that went to 345,000 miles on one engine. Made sure to do the timing belt at 150,000. Only reason we got rid of it was it started to rattle like it had had enough structural use! 🤣
That is amazing
We don't usually do a lot of driving. However, this year, we made 3 trips to a city 550 miles from us. We've also made 3 trips, so far, to a city 450 miles from us. That's quite a bit of traveling for us. We do visit our son, who lives 60 miles from us, at least once a month. But, that's the farthest we travel during normal times. I think most of us tend to shop near where we live as a matter of convenience and don't put a lot of miles on our cars. It's easy to put miles on your car where you live because everything is so spread out. I don't know how you figure travel time with your traffic. It's crazy. Love to all, Linda 💕
Hello Dawn my Honda truck is a 2007 that I purchased in 2009. It has a little over 154,000 miles on it. I hope I can get another 100,000+ miles on it.
When I bill for my gardening business per hour, I charge a full hour for the first hour. This helps with fuel for my trip getting there and back. Most of my round trip miles are nearly 30 miles. The area that I have all my work is a pleasant drive there and back. I gave up going in areas with high traffic, stressful driving and over 30 miles round trip.
I have a 2012 Honda crv. 171 thousand miles. It is the best. I maintain it regularly. I’m hoping for maybe 3 more years on the old girl!!
Smart
Yes generally everything is nearby but church and work for me are further away. I don’t mind driving to church but I absolutely hate my commute to work even though it’s hybrid, doesn’t feel worth it 😞
Lots of time the taxes on a vehicle go down the older it gets too. So having a well maintained, reliable older vehicle is a plus at times.
Not only that but the newer ones are very difficult to drive. I had to use a new Jeep as a loaner when mine was being repaired. NO key! You have to push a special button to keep it from turning off at stop signs. It felt like I was working in an Excel worksheet, not driving! Ugh.
My husband and I are very lucky to live only 5 mins from work. We shop also very close to home. 😊
That is awesome!
Wise decision! Yes it will save you money. My advice is every 1 to 2 weeks make sure you're getting up to about 55 miles an hour on one of your drives. That way the alternator can charge your battery. Otherwise you'll find that your battery dies and won't have as long a lifespan.
We live in the country, and need to drive to "town" for everything. Thankfully I work from home so I save $ in gas
Have always lived rurally so very dependent on 2 vehicles This year I lost my drivers license due to illness and it was a huge adjustment. I'm okay wjth it now but I do wonder about people who look at their vehicle as a back up residence. So many young people and now seniors are living in their vehicles. My heart hurts for them
I see a lot of people who are buying a $5000 cargo Van or an E150. Just in case they have to move their stuff into the vehicle and coach surf.
I watch a couple of different "Doordash/Uber Eats" video channels and I do not underestimate the risk factor that these workers put themselves through. The traffic at all hours can be horrendous, and they are not making that great amount of money. One I watch makes around $20-$21 an hour after all the deductions. I used to do home health and would drive to 2-3 destinations, sometimes miles apart. But I live in a busy tourist area, so getting to someone's home 10 miles away can take an hour. Lots of stoplights, lots of traffic. I feel so bad for those who are out there "pounding the pavement" trying to keep a roof over their head and food on the table, with no savings to speak of, and a lot of life stressors. So staying close to home is a great way to save money, save your car, reduce stress and grab time back that you spend traveling all over the place. I cannot believe so people's commutes to work. I'd live in a hole in the ground before I drove the insane miles people do. I don't care what they pay. The salary gets killed with taxes, gas, clothes, car repairs, lunch out, and other related expenses. Good for you to keep it closer to home.
I totally understand
My drive to work is about an hour each way. My husband and I have decided its not worth it anymore so I am retiring early this year. I'm gone from home 11 hours a day Mon-Thurs and have finally realized life is to short for the the stess of driving in all kinds of weather and putting up with "karen" patients along with all that you mentiond. I'll find somenthing a few days a week close to home and enjoy some freedom!
I wish you the very best
I have 100,000 miles on my truck that I bought new in 2009. It has cost me very little to own but I do change the oil a couple times a year. I will keep it another year and will pass it to my son. It should have another 3-5 yrs of life. I only plan on purchasing "Used" in the future because of initial cost and depreciation.👍
How wonderful
I gave up on driving and switched to an e-bike. Except for the coldest days of winter (rare where I live) when I cave to temptation and take an Uber, it's the perfect solution for me. I don't need a car to visit the supermarket, post office, public library, gym, doctor's clinic, drugstore, church and farmer's market (all of which are less than 2 miles from my house). My 3-wheel e-bike does everything I need for one-quarter the cost of a car.
How wonderful
Since I’ve moved back to the metroplex area I drive very short distances, too. I’m retired & sometimes drive to Saginaw to see my grandson if my daughter has to work. My husband bought us a newer car 11 months before he passed away & it drove great driving from KY back to TX. I haven’t been anywhere in several days so I don’t drive much. I use home delivery from Sam’s , Walmart & pharmacy. Good advice, Dawn. ❤
Hi neighbor
@@CentsibleLivingWithMoneyMom 🤗 👋
Owning 1 car with low mileage used is a great saver. Do your online research on the toll that short trips only can take on the car. Consider a bit longer drive every so many days to keep your car in its best health. Under the Median just did a great video on MPG; I found tire inflation to be important to check when I reduced mileage on my car.
I agree completely! I think this is a great plan. Love you, Dawn! 🥰🤩❤️
Do most my shopping/errands one day a week, and garage sales another day a week. On those two days, plan the most efficient routes and avoid traffic. Only do about 3-4 longer trips a year. Drive a low mileage 22 year old wagon bought used with cash and regularly maintain it. Have only liability insurance. Average
Fantastic
Spot on, so many people do not take into consideration our time/gas/safety etc. For me to drive to Target is 25 minutes each way, along with a $2.25 toll each way from the NJ TPKE, so t's costing me $5 besides gas to get there, instead I order on line, free shipping with $35, I do the same with Macys & JCP, besides the tolls for me to park there would be between $5 and $10, crazy right? joy of living in NJ. As far as traveling for work, unless we're making six figures, they don't pay for our commute and the stress of driving! great content Dawn.
Our truck is 10 years old with 37,000 miles on it. We're not sure how we'd replace it even with a cheap car in the future... we've always taken good care of it. Our last truck we had for almost 20 years. The traffic here in our small city in Texas is insane as our population swells. We go out early and avoid weekend driving except early early mornings. We actually started talking about strategies for if we stop driving in the future. We're completely retired. There is one HEB within walking distance. Doctors are about 7 minute drive. Family are within 10 minute drive but we've always been the drivers in fact we drive for my husbands sister ... her doctor appointments. She has 2 vehicles.
I don't want to be negative or fearful but it's rather frightening ... the cost of everything even with adequate income and no debt it's a struggle.
We have 3 older cars,17,14,13 years old. We will keep them as we have different activites and part time jobs miles apart. We have loaned our adult children one when theirs were in the shop. We maintain them. They are in our budget. The 2 older ones were new and the other we bought from our neighbor when she developed Alzheimer's. We probably drive less than 10,000 total miles a year. Every ones need are different. Thanks Dawn for your videos.❤
Sounds smart
I'm 74 i had a really nice car 2017 Honda civic turbo with leather seats skylight ac and heated seats with low mileage. We purchased in cash in 2019 my husband wanted it because of really low mileage, my husband passed away almost 2 years ago. The car was very convenient but i got into a minor fender bender i was backing up and sides wiped a car next to me, i was going 5 miles an hour, i got a 3inch scrape on front bumper the other car claimed $3,700.damage and it was my fault. I was so upset with myself i lost my confidence. I sold my car got &17000.for it,i bought a scooter yesterday for $3,000. Im close to Walmart and two grocery stores and pharmacy, i don't want to endanger anyone, found out i need hearing aids got total checkup. Drove for 54 years a free taxi for my son and grandchildren, almost 75 so enough, im ahead $7000.a year not counting any repairs. Feeling relieved already
I wish you the very best
We are going to buy a electric hiboy scooter. 2 of us in the house are young enough to use a scooter . They can go 18 to 50 miles on a charge depending the one tou get. No insurance, gas, or drivers licence needed. We plan on getting the one with a basket and seat cost around $500
I totally agree with you. Great decision.
People who know me know i am a bulldog when it comes to people working hard and paying their own way....BUT....with fuel prices, insurance prices, parking prices, extended childcare costs due to additional driving time, etc. I totally understand young people wanting ( needing) to work from home. It used to be cost effective to drive to and from places of employment. Now, in many instances, it just is not cost-effective. We all need to earn money when we work. When transporting yourself to and from a work location is basically subsidizing your employer, time for a change.
I never used to feel this way at ALL.Times are tough right now.
Better days are coming!
Thank you
We have an SUV that needs about $6,000 worth of work. The engine is great however. But we don’t know if we want to fix it or sell it but meanwhile, I dropped the ins on it. That is saving me $50 a month.
Good idea
I keep my cars for a long time. Right now I’m driving a 2014 Honda Piolet served me well. I do the necessary maintenance to keep it running top-notch.
Fantastic
Our car (we got rid of the other one a few years ago) is a 2003, and we didn't buy it new either. Just had to replace the transmission in it a few months ago, but it's still going strong after that, so we'll keep it as long as we possibly can.
You are like a Woodbury neighbor through your videos..Thank you
So nice of you I am Minnesota Nice
Your insurance company should know about your driving less miles, because your rate may go down because of that. I know mine did. It went down about $50 a month.
Some insurance companies can give you something you plug into your car to capture the mileage, so there’s proof of lesser mileage.
I am calling them
Have had one car for over 17 yrs….
My hubby and I have been sharing a car the last couple of years. It took some adjustment on my part, but I’m used to it now. When I want or need the car I just drop him off at work, then pick him up. A few times his boss has dropped him off after work. Enjoying your videos! 🚗🏎️🚙
Love that!
I live in New York City I never drove I do not have a license mass transit is a wonderful thing.... If and when I'm hoping to move out of New York City then yes I will get a car
I would love to visit
Check with your insurance company, Dawn. You may get a lower rate for the lower miles per month you are driving. Have a Blessed day.
If I have a month with an unexpected expense I can keep my driving down to one gallon of gas per month. it takes planning.
Yes you do
My husband is 73 and he has had his Chevy truck for 20 years with 300k miles on it. Keeps running when you touch the key.
Wow, fantastic
Dawn ask your car insurance company if there is a discount on your policy for driving less.i got one
Great idea
We save $ because I couldn't pass the written drivers test. So we save $5 a month not paying for my insurance. I am happy with that. He drives, I have no interest in doing that except 2-3 Sunday mornings where I drove for 5 min and take the backroads to church. No cars on the road that early. but there are hardly any cars, ever, on that road anyhow
Makes sense
What is your plan if he dies?
@@Joce123 I guess I am stuck driving to church on Sundays. There is a Mom and Pop Health Food store just 5 min longer so I can at least, have food. It would be almost impossible to see a Cop, they. just don't go down that way. However, if I need to go to the Doctor, I will certainly need to take an Uber. That's way into town about 30 min round trip.
You drive “for five minutes” to go to church? Even though you didn’t pass a test? So - you can’t walk that far?
@@frugalitystartsathome4889 This is during a blizzard which we have for abot 4 months a year.. We normally E-Bike or Mtn Bike most everywhere, weather permitting
We had a 95TBird with 267000 miles. We dumped it as is needed an engine and it wasn't worth spending that much since the value of the buggy was very low. The other vehicle is a 98 Explorer Sport 186000 miles, runs great, we always maintained our cars. I have Dr appointments 2x per year, round trip 50 miles, everything else is within a mile or 2. We figure our buggy will last for a while. Or other car has collector car insurance so we don't drive it often as mileage is limited and in the event its totaled (hope not), I get more back than other insurance would give me for a total loss.
We live out in the country nw of Ft. Worth. Nothing is close but our nearest small town, which has a grocery store and a couple of dollar stores. That's about it. We buy the big box items a couple of times a month. As we get older, we'll probably have to get more things closer by, but it's going to add significantly to our budget. We don't drive nearly as much as we used to. Before my husband retired, he was driving 100 miles a day to his job in the Dallas area, so we were putting a lot of miles on our car. There are drawbacks to living out in the country, but I hope I never have to go back to living in town again. There's 0 traffic out here, and I love that.
Hi neighbor
Having no car living close to amenities
Can you touch on your thoughts on investing in gold/silver?
Yes, we have silver
A great video Dawn. I was wondering do your insurance companies give you discounts for over 50's?
No, this one doesn't
Insurance companies will give you insurance by the mile many times
Thank you
Also Dawn you are not getting paid for the travel time and commute back and forth from your job. Not to mention the driving aggravation and cost of gas, meals... What does your husband do in the meantime, Waite for your shift to finish?. Not great for him.
I work close to the house.
We have to cars we both work
Groovy
We drive so much less since 2020. My co-workers and I have worked from home since March 2020, our gym is less than a mile away, and our church is about 2 miles away. Grocery shopping is the only reason for us to drive further away. The last time I took my car in for scheduled maintenance, the mechanic was like “Seriously? You put 600 miles on your car since your last oil change.”