The Chronic Consumer

One of the biggest drains on my family’s budget is insurance premiums. We carry all kinds of insurance, including life, medical, auto, home, and more. We have a few pieces of jewelry insured, and we sometimes spring for travel insurance when we go overseas. All of these monthly payments serve to reduce the amount of money I can spend on shopping, so I’m always looking for ways to save.

Thanks to the Internet, it’s easier than ever to compare rates and switch policies when I find a better deal. For example, if I know our life insurance policies are coming up for renewal, I first call our current carrier to see how much they will charge for continued coverage. Then, I go online and search for life insurance quotes from other companies to see how those rates stack up.

If my current rate is the best, then obviously I’m better off staying where I’m at. If I find a better quote, I don’t hesitate to make a change.

I’ve saved lots of money this way, so I’m sure you can too!

Buying perfume is such a personal choice that I don’t expect anyone to take advice from a website. Nevertheless, I want to write about Lauren by Ralph Lauren because it has been my favorite fragrance ever since I was in high school — which is more than 15 years now. In all that time, I haven’t tired of this scent. And even though I’ve tried other fragrances over the years, Lauren is the one I always come back to. I absolutely love it!

There’s no way I can adequately describe this scent, so I’ll try to recount what others have said about it. I guess there’s a combination of rose and carnation in there, and something else, such as “sandalwood” or perhaps “amber.” Again, I’m not really sure, as I’m not very good at coming up with descriptions. But suffice it to say, this perfume is light and sweet — not overpowering in any way. It’s a very feminine scent, and is perfect for me.

I have a hard time finding Lauren in local stores these days, so I just order it online from websites that have huge inventories of every perfume you can think of. I can get a 4oz. eau de toilette spray bottle for about $60, and that lasts me for more than a year.I couldn’t ask for a better deal than that!