I really like Jeffrey's daily challenges. The most recent one was to check into increasing auto insurance deductibles, which was on my list of stuff to do in 2006 anyway. With the prodding of the daily challenge, I went ahead and called.

To change both cars from $500-$1000 would save me $212/year. However, the rep told me to check with the lenders, because they may require no higher than $500 deductibles. One did and one didn't (yes, I have two car loans ), so I went ahead and made the change on the one, for an annual savings of $150/year. When I pay off the other, I'll change it as well. My plan is to set aside $500 (difference between current deductible and $1000) so it will be there in case we ever get in an accident.

I also called BOA regarding the 0% credit card they offered. After getting through the entire application, the rep informed me that you can't do a balance transfer from another BOA credit card. I asked her if the same held true from a BOA home equity loc, and she said she wasn't sure. So I cancelled the application, and will go to a branch and find out from someone there, face to face. If not, I have a 0% offer from Chase. The plus side is that the Chase offer is for 15 months, BOA is for 12. The downside is that there's no balance transfer fee from BOA, whereas Chase's is $75. Either way, it's still better than paying the interest to the HELOC each month. (And with the offer from BOA in hand, maybe I can get Chase to reduce or eliminate the fee).

Other financial news: While I was paying off my fine at the library yesterday, I noticed they had a few more books for sale. I only had time to write down a few, but found two that ebook will by for $2.54 ea. (Cost to me $.50 each). So I'll stop by there today on the way to pick up DS from school, and I'll write down the rest while I'm at it. I also should be able to go to the used bookstore by work tomorrow.

That's it for now...