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Looking for My Used Car
Buying a new car wasn’t even an option. It’s not that I couldn’t afford it. I had the money. I just didn’t want to spend it that way. I mean, I was socking away a good amount every month into my savings and I wanted to try to keep doing that. So, I could have bought a new car. I just really wanted to go another way so I explored used cars Toronto.
I never bought a used car before but I wasn’t worried about the fact that it was used. I was worried that I wouldn’t be able to find one that I liked. Then, I looked for Toronto used cars online and realized I was going to have to opposite problem. I found too many! I used this website to look: https://www.carcanuck.ca/
My initial criteria was pretty lax. Less than 50,000 miles, no more than 5 years old. I felt like any older than that or a lot more mileage would lead to problems sooner. Having to shell out a bunch of money for repairs in a year or so seems counterproductive. Anyway, it wasn’t a problem. There were more than a dozen just in the city that met those requirements.
So, I had to narrow it down a little more. I was surprised that I actually got to pick the model that I wanted. And get this, because it was a popular car that had a good resale value, everyone was selling them right after they were paid off which meant there were a lot in inventory. And that meant that I even got to think about what color I wanted.
Another good thing is that, because there were so many out there, the prices were really reasonable. What do that call that? A buyer’s market? Anyway, I got a great deal on a car that I really wanted. I don’t mean that I bought it because it was inexpensive and had low mileage. I mean that I actually wanted it. I loved it the second I saw it. Blue paint. Grey interior. Spoiler. It was awesome.
It all seemed a little overwhelming but it didn’t take long for me to get over my anxiety and just enjoy the whole process. I ended up getting a really reasonable loan with an affordable monthly payment. I got a super cool car and could still afford to put money into my savings. Definitely a win-win for me.
Next thing I did was start looking for some cheap car insurance. With cheap as my number one priority I started looking for some cheap car insurance with no deposit (I’ve talked about this before). Just like before I managed to find a great deal on no deposit car insurance here: http://www.verycheapcarinsurancenodeposit.com/
If you’re looking for ways to save money, you should be asking yourself this question: who has the cheapest auto insurance. Let me tell you, I saved myself a lot of money when I started looking into different policies and different businesses.
Here’s what happened to me. I had had the same policy with the same company since I was a teenager when I bought my first car. Every year, my premium would drop a little bit. I assumed it was because both me and my car aged a little bit. I guess I thought the idea was that as I got older, I got a bit more responsible and became a better driver. Oh, and as my car aged, it was worth less and less every year so I paid less to insure it. It made sense to me but I never bothered to look into it. In fact, I don’t even know if that’s even what really happened. I just assumed that was how it worked and, looking back, it’s entirely possible that I made that whole system up. I just didn’t know! So, I kept right on paying what they billed me. I probably should have known better.
Finding who has the cheapest auto insurance
When I finally got a new car and called my insurance agent to update my policy, I was blown away by how much my premium increased. And I started thinking about how long it had been since I even considered a different company. Who has the cheapest auto insurance? That was a question that I never really even asked myself before, believe it or not.
I got in touch with some other agencies and was absolutely floored by the difference between what they were offering and what I was currently paying. Honestly, it was a big difference. I changed to a new company as quickly as I could and saved myself a lot of money. Turns out, your insurance company doesn’t just give you a discount because they like you. You actually have to look into getting a better price yourself. Which is probably something I should have already known. I found myself a very nice plan; very cheap car insurance no deposit. Which I found here: http://www.cheapcarinsurancenodeposit.com/
Now, when anyone talks about needing to save money or cutting back on their budget, checking their car insurance is always the first thing I suggest. I mean, it definitely worked for me. I figure that it might work for other people, too.
China is usually a pretty cheap country to travel through. Not the cheapest. But definitely affordable.
However, if you’re thinking of coming to China, beware the public holiday. Not only did I almost have to run out to one of the loan companies near me in order to afford my two day trip on Chinese New Year ( How I found a local loan company lol: http://www.financeflamingo.com/payday-loans-near-me/.) But I also had to spend the weekend getting up more close and personal with complete strangers than I have with some of the people I’ve dated in the past.
Here’s the thing about Chinese New Year. Everyone in China gets it off work. Obviously. But there are over a billion people in China. And they all have the exact same 10 days a year off. 5 of which fall on Chinese New Year. No more, just those 10. All billion people.
So because it’s one of only two opportunities Chinese people have to go anywhere other than home or to work. They go to the same tourist spots that I, as a visitor to the country wanted to go to. All of them.
That means that suddenly there were no good hotel rooms, no good train or flight tickets, and everything that was left cost the same as my entire life savings.
So that’s how I came to spend all of my money on the worst weekend ever.
As someone who doesn’t like crowds, or being the centre of attention. The most famous mountain in China, on a public holiday, was probably the worst place I could have gone.
Not only did I spend the entire weekend posing for photos with strangers whilst looking like a real life scarecrow.
But I also spent the entire second day ‘queueing’ in the rain. I use the term loosely because having the entire population of China try to push you off of a very steep precipice while all of you painfully slowly force your way to the foot of a mountain isn’t what I would call ‘proper queueing etiquette’.
But then, maybe I just have unrealistic queueing standards. Like not having my life put in actual danger.
This is a guest post by my lovely wife. She lived in china for 2 years. Rather than talking about pollution, she’s going to talk about something more fun. Nail salons!
Being relatively new to nail salons in general, and brand new to nail salons in the western world. I was surprised to learn that there are rules.
When I was living in China, the nail salon that got my business was the nail salon near me. I knew nothing of these regulations. It was a more innocent time. One not filled with nightmares of fungal infections, or worse.
Now that I’m home again, I’m on the lookout for a ‘go-to’ nail salon. And by all accounts, there are a few things I need to pay attention to. So these 5 of the things I will be checking in a salon before I part with my hard earned cash.
- The price
Bargain hunting is an activity best suited to clothes shopping. When it comes to a manicure, you get what you pay for. And I don’t want ‘what I pay for’ to be unsanitary equipment and exposure to bacteria. Also, with so much attention drawn to the exploitation of some salon staff in the media. I naively expect a higher price-tag to mean higher wages.
- The smell
It goes without saying that I don’t want to spend an hour of my day in a place that smells awful. If it smells dirty. Bad sign. Equally, if there’s an overpowering scent of chemicals, I won’t be sticking around for long enough to inhale them all.
Yep, nail technicians need licenses to practice. So if a salon has 10 technicians, but only 1 licence on display you can bet I won’t be giving them my business.
- Masks and gloves.
Technicians should be wearing both. In China, people wore masks all of the time. The nail salon was just about the only place they weren’t in use. So now I’m watching out for them. The masks, show good practice since them chemical might harm technicians. The gloves protect us both from transferring bacteria.
- An autoclave
This machine, used to sterilise equipment will save me from all of the terrifying potential infections I never knew I could pick up from the salon tools.
Here’s hoping I can find a salon that fits all of my new requirements before I break a nail. Now that I’m back home again, I have to find another nail salon near me. The fun starts all over again 🙁
At least the hair salons near me look pretty good 😛
Hey Guy’s, this is somewhat related to orkney but not 100%. Unfortunately I’m moving from the U.K to New Jersey!
I had an amazing job opportunity present itself. Unfortunately for me I’ll be leaving beautiful Scotland for suburbia in N.J.
While N.J may not be amazing, America is pretty great. So many nationals parks to see, with so many variants in weather. I’m going to do a big road trip, I’m 100% sure of that!
When and where, I have no clue.
Anyway, as I begin to prepare for my trip. I decided to start shopping around for auto insurance; lucky for me my health insurance is covered by my company. Too bad auto insurance isn’t! It’s crazy expensive. $450+ a month for me… Keep in mind that I’m a married man, with zero accidents, who plans to drive a modest new car.
It’s crazy. Maybe because I’m an expat? I hope this isn’t normal. Maybe when I head over to the U.S i’ll find a better deal. Right now I’m in no rush to look. Far too disappointing.
The site I used to compare car insurance: autoinsurancemonkey.com is pretty good. They had some good insight into the U.S insurance industry but I couldn’t find a reason as to why I would have to pay so much for auto insurance. Here’s a helpful article for American readers: ” Who has the cheapest auto insurance”
Well we know the answer for me… No one!
Also apparently insurance in the U.S isn’t “Full coverage”, you have to pay extra for that. Live in the U.K and don’t know what full coverage car insurance is? Click the link on the left and be enlightened my friend.
That enough of a rant for today. Hope you enjoyed 🙂