Personal Finance 
5
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How to get cops to pay attention to your property crime

How to get cops to pay attention to your property crimeIn 2006 my house was robbed in broad daylight by unknown individuals. They took my Xbox 360, my laptop and some of my wife’s jewelry, in addition to some other less valuable stuff.

I was dumb enough not to be carrying renters insurance, so I was out over $1,000 by the time all was said and done.
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 Personal Finance 
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Comments of the week, renters insurance is cool edition

We had a lot of great comments on a bunch of different posts. One of my favorite types of comments are readers sharing their own experiences, and we got plenty of those on posts about renters insurance, bedbugs and financial pitfalls for veterans.

Here’s one from reader Huskervball testifying to the importance of renters insurance:

We had a killer tornado. Many apartment buildings were demolished. The importance of renters insurance was overwhelmingly clear.


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 Insurance 
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comments

Is renters insurance worth it?

Is renters insurance worth it?Lots of insurance is mandatory these days: Homeowners insurance is required for anyone who doesn’t own their home free and clear, drivers in most states have to have some form of car insurance and pretty soon we’ll all have to carry some kind of health insurance or pay a fine because of the Affordable Care Act.

But renters are still free to skip renters insurance and the monthly premiums that go with it — and most do. According to a recent poll, only 34 percent of renters in the United States carry insurance.

But if so many choose to go without, is renters insurance worth it?


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 Personal Finance 
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Cellphone insurance: Is it worth it?

Is cellphone insurance worth it?When you buy a new cell phone, most companies take the opportunity to offer you insurance that’s supposed to protect you in case it breaks. But does it really help?

A couple of Christmases ago, I splurged and bought my boyfriend a smartphone. Because it seemed like a good idea at the time, I also paid for an insurance plan at about $10 a month.

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 Personal Finance 
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Data shows spending on basics up

Transportation costs increased
This month the Bureau of Labor Statistics released its annual survey of how American households spend their money last year.
The results seem to validate feelings among Americans that it’s getting harder for the average family to make it on their current income. Spending on necessities like transportation and food are up substantially, while spending on more elective items, like apparel and entertainment, are falling or basically flat.

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 Personal Finance 
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Your take: Fit all finance advice on a 3×5 card

What personal finance advice do you consider essential?
This week a fascinating exercise by University of Chicago professor and Incidental Economist writer Harold Pollack made the rounds in the blogosphere.

Asked by a reader “What is this simple free best personal finance advice that fits on a 3×5 card?” Pollack filled out an index card with what he thinks is all the knowledge you need to manage your personal finances.


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 Insurance 
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When To Be Frugal

I am not an extremely frugal person, but I am not a spendthrift either. I love squirreling away my money just as much as I love my home, health, and hobbies. In short, my husband and I save more than a third of our income on a regular basis, but we do not cheap out on certain things. Specifically, I will spend whatever is necessary to live healthily and sleep well. Frugality has its place in the world of personal finance, but there are some things that you just cannot afford to be cheap about and things you can.

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 Personal Finance 
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Sick Happens: How to Prepare for an Illness or Injury

Yellow AmbulanceThis latest guest post is part of our Financial Contingency Plan series and is written by none other than Donna Freedman, so please give her a kind Bargaineering welcome!

How many sick days do you have? Five? Assuming you have any at all.

Maybe you’ll never need them. But one good case of the flu in January and you’re out of luck for the rest of the year. So that strep throat you catch in April means chipping away at vacation time – assuming you have any.

Time to start thinking about how you’d handle a major ailment. Or even a minor one.

Shout-out to all you part-time workers, or to anyone else living close to the bone: How much would it take to topple your budgetary house of cards? If you missed a week’s salary, would you be able to pay your rent?

Think about these things now, before you have to – not from a gurney in the ER.

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