How do YOU budget?

[Gigi]

i asked, when i was looking around at insurance, the difference between paying annually, or monthly. I was expecting to hear it was cheaper to pay annually, but actually, it was the same, whichever way i did it. Obviously that's only ONE insurance company, but just saying, it's possible.

[emc2]

I don't own very much so my plan is to have some savings, rather than contents insurance.

My father gets quotes every year and then goes back and bargains with their insurance company to get the premium down.