For the first step of this life journey I'm on, I called a different insurance company that is recommended by the local teacher's association. Although they charge more on my second car (my big, old truck that I only drive a couple of times a month) than I currently pay, overall their cost was less annually for both vehicles.

Using the additional 10% off for combining both my home owner's and the auto insurance, I can save about $335 a year. Also, the amount of coverage for both insurances goes up. Not bad, pay less and get increased coverage.

I do need to check with my current insurance company to find out what my deductibles are. The deductibles that the new insurances are based on are $1000 on both cars and home. I have a feeling that my current deductibles for both is only $500 each. We'll see.

I'll give my insurance a chance to match this new coverage. If they can't, I'll be moving over to the "teacher's" insurance as soon as possible.

My next step along this journey is to change my cell phone plan. I'll call T-Mobile and see if I can move over to a pre-paid plan. Currently, I'm on the $19.95 a month plan plus taxes, that gives 60 anytime minutes and 500 minutes on the weekends. I rarely use the phone and think spending the $100 for 1000 anytime minutes would be a better deal considering my usage.

If anyone knows of a better plan, let me know.