pantsonfire
Drama Llama
Take a step back, evaluate what is important, and enjoy your life with those who you love.
Posts: 6,310 
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Post by pantsonfire on Apr 20, 2024 17:13:29 GMT
Well, I live in Florida 18 miles from the coast, newer house. My yearly homeowners insurance bill went from $2,800.00 in 2018 to the $10,000.00 in 2024. I have a mortgage so it is mandatory. This is a major issue in Florida and many are leaving due to this expense and the overall impact on housing costs. I am a lifelong Florida resident and this is my home, but I am seriously considering leaving due to this and the other dreadful nonsense in Florida. Ca insurance companies are dropping people or completely pulling out from the state. It is way out of hand. We are punished for the fault of the government not maintaining land, forests, etc. |
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Post by crazy4scraps on Apr 20, 2024 17:43:14 GMT
well. most of you can be glad you didn't pay $5.39 for gas at the cheap station today.. surprised how fast it is going up.. most stations are $5.79. Wow! 😳 I paid $3.03 a gallon for unleaded at Costco on Thursday. |
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Post by crazy4scraps on Apr 20, 2024 17:58:26 GMT
Well, I live in Florida 18 miles from the coast, newer house. My yearly homeowners insurance bill went from $2,800.00 in 2018 to the $10,000.00 in 2024. I have a mortgage so it is mandatory. This is a major issue in Florida and many are leaving due to this expense and the overall impact on housing costs. I am a lifelong Florida resident and this is my home, but I am seriously considering leaving due to this and the other dreadful nonsense in Florida. The son of a friend of ours inherited his dad’s house on the lake where our cabin is, and all of the properties in the area were assessed last year. Our taxes went up (as expected) and I assume his did too. He freaked out and his knee jerk reaction was to put the house up for sale with the thought that he could move down to FL and it would be cheaper to buy a house and live there. Well a month later, he was looking for a loan because the house here hasn’t sold and he ran out of money so he couldn’t pay the bill for his extended stay motel.  Guess his extended vacation is over. Sometimes you can’t even make this stuff up. |
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Post by Zee on Apr 20, 2024 19:02:14 GMT
Well, I live in Florida 18 miles from the coast, newer house. My yearly homeowners insurance bill went from $2,800.00 in 2018 to the $10,000.00 in 2024. I have a mortgage so it is mandatory. This is a major issue in Florida and many are leaving due to this expense and the overall impact on housing costs. I am a lifelong Florida resident and this is my home, but I am seriously considering leaving due to this and the other dreadful nonsense in Florida. Ca insurance companies are dropping people or completely pulling out from the state. It is way out of hand. We are punished for the fault of the government not maintaining land, forests, etc. To be fair it's pretty evident that the earth in California is trying its best to rid itself of humans. |
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Post by ntsf on Apr 20, 2024 20:47:18 GMT
I bought my house when the rates went from 21 % to 12.5%. we thought that was a good deal!!!!
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Post by Scrapper100 on Apr 20, 2024 21:32:32 GMT
well. most of you can be glad you didn't pay $5.39 for gas at the cheap station today.. surprised how fast it is going up.. most stations are $5.79. Damn! Crazy how across the state gas prices vary. My Costco in Ca is $4.84. Has gone up 67 cents in a months time. Wow I’m a county south of you snd it’s gone down to 5.06 at our local Costco today  . |
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Nanner
Drama Llama
Posts: 5,987
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Post by Nanner on Apr 21, 2024 2:10:15 GMT
I moved to Calgary in 1980 during a boom time. There were loads of jobs. In fact, when I decided I was moving here, I got a Calgary Herald paper with a view to calling some law firms looking for (at the time we were legal secretaries). The first place I called hired me over the phone after a 5 minute "interview". (and it turned out to be a lovely little 2 firm - 2 older gentlemen and I stayed for 3.5 years). Anyway.
In the early 80s one of the things I did was second mortgages for a bank. The interest rate for these was TWENTY NINE percent. Yes 29%. Just obscene. But the jobs were plentiful, money was flowing, and it was buy, buy, buy. Houses sold fast. People moved out here in hoards from back east for the jobs and the economy.
And then the bust came. Calgary is very well known for its booms and its busts. The bottom fell out, jobs were lost, houses weren't worth the mortgages. And we ended up foreclosing on every one of those 2nd mortgages we did. I hated it so much.
And the dollar deals happened - quickly incorporated numbered companies were buying houses for $1 and assuming the mortgages. The home owners felt that selling these houses for a dollar would make them not liable for the huge excesses owing on the mortgages. The dollar companies were owned by scumbags. They never paid the mortgage payments and they fell into arrears. They would rent the houses out until the house was foreclosed on (and it took much longer to finalize a foreclosure back then). So these scumbags collected rent from people on these homes they had only ever paid $1 for. The tenants were then evicted and the landlords then trashed the houses removing everything of any possible fellow.
Things changed then. That's when mortgage insurance was required for any mortgage that was more than 80% of the value of the house. There were more restrictions on assuming mortgages.
Then things flattened out and some sort of normalcy happened.
My ex-husband and I bought our first house in 1988. The interest rate was either 13 or 14%. To me, that was a great rate after the 29% garbage.
Crazy times.
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hannahruth
Pearl Clutcher
Posts: 2,719
Location: Adelaide, Australia
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Post by hannahruth on Apr 22, 2024 6:19:49 GMT
There's vet bills ($600), propane bills ($550), car registration ($450), and oh look it's my PO box renewal month and it is now $72! $72!!!! Holy Smokes $450 for car registration??? That is a crazy high amount...why?? Can you reduce that somehow. PO Box - do you really need that? Can't you get mail delivered to your home for free? Try to really study your spending and see where you can reduce costs. |
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scrappyesq
Pearl Clutcher
You have always been a part of the heist. You're only mad now because you don't like your cut.
Posts: 4,063
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Post by scrappyesq on Apr 22, 2024 14:30:51 GMT
The thing that gets me is the cost of food. I used to be able to go to the grocery store and feed myself for a week with $80. Now I easily spend $200. That on top of the occasional night out for dinner and I feel like I'm always caught off guard by the cost of things. Gas prices are the least of my worries now, whereas before I would stress out if the price went up by $.50.
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Post by littlemama on Apr 22, 2024 14:44:04 GMT
Need to start taxing the wealthy and Corporations at correct percentages without loopholes.
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Post by Merge on Apr 22, 2024 15:51:05 GMT
The thing that gets me is the cost of food. I used to be able to go to the grocery store and feed myself for a week with $80. Now I easily spend $200. That on top of the occasional night out for dinner and I feel like I'm always caught off guard by the cost of things. Gas prices are the least of my worries now, whereas before I would stress out if the price went up by $.50. Agree. We’re spending as much for two people now as we did for four when our kids lived at home. DH works from home and I work within walking distance so we’ve been insulated from high gas prices. |
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casii
Drama Llama
Posts: 5,525
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Post by casii on Apr 22, 2024 19:00:54 GMT
The thing that gets me is the cost of food. I used to be able to go to the grocery store and feed myself for a week with $80. Now I easily spend $200. That on top of the occasional night out for dinner and I feel like I'm always caught off guard by the cost of things. Gas prices are the least of my worries now, whereas before I would stress out if the price went up by $.50. Same here. There's a lady on TikTok who does a weekly meal series based on shopping at Aldi. My middle DD has taken to giving it a try since they're a family of 6 and food prices are insane. Not to continue on with TikTok info, but another baker on there recently pointed out how Betty Crocker cake mixes have decreased by several ounces, their ingredient list has become freaky and they no longer dependably taste good, so she's creating basic recipes for cake mixes we can make at home instead. Walking through Safeway the other night, prices for basic items are extremely high. Something has got to give. France has recently required companies to post signage in stores to explain their price hikes/shrinkflation. One chain, Carrefour, removed PepsiCo products because the price increases were unreasonably high. It's not out of step for similar consumer information and protections to come into play in other countries as well. Pepsico products removedFrance orders companies to display Shrinkflation |
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snyder
Pearl Clutcher
Posts: 4,351
Location: Colorado
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Post by snyder on Apr 22, 2024 20:20:06 GMT
The thing that gets me is the cost of food. I used to be able to go to the grocery store and feed myself for a week with $80. Now I easily spend $200. That on top of the occasional night out for dinner and I feel like I'm always caught off guard by the cost of things. Gas prices are the least of my worries now, whereas before I would stress out if the price went up by $.50. Same here. There's a lady on TikTok who does a weekly meal series based on shopping at Aldi. My middle DD has taken to giving it a try since they're a family of 6 and food prices are insane. Not to continue on with TikTok info, but another baker on there recently pointed out how Betty Crocker cake mixes have decreased by several ounces, their ingredient list has become freaky and they no longer dependably taste good, so she's creating basic recipes for cake mixes we can make at home instead. Walking through Safeway the other night, prices for basic items are extremely high. Something has got to give. France has recently required companies to post signage in stores to explain their price hikes/shrinkflation. One chain, Carrefour, removed PepsiCo products because the price increases were unreasonably high. It's not out of step for similar consumer information and protections to come into play in other countries as well. Pepsico products removedFrance orders companies to display Shrinkflation
This reminded me about 6 weeks back, I read an article how Lay's Chips were removed because the prices were too high and the store refused to carry them. A few weeks ago, Lay's Chips were on a really good sale price at Walmart. I bought several bags for my son and grandson and explained to them, I grabbed them because they were affordable. Ugg! lol
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Post by crazy4scraps on Apr 22, 2024 23:04:39 GMT
The thing that gets me is the cost of food. I used to be able to go to the grocery store and feed myself for a week with $80. Now I easily spend $200. That on top of the occasional night out for dinner and I feel like I'm always caught off guard by the cost of things. Gas prices are the least of my worries now, whereas before I would stress out if the price went up by $.50. Same here. There's a lady on TikTok who does a weekly meal series based on shopping at Aldi. My middle DD has taken to giving it a try since they're a family of 6 and food prices are insane. Not to continue on with TikTok info, but another baker on there recently pointed out how Betty Crocker cake mixes have decreased by several ounces, their ingredient list has become freaky and they no longer dependably taste good, so she's creating basic recipes for cake mixes we can make at home instead. Walking through Safeway the other night, prices for basic items are extremely high. Something has got to give. France has recently required companies to post signage in stores to explain their price hikes/shrinkflation. One chain, Carrefour, removed PepsiCo products because the price increases were unreasonably high. It's not out of step for similar consumer information and protections to come into play in other countries as well. Pepsico products removedFrance orders companies to display ShrinkflationDon’t even get me started on the shrinking cake mixes! It really messes with ratios when you’re using a cake mix as an ingredient in something else and it drives me nuts. Back in the day a cake mix used to be 18.25 ounces and would reliably make 24 cupcakes , a 2-3 layer cake or a 9x13 that baked up to a decent height. Then they dropped it down to 15 something ounces and there was a hack to add extra ingredients to it to make up the difference without affecting the quality of the finished cake. Now they’ve shrunk yet again to 13.5 ounces or so and it’s ridiculous! I’m to the point where I just buy 2, mix them together to get the right quantity needed for my recipe and save the rest in a canning jar for next time. |
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seaexplore
Prolific Pea
Posts: 8,891
Apr 25, 2015 23:57:30 GMT
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Post by seaexplore on Apr 23, 2024 13:11:28 GMT
well. most of you can be glad you didn't pay $5.39 for gas at the cheap station today.. surprised how fast it is going up.. most stations are $5.79. Wow! 😳 I paid $3.03 a gallon for unleaded at Costco on Thursday. $5.05 at Lodi, ca Costco yesterday. |
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huskergal
Pearl Clutcher
Posts: 3,449
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Post by huskergal on Apr 23, 2024 13:52:20 GMT
I feel for young families with children. We had 4 children in 6 years. I stayed at home for 10 years. I did work a few part time jobs. We relied on dh's paycheck. I was able to stretch dollars because I cut coupons and bargained shopped. It doesn't seem possible to do that any more. I know that is over 20 years ago, but wages need to keep up with inflation. It is crazy.
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Post by melanell on Apr 23, 2024 14:32:29 GMT
I'm so sorry. I totally get what you're saying.
Each year during the week between Christmas & New Year's Day, I set up my budget for the entire year. I use a planner, and every bill I can anticipate, every special event, every school or sport or club related expense I know of in advance goes into that planner.
And each year, I make the new book based on the previous year, always upping each bill by a little bit to account for inflation. And 95% of the time, we'd spend LESS than I anticipated due to that small increase I'd build in.
So last year, I added even more to all of those amounts, because we had already been facing rate & cost increases, and towards the end of the year, the padding I added when I made the 2023 book was suddenly being used up. So I made the 2024 book with even higher amounts, with more padding. And as the new year began we started receiving notices of more rate hikes. The gas rates went up, the water rates went up, the electric rates, the trash removal costs, ---the groceries---don't even get me started!
It's so frustrating--firstly because I work hard on that planner each year, and to have it being wrong is aggravating, and secondly, because we have a list of things we want to do both around the house and for enjoyment, and every higher cost makes the things on that list wait a bit longer to be achievable. And of course, the longer we wait to finish a project, or schedule a trip, the more expensive the project materials become or the pricier the trip becomes.
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Guess his extended vacation is over. Sometimes you can’t even make this stuff up.
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