Local Insurance Brokerage – A Dying Service?


Like many people out there I had not given our home and automobile insurance coverage a second thought.  When I bought my first car I used a one of the local insurance brokerage that has a good reputation in town.  Each year the policy would be renewed and I never looked for a better deal as I blindly and happily continued to "buy local" so to speak.  When I bought my first house I called up the brokerage and had them cover my home insurance and I was happy to hear I got a discount on both the home and car…

Compost: Premium Soil for Free


Composting is a great way to reduce waste by re-using expired bio-degradable materials to produce nutrient rich premium soil for free.  Composting is the corner-stone to organic gardening as there are no chemicals added to the  organic matter.  A cared for compost can help you reduce the amount of enriched soil you purchase for your lawn and garden    The finished product is rich, dark, crumbly and sweet-smelling. Compost is made of recycled garden and kitchen waste.  Around 25-40 percent of the average kitchen garbage contents are suitable for home composting so it helps cut down on the amount of…

Subaru Outback Q & A


Our posts on our Subaru Outback selection and subsequent Import DIY posts have garnered a lot of attention in these early days of this site.  I thought it best to start up a Question and Answer post where I will post some of the intriguing questions I have received from one reader regarding our Subaru Outback import.  After the post we encourage other readers to post questions in the Comments to this post and I will answer all of them! Update: Dec 8, 2010 I decided to follow up with the dealer regarding what J had told me about the…

Don’t Lighten Your Wallet with Inefficient Light Bulbs


As part of our ecoEnergy Retrofit we will replace all of the inefficient light bulbs the previous owners had installed.  Upgrading light bulbs is not covered by the ecoEnergy Retrofit program, however, we recognize that upgrading to compact fluorescent lights (CFL) or even LED (light-emitting diode) ligh bulbs will save us money.  Our personal and financial philosophy dictates that we try to save money and leave a smaller carbon footprint whenever it makes sense to do so.  When it comes to electricity usage we recognize there are many ways to reduce our bills and keep our money in our pockets…

Entering the Foray of Personal Finance


Mrs. Sustainable PF agreed to marry me about two and a half years ago and we wed just over a year ago.  We determined that we needed to prioritize some important things in our lives which included choosing and buying a home together as the house we were living in was one I purchased shortly before meeting Mrs. Sustainable PF.  We fixed up our house and sold it while also finding and purchasing the house of our dreams. We also wanted to buy a new car, a Subaru Outback, which we purchased in the Summer of 2010.  Both of these…

Our ecoEnergy Retrofit


In September 2010 we moved into our new (to us) 100 year old home.  We felt it prudent to ask for average utility costs prior to buying and we were taken aback at the heating costs of our soon to be new home.  I had done an ecoEnergy retrofit on our last home (heating block was cracked in the 25 year old furnace so I wanted to get some money back, wanted to save money on heating and reduce our carbon foot print) and in 2009 our average heating bill was $96 per month (mainly due to a warm winter,…