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date night on a budgetValentine’s Day is right around the corner, which means gifts and candy may be in order. Valentine’s Day can cost an average of $580 for gifts and food, but it doesn’t have to. Here are 20 ideas to help you plan the perfect Valentine’s Day date night on a budget.

Walk Around The Park

If it’s not too cold in your area, go out for a nice walk around the park. This date night on a budget allows for some nice conversation while you enjoy the scenery.

Fondue Night

You don’t even have to have a fondue pot for this date. Grab a crockpot or camp out by the stove, and serve some delicious melted cheese with some of your favorite dippers.

Check Out A Museum

This date night on a budget is great if you are both fans of the arts. Check to see if your city has any free or half priced museums near you. An easy way to find a ton of museums is this website.

Board Games

Got any board games lying around collecting dust? Pull them out and challenge your significant other to a duel. Don’t get too competitive though, this date night is supposed to be fun! ...continue reading

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car insuranceChoosing a high deductible is a way to save money while fulfilling the legal requirement in many states to have car insurance.

Going from a $500 deductible to a $1,000 one will save 5-10 percent on the premium, or about $15 in monthly savings for the average consumer. Moving three or more cars to a $1,000 deductible could add up to a fair amount of car insurance savings.

The savings could be put away to pay the deductible. Saving about $100 over six months of insurance premium payments can allow some people to pay their bills.

A higher deductible won’t only lead to lower insurance premiums, but to fewer claims filed to keep them low.

There are some things to consider before making such a decision. Here are some of them:

Have $1,000 stashed away?

It would be wise to have the higher deductible amount in a liquidity fund such as a savings account to cover you if you have an accident and have to pay a deductible — which is a specified amount of money an insured person must pay before an insurance company will pay a claim.

Deductible amounts are typically in increments set by each state’s insurance department, often set at $100, $250, $500, and $1,000. The higher the deductible, the lower the insurance premium because the insured is taking on more of the risk. ...continue reading

Whether a divorce is combative or friendly depends a lot on the couple. The cost of getting a divorce is also dependent on how collegial the spouses are, though there are some costs that aren’t going to change no matter how nice they are to each other.

Divorce costs depend on a number of factors. These include where you live, the attorney you hire, the number of issues to resolve and how combative the spouses are, among other things.

Some attorneys or divorce assistance services charge by the hour, while others may charge a flat rate. Usually, the longer a divorce takes to complete, the more money it costs.

Hourly rates

Working with a family law attorney can be helpful during a divorce. Even if the divorce is amicable, at attorney can help get through the legal issues more easily and quickly.

Hourly rates are common among attorneys. A typical hourly rate for divorce attorneys is $250. This includes divorce attorneys who provide full representation in a case and handle every issue, down to partial representation such as help with alimony or child custody but not division of property. ...continue reading