Wednesday, January 23, 2013
Water rates going up 11% this year and other increases in personal cost of living
I'm not sure how to reduce our water use further. Our new dishwasher should use less water and we can pre-rinse less. We could go back to collecting the "warm up" shower water in a bucket and hauling it from the 2nd floor to the basement to use in the washer. I think that won't happen due to my shoulder and Hubby's back problems. I'd rather shower every other day in cool weather to save water.
Other increases in our personal cost of living for 2013? The cable/internet/phone bundle went up 21% as the intro rate expired and I imagine there were other increases in fees/taxes. I am sure we will see increases in car and homeowner's insurance although our excess liability policy stayed the same. Our life insurance costs go up each year as well. Of course our OASDI withholding went back up 2% to the normal rate after the "tax holiday" as did everyone else's. I think the Medicare withholding went up a bit too. Our property appraisal is locked for the year but the rates will probably go up so our bill will too. We are very fortunate that our medical insurance rate only went up 1% after years of larger increases. The only thing I can think of that will go down is the personal property tax on our cars as it is based on value and they keep depreciating.
Of course that leaves our discretionary expenses as the only place to see reductions. I'm working on that!