California E&S Insurance

RE: the motorcycle. It's actually my main mode of transportation here in SoCal. Lane splitting is legal so even in rush hour traffic, I can filter through it all all and maybe add just ten minutes extra when I commute to an office, versus a 20 minute commute becoming an hour or longer. If I didn't have a dog, I wouldn't even have a car, I can ride all year long here. Selling a motorcycle with a loan attached to it privately is also virtually impossible (I tried with my last one); if I sell it to the dealer, they will absolutely lowball me just like they do with cars, and then I'm on the hook for the remainder of the loan anyway. So, the bike stays. I know I ate/bought steak in this diary, but chicken and seafood are my primary protein sources! It was definitely a treat to buy a ribeye (and also why I was pretty upset that two went to waste). I don't always buy grass-fed in order to save money, but do try to stay away from the big factory farms. The seafood market is becoming more and more like a special treat; if they don't have anything that I particularly want, I don't go. Depending on the fish I buy, I can get several meals out of it; a few weeks back I bought a good sized California sheephead and the fillets were MASSIVE, so I halved them, vacuum sealed them, and put them in my freezer for fish tacos. I do try to somewhat buy in bulk there when I can! Definitely holding off on riding lessons and the gym. The scarcity mindset kicks into overdrive thinking about that money leaving my checking account. I posted a while back about creating a budget and actually have YNAB, but found it so difficult to use. I did get offers from folks to help me set it up though, and I think I'm almost in a place where I can accept those offers. I've been reading and listening to The Financial Feminist and The Financial Diet/Confessions, so my plan is when my savings account hits $500, get it into a HYSA, whether that's through my credit union (though their Money Market Savings accounts don't hit any dividends until the balance reaches $2500), Chime, Marcus, or Ally. I need to check on the last three to see what balance starts getting dividends. My credit union also has a checking account that collects more interest as long as your balance stays over $2500, which I may be able to do, though I know a lot of people don't like to keep that much money in their checking accounts. Thanks so much for your advice! You are definitely not a jerk; I just prefaced my comment like that because another commenter last night said my life was a dumpster fire. They are not wrong but also, I know that? That's why I have posted asking for help and also sharing the difficulties I've faced as a single earner who has had quite the wild career path, AND is in the middle of a career transition. The pup offers kisses and Mandough is taking a nap in the fridge but also says hello!

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