I just wanted to apologize to anyone and everyone that read this blog on a somewhat regular basis.  I have been very busy taking care of some persoal matters the last couple of weeks.  We have run into some plumbing mishaps with the condo that I bought recently, and now we have some angry neighbors!  I was listening to Dave Ramsey on the radio one time, and he was talking about how Murphy (as in Murphy’s Law) will move into your house faster than you know it if you try to buy a house without a large emergency fund.  We have an emergency fund, but it is nowhere near the amount it should have been before we decided to buy a condo.  You live and learn, and I believe one of the best ways to learn about how to handle money is to fall on your face first, because I promise you will never make the same mistake!  I know we will not make that same mistake ever again.  The silver lining is that we are young and we do not have any kids, so when finances get tight, I can always go out and work two or three jobs. 

Also, I learned te significane of having homeowner’s insurance.  Being an insurance nerd, I bought a policy as soon as we closed on the condo, and it is now paying off.  If the owner below our condo decides to recover funds for the damages we caused to their home, then my homeowner’s insurance will deal with them and represent us in determining liability and negligence.  It is a beautiful thing!  I did not necessarily want to make a claim so early in the life of my policy, but it is the responsibility of the policyholder to notify the insurer of any potential claims.  The moral of the story is that every homeowner needs to insure their home! 

I should be able to update money crashers more frequently, so please do not give up on checking out my site.