So we get our Home Owner's Insurance bill, and it's about $200 more than last year. No way, am I paying for this much of an increase. I flat out refuse.

My husband called on Friday and we didn't get a call back. I called about 5 minutes ago and left a message.

It is one of my biggest pet peeves when people do not return phone calls, especially when it's in regards to me paying them money.

So I will be informing our agent (who my husband's been with for about 10 years, and we've been with for 5), that if he doesn't do much better, I will be going elsewhere.

I don't care how much I like someone, I will not pay any more than I feel is proper.

So frugal thought: Shop around for better prices on insurance. It may take time and be frustrating, but I like the money better in my account than theirs.

And if more people actually did shop around instead of just letting it be, prices would drop.

Remember they are working for you, so get your money's worth.