No. of Recommendations: 60
While I don't carry balances on my cards, I also don't have a huge income, which means that I've had to be very careful how I spend my money, and on some things, such as car insurance, I've had to send in checks monthly because I've not had an opportunity to save the entire premium before it was due. (Please, don't waste your time telling me to try a different company. In Massachusetts the rates are set by the state, and the only thing you can do to get lower rates is not have an accident or a ticket, and to join a group so you qualify for a discount. I'm already getting a group discount, and I'm only allowed one).

The last three or four years were particularly rough, and there have been times when paying the monthly premium has been like pulling teeth. And when you pay on the installment plan they tack on a $4.00 service fee every month.

But with the new job, and the direct deposit, I have been able to put money aside.

The first insurance bill of the season just arrived Friday. I walked downtown an hour ago, transferred money from savings, and wrote a check for the total amount. Other money has been sent to ING, and a bare minimum is now in my local account.

And I've already started saving for next year's insurance bill.

The sheer freedom I feel is incredible. It must be similar to watching a credit card go down to zero after months of sending in payments. I don't have to look for that envelope every month, and examine the checkbook, wondering how much I can send this time.

The Freedom Fund is worth every bit of effort it takes. Knowing that the once a year charges can be taken care of immediately is a relief. Knowing that I don't have to scrape the money together month after month is a marvelous freedom.

And it was an absolutely gorgeous day to walk downtown, too.

Happy Spring.

who met some more Fools yesterday.
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