she was going to save 50% on her car insurance. she hadn t shopped it around in ten years. she just sort of accepted the little incremental increase year-over-year and suddenly she was paying way over market for who she was and her credit and whether the fact she hadn t had any accidents. this is a worthwhile thing to do. finally, come june, here we are just trying to get out of holiday debt, you say start holiday savings account in june. i know. well, you know, if you re planning a wedding in june, this is not going to apply to you. you re going to be focusing on major purchases and expenses and you ll be doing the honeymoon planning in april for your june wedding. but for everybody else, one of the easiest things to do is to start early planning for your holiday spending and giving yourself circumstances months to put away say an extra $100 a month or $150 a month means that when december comes and you re ready to start shop, shop, shopping again, you re going to have a little