Every year I get a raise.
Every year stuff gets more expensive. By Stuff I mean Insurance. I will not be specific about which ones, but there is a bunch of different types.
I keep making less and less per year even though I am getting raises because the rate hikes keep going up.
Just to be clear. My credit is good, I have been at my job for 5 years, I have never filed a claim for an accident nor have I ever been in one. My Driving Record is Perfect except for the speeding ticket I got 4 years ago. So my car Insurance I pay for yet never use. And what really grinds my gears and makes me angry is if my car needs repairs Insurance does not cover it. I have to pay for it myself. If I never use the insurance and pay up the wazzo for it then at least help me with my repairs right! Throw me some good faith money. Make me feel like I am not be ripped off.
I am in very good health. I don't smoke. I have health insurance because I have 3 kids and I have to have it. They are in good health and make all visits to the doctor as any other child would. Nothing out of the ordinary.
I have never filed a claim for my domicile yet I have insurance for that too.
Every year my raises are not enough to outpace the rate hikes.
To look at it another way since the rate hikes keep outpacing my raises it breaks down to this: My car insurance basically takes one of my take home money paychecks per month. My health Insurance takes away 1.5 take home money paychecks per month. and My domicile insurance only takes away one pay check per year. Out of 52 weeks in a year and 52 paychecks I only get to keep 17! 35 of my paychecks per year is being taken from me and I am being ripped off! This is what is going on in America. It is not fair!
I really needed to vent and I appreciate this community.
I hope I did not break any forum rules.