nj horse
Welcome to NJ-Horse

Welcome to my personal Horse Blog!

I’m an avid equestrian, located in probably one of the places you’d least thing of when you think of horses.. New Jersey!

Crazy how suburbia can make someone love country life.

Anyhow, I made this blog to connect with other equestrian in N.J since there can’t be that many of us here.

A little about me, so you know I’m not a weirdo

I work as as insurance agent, and my husband is a real estate agent. So if you need a house let me know, he can help.

I have no kids, and my biggest hobby as you can guess is horse back riding.

Join me

Want to go riding with me?

Awesome, just one question.

Are you a serial killer?

Well tell me a little about yourself, so I can be sure 🙂

What type of horse do you like to ride?W

Where do you like to ride?

email me at ray@nj-horse.com

Top Ways to Cut Back on Household Expenses

Top Ways to Cut Back on Household Expenses

Living paycheck to paycheck has pretty much become the norm for me, and I know I’m not alone in this struggle. It seems like more people than ever are just trying to get by on what little they make nowadays, looking for ways to stretch their dollar further.

For me I have found that making a few changes in my life and my spending habits where household expenses are concerned has really helped to turn things around. While I wouldn’t exactly say I’m swimming in extra money, I certainly feel less stretched at the end of the month. Here’s a look at the tips I found to be the most helpful.

Start Eating at Home

It’s amazing how fast you go through money when you are eating out on a regular basis. I would start the day with breakfast at home, but then I’d grab a coffee mid-morning, go out for lunch, then get takeout or eat at a restaurant for dinner at least a few times a week.

Out of curiosity I kept all my receipts for dining out and takeout for a whole month to see how much I was spending. The total not only shocked me but left me a little disgusted. We’re talking about hundreds of dollars spent just on food! I’ve found that by planning meals in advance, creating a grocery list based on those meals, and then sticking to the list I am saving a ton of money each month all while eating healthier.

Take a Look at Your Car Expenses

While a car may be a necessity in your life, there are ways you can cut back here. Think about downsizing to a cheaper car, and take a close look at your insurance. I took advantage of very cheap car insurance with no deposit required, which again has saved me a fair amount of money. I also like to plan out my journeys a lot smarter now so I’m not wasting gas driving around in circles.

Go Green and Opt for Energy Saving Items

We all know there is a huge push to go green and make energy efficient choices nowadays, and the great thing is that these usually result in money savings. This includes things such as low flow showerheads and toilets, energy efficient lightbulbs, and energy star rated appliances.

The thing to keep in mind about cutting back on household expenses is that every little bit counts, so the more you can do, the more savings you’ll incur.

Who Has The Cheapest Car Insurance? And Other Weird Things We’re Proud of

People are weird. And they brag about weird things.

Like money. We all want to earn more of it. And spend less of it. We want everyone to think we have it. But we also want expensive things so that we can brag to our neighbours about how little we paid for them. Because that makes us look…better? Smarter? It definitely doesn’t make us look richer. But we still do it.

There are loads of things humans brag about that are strange.

Drinking tolerance.

Maybe this is specific to Britain’s alcohol-fuelled culture. But people brag to their friends about getting so drunk that they almost died all the time.

Drank so much at the weekend that you had to get your stomach pumped, shat yourself in McDonald’s, or woke up in a pool of your own vomit? I bet you can’t wait to tell your friends how fun you are!

Not studying for a test.

Why is it that when you are in school/ university, it becomes popular to brag about how little studying you’ve done for a test. Like at university, why is it still everyone’s instinct to tell anyone that will listen how they haven’t done any of the reading? They’re paying, like, a LOT of money for a degree. Yet telling people they’re doing essentially, everything in their power to get as little in return for their cash as possible. Weird.

Getting high.

Similar to the drinking one. Only this time with drugs. ‘Oh man, I was so high this weekend’. Why is that a thing again? I’m not saying don’t do drugs. By all means, do whatever you want. Try everything once. But don’t speak as though putting dangerous substances into your body makes you better than others.

Who has the cheapest car insurance

Okay, this one may be worth bragging about. PRO tip #1 Get a quote here: http://www.autoinsurancemonkey.com/how-to-get-cheap-full-coverage-auto-insurance/

Actually. Looking at this list. Maybe I should just start associating with a new crowd. These guys seem like wasters.

Words of Wisdom: Don’t Make Friends With Rich People

While I was at university, I had some rich friends. I don’t mean like, Mummy and Daddy paid for my tuition fees rich. I mean ‘I’m just nipping to Copenhagen for dinner’ kind of rich. I’m dead serious, this girl flew to Denmark, for ONE meal.

Now, I’m not saying I struggled for money. But I was averagely well off I guess. I could afford rent and food and stuff by working a part time job like a regular person. But I couldn’t drop, say, $200 on dinner a couple of times a week.

Do you know how hard it is to keep up with people that have that kind of money? It’s literally insane. One time I worked 2 8 hour shifts on consecutive days. One of my friends left to go to a wedding in Dubai and came back again within that time frame. She literally left later than me on Saturday and was back before my shift ended on Sunday!!! Who goes to a different continent for that long?!

So the whole time I was friends with these people, I spent money that I couldn’t really afford to spend. Because it’s embarrassing to admit that you can’t afford to throw $400 a week away on cabs around central London. Or that you are drinking weird Polish Amaretto liqueur because Disaronno is out of your price range.

Obviously, I couldn’t get a bank loan. Because I was a student who wanted money to drink in bars that only bankers and reality TV stars usually frequent, and therefore a liability. So I decided to go to one of the title loans places near me and risk my god damn car to look equally as ‘fortunate’ as the people around me.

And that’s why I now use 3 mediums of public transport to get to work in the mornings. Priorities people, get them right! Also go found the loan here if for the curious: http://www.financeflamingo.com/payday-loans-near-me/

Why I picked my Chiropractor (and it Wasn’t Down to Chiropractic Marketing)

If you ride horses, you know there’s a good chance you’ll get back pain.Back pain is the worst. The absolute worst. And sick of suffering, I decided to get a chiropractor to help me sort it out.

Trouble was. There are loads of Chiropractors out there and I didn’t know the first thing about what makes a good one. So, clever chiropractic marketing strategies aside, here are a few of the things I looked at when deciding who to go with.

I asked my doctor

They are the ones who should know what they’re talking about when it comes to health after all. I asked my doctor who they thought was a skilled and trustworthy Chiropractor.

It doesn’t have to be a doctor though. You can ask anyone you know that has seen a Chiropractor whether they were happy with the treatment they received. And if you get more than one person giving the same name, then you can be pretty confident that they’re decent.

 

I interviewed Chiropractors

I mean, getting a new client is kind of like getting a new job so it makes sense. If they’re any good they should be prepared to answer your questions.

I asked about their qualifications and experience, the techniques they use, and about the clinic in general. Although, I did have to Google the techniques and stuff beforehand, so that I knew what they were talking about.

 

I did my own background check

We all Google our dates and stalk them on social media. So I think it’s understandable that I couldn’t resist doing the same when it came to a potential healthcare provider.

What if I had taken their word for everything and then it turned out that one Google search is all it would take to find out that they’re the Harold Shipman of Chiropractors? (if you don’t know who that is, Google it, it’s not a good thing).