home owners insurance

In one of the classes that I am taking in college we are learning about personal financial planning and all of the aspects that go along with planning for your future financially. For the first part of this project we have to hypothetically find a spouse and a career for your spouse. After finding a husband, I had to look up a career for me on a salary finder website as well as for my spouse. I figured out what our total income would be and then from there on we had to go online and find a house and a car and get loans/ mortgages for both of those. The hardest part was dealing with reality. You think you are going to grow up and have a ton of money and never have to figure things out like this (or in my case I am just hoping my dad is there to do it all for me) but when you are typing in interest rates and terms on a mortgage calculator you realize that one day you'll have to grow and learn to do all of these things on your own. That thought is an extremely terrifying one. The second part of the project, after getting all of this ‘stuff' is to insure it and to find out the reality of the costs to insure everything you own including yourself and your family. So you have to search around for insurance policies like home owners insurance and life insurance. Thankfully I have not yet gotten to this part of the project, but just thinking about it makes me cringe. I guess if people of all different economic, social and mental backgrounds are owning homes and cars and having kids and insuring all of them, it can't be THAT difficult to figure out with a little bit of help (ha can you say daddy?). But still, looking online at monthly or bi annual fees for insurance seems so overwhelming especially to a college student who spends money only on shopping and has never really had to pay for ‘needs'.

While this project is completely terrifying and a wakeup call, I really do think that it will prove to be beneficial to our class in the future and has really opened our eyes to reality. So even though at this moment I hate my professor for assigning me this project, I am sure when I am all settled in ten to twenty years I will look back and quietly thank him.

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