I finally found time to call my car insurance agency about a discount I was supposed to receive. She told me the reason I wasn't seeing it on my statements is that: they credit one year back, so the credit is for 2004 but they don't give it to me until 2005.
No wonder I was confused!

Oh well, at least I know I saved an additional $52 for sending in my train passes.

I'm trying to sign up for a course to expand my skills in the career I work in. It will be done online, which is great for my schedule. It's $600, but I'll make it all back if I only get one freelance project in that field. The college won't return my calls - getting very annoyed!!