Yea, kind of ridiculous for a budget writer. And seriously, the auto insurance, cable, phone, everything she listed only takes a couple minutes each to get new quotes on or even setup. Change phone providers Monday, no big deal. Changed auto, rental home, and renters insurance yesterday, easy-peasy. Ok, cancelling cable takes a little bit of time on the phone but even still, for $145, 30 minutes of phone call is pretty good pay.