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The dreaded month of September, when it's time for me to set about renewing all my insurance - car and home - and renewing my road tax.

I don't know how I managed to have them all happening in the same month, it just coincidentally ended up that way somehow!

So now I'm trying to work out how to get a better car insurance deal, and I'm even looking into life insurance with critical illness cover too.

A friend of mine with a family got struck down with an illness and has been out of work for a few months, they couldn't pay him sickness any more and he's in a huge battle with his life insurance policy holders to pay out for the cover he thought he had and was entitled to. His family are really struggling with just one income and he's powerless to do anything about it.

I wish I could do something to help him, we're all trying to help out as much as we can but none of us can pay him the wage that his insurance company won't!

Photo: cafemama (Flickr)