Also u have no need to insure your foundation as this don't go no where in fire or hurricane. These insurance companies are soooo wicked though cause the price they give u without the foundation is almost the price with it.

I am not sure you want to do this as it results in partial coverage. Alway remember that Cutting corners alway cost more...

i reduced my expenses today by not eating breakfast :)

That's great! That you had breakfast it's the most important meal of the day. Someone said to foster good health you should eat a really big breakfast, less for lunch and much less for dinner...