Update on our homeowner's insurance policy!
I called Allstate and asked what the difference in the annual premium would be if we changed our deductible from $3,000 to $5,000. Answer: $99!
We have enough in our emergency fund to cover the larger deductible, so we won't be overspent if the trees decide fall on the house. I feel reasonably safe in thinking that the house is not going to break, so I'm willing to make sure to keep the emergency fund higher than normal to save almost $100 per year.
$100 in a year will let us reduce the budget by $8 every month. Or we may re-adjust that $8 into another budget category. I would hate having a budget of $1,792, so I'll probably rearrange something, though I might see if there are some other categories that can be trimmed so that we could add a few cuts together to reduce the total by a nice, round amount. I know auto insurance is coming up and might possibly be lower... we'll see.