Tag Archives: saving money

Shop ahead and save big money at Gymboree

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One of my favorite things about the season change is the chance to pull out new outfits for the kids.  Ok, for me too :)  I know you are probably all shopped out and stocked up for back-to-school, but what about next year?  I love shopping ahead, finding clothes in my kids’ next size, and storing it away in a box until they’ll fit in it.  The box stays out of the way under a bed and waits there for the boys to grow. It’s so much fun to open up the box, discover what I picked out the previous year, and finally get to add it to their closet!

Right now Gymboree has 40% off everything and up to 70% off clearance!  It’s the perfect time to start shopping ahead…and you’ll save so much money!
Gymboree Sale On Now!

Ways to Save on Healthcare Expenses

Ways to save on healthcare expenses - pin and save for later!

 

Healthcare is expensive and it’s not getting any cheaper. It’s a sad reality, but some people spend thousands every year just on healthcare. Between monthly premiums, deductibles, prescriptions and office visits, the cost of staying healthy might be equivalent to the cost of rent or a car payment.

Unfortunately, healthcare is something we all need — it protects us from “financial hardship due to unforeseen illness or injury,” says USHealth Group. However, protecting yourself and family doesn’t mean you have to go broke. There are steps you can take to save money and reduce how much you spend out-of-pocket.

 

  1. Compare health insurance rates

Not all health insurance plans are created equal, and health insurance premiums vary greatly by provider. So don’t get an insurance policy from the first (and only) company you contact. Compare rates with at least three to four health insurance providers, and you should also compare different plans within a company.

Some health plans cover everything, but you’ll also pay more. You can save by only getting the coverage you need. For example, a single guy doesn’t need a maternity rider. And if you have dental insurance provided by your employer or a discount dental plan, you can skip the dental rider when buying health insurance and save.

 

  1. Get a higher deductible health plan

The deductible is what you pay out-of-pocket each year before your insurance kicks in. Some people choose a plan with the lowest possible deductible, but this also results in paying a higher premium. This is a smart move if you don’t have a lot of cash saved up. But if you have several thousand dollars in your savings account, it might be better to choose a higher deductible plan to get a lower premium. For example, a family of three might pay $700 a month and have a $2,000 deductible. However, a plan with a $4,000 deductible might drop the monthly premium to $500 a month.

 

  1. Get preventative care

Under the Affordable Care Act, you don’t have to pay for preventative care like annual physicals, colon cancer screenings, mammograms, etc. Early screenings are one of the best ways to diagnose illnesses early and prevent illnesses, which can reduce long-term medical expenses.

 

  1. Don’t ignore symptoms

Some people ignore unusual health symptoms for as long as they can. But the longer you wait to bring a problem to your doctor’s attention, the more complicated the problem can become. If ignored, a health issue that started off as an easily treatable condition can quickly become a costly burden. Complications might trigger more testing, surgery, ongoing follow-up care or a more expensive treatment plan that hits your pocket hard.

 

  1. Maintain a healthy lifestyle

The healthier you are, the less time you’ll spend in a doctor’s office. For a healthier lifestyle, it’s important to exercise at least three or four times a week. Getting as little as 20 to 30 minutes of physical activity most days of the week can reduce the risk of heart disease, diabetes and cancer. Also, eat a healthy diet. This includes fruits, vegetables, lean meats and whole grains. Reduce your sodium intake to no more than 2,500 mg a day, and make sure you’re drinking plenty of water. It’s also important to stop smoking and limit your alcohol consumption. Men should have no more than two alcohol beverages a day, and women no more than one alcohol beverage per day.

Health insurance is something we all need, and there’s no denying the security it brings. USHealth Group insurance “provide peace of mind in keeping the promise of financial protection afforded by our insurance coverages.” Nonetheless, healthcare can drain our pockets and leave us broke. But if you take preventative measures, compare health insurance plans and maintain a healthy lifestyle, you can potentially reduce how much you spend out-of-pocket on health expenses.

 

Natural Skin Care Tips To Save Mommy Money

Natural skincare doesn't have to be expensive for moms!

 

As a mom, you know that sometimes you don’t have the time or the money to take care of yourself. You get so busy chasing around the little ones that you forget how important it is for you to take a moment and care for your hair, your skin and your face.

Well mommy, you may not have realized that you CAN take care of yourself on the cheap, even when you can scrape together a little time. Not only can you find great natural products so that you know you are keeping the environment your children are growing up in safe, but you can also find great products in your own pantry and refrigerator.

 

For Your Hair

Take some time to think about your hair and what it needs. If you’re washing your hair too often you may find that it is dry. If you have dry hair you’ll want to do a treatment to help improve the oils in your hair. One great way to do this naturally, without spending a ton of money, is to grab the coconut oil. Warm up a little and rub it into your hair and scalp, especially your end and let it sit an hour or so before rinsing it out. This is a great way to help dry hair and you can do it as often as you’d like or need.

If you suffer from dandruff, add a little tea tree oil to your shampoo. It’s a regular ingredient in natural dandruff shampoos and conditioners and buying your own can save you some money.

 

For Your Face

Come up with an easy and regular routine. You know that as a mommy you don’t always have time to put on makeup, but you should always take time to wash your face. Once in the morning and once before bed works great. Find a natural product that gives you a quick wash. Something like pre-moistened washing cloths can even save you time because you don’t need to rinse.

Then if you are fighting dry, oily or combination skin, try a once a week facial. Mash up strawberries for a healing and moisturizing facial. If you have dry skin your coconut oil can help too. For oil skin, use some fresh lemon juice mixed with witch hazel for a nice toner.

 

For The Rest of Your Body

Coconut oil, amazingly, is great for your entire body. Use it at night on callused heels to help your feet look gorgeous in sandals. Use it after the shower to help put oil back in your skin. You can even add some to your regular lotion for extra moisture.

If you suffer from dark spots on your skin, lemon juice can naturally help even them out. If you suffer from skin tags, you can find a natural skin tag remover that is gentle and safe for those with sensitive skin.

As you can see, there are plenty of great products out there that you can use and squeeze into your busy mommy routine.

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