Egg-celent Ideas

After spending months, literally, trying to figure out what to do with leftover egg cartons (it's a long story that I'll share another day), I stumbled upon an article at FrugalVillage.com where DOZENS of uses for egg cartons are listed – toolshed organizer, loose change holder, travel container for jewelry, seed starters, desk organizer. The possibilities really are limitless. 

Tell me more! What do you do with those pesky egg cartons? What about milk jugs and oversize tin cans -- how do you recycle those?

Never Waste Money On Gifts Again!

I've been told that I'm an oddity when it comes to receiving gifts, in that I absolutely adore every single gift I get, from the blingy watch my husband bought for me a few birthdays back to the scribble drawing my three-year-old nephew created for me this birthday. I don't care what it is, as long as I get something. 

Health Benefits that Benefit You…And Your Wallet

In the middle of the night my husband had an allergic reaction a couple of weeks ago to one of the ingredients in our favorite restaurant’s “secret ingredient barbecue sauce.” He needed to get to the emergency room asap, but (since we don’t have a car) he was hesitant for me to call an ambulance. “How much do you think our insurance will cover,” he managed to muffle out of his growing-by-the-second lips. Once again, we found ourselves nickel and diming our health benefits

According to Tracey Baker, a Certified Financial Planner, there are easier (and less itchy) ways to save money with your health plan. There are key financial decisions that we can make to put as much as $4,000 back in our bank accounts. Oh, what I could do with $4,000!

1.       Save with Mail Order

Many health plans offer discounts if you use mail-order pharmacies for routine medications. You could get a three-month supply of your drug but only pay for a two-month prescription.

2.       Go Generic

Last year, the average brand name prescription drug cost about $85 more than the average generic.  By switching just one prescription from a brand name drug to a generic, you could save more than $1,000 a year.

3.       Visit Your Doctor Online

Some doctors offer online consultations, which are often more convenient than in-person visits.  Talk to your doctor or your insurer to find out how to use online visits properly.  Virtual doctor appointments save you gas money, too!

For more information on making smart health benefits decisions at every stage of click on the “Navigating Your Health Benefits” tool at www.PlanforYourHealth.com.

Buy Furniture on a Budget

 Have you ever walked through a model home and thought to yourself: “The house is ehhh, I wouldn’t buy it. But some of the decorations and furniture inhere are perfect!” Me too.

Turns out, you don’t have to just lust over that cute dining room set! If you see something you like in a model home be bold and ask the sales office when the furniture might be available for sale. Such sales offer the model home furnishings for as much as 70 percent cheaper than retail.

How do you find these model homes? Go for a drive through the newer housing developments in your city, as these neighborhoods may still be under construction and still in the selling stages. Check out the websites below, too, which list model home furniture auctions/sales for cities across the country.

Buildersauctioncompany.com

Lagesseauctions.com

Extrafurniture.com

Good Things Come in $1 Packages

I recently read on Washingtonpost.com that the Dollar Tree, the nations third-largest deep-discount retailer, is one of the few retailers that is making gains in this tough economic market. Surprising? I think not.

The Dollar Tree rocks! Where else can you know your total cost just by counting the number of items in your cart?

Here’s a list of some the BEST things I’ve found at the Dollar Tree stores. What are your favorite scores at dollar stores?

Conditioner (use it as a moisturizing shampoo)

Gummy Bears (movie candy...hello!)

Cleaning supplies (buy in bulk)

Birthday cards (buy a batch of them for the entire year)

Picture Frames (get crafty by painting them or dressing them up with beads and crystals)