Ahhh! The Money Crisis

This post is from guest blogger Brenda Schmerl:

Every day, it seems the financial news just gets more alarming — first, it was skyrocketing gas prices; then, the stockmarket took a dive; and finally, warnings from some leaders that an economic meltdown looms if we don’t bail out the big financial companies — to the tune of $700 billion! It’s hard not to get apprehensive whenever you turn on the news — so if you’re feeling extra nervous about money, we’ve got the tips you need to help calm you down.

I also want to know how all this financial turmoil is affecting you. Are you changing the way you spend and save? Are you trying to sell or refinance your house? Maybe you're looking to get a new job — or are worried about the one you've got? Add your comments here!

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. 

Cracking the Creditor Convo

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.