It’s that time of year again when cyber criminals are hard at work trying to separate you from your holiday joy. They’re busy tricking victims into contributing to made-up charities, investing in Ponzi schemes and bidding on phony auctions. All in an attempt to take advantage of your generosity and to steal your cash.
Are you happy with your health insurance plan? Or are premium amounts, deductibles and copays draining your bank account? Are you paying for services you don’t need or want, like smoking cessation classes or a life coach?
Could your family save a bundle by opting for a plan with a higher deductible that offers lower premiums and copays? Or one that covers prescription drugs in the GAP?
Open enrollment is the time period you’re allowed to make changes to employee benefits like health, dental, vision and life insurance plans. Dates and time frames vary by company and providers, but are always held at least once a year. For those folks who receive Medicare benefits, open enrollment always occurs from November 15 through December 31.
The camps are fiercely divided on whether purchasing cell phone insurance is an outright scam or a “smart” choice.
You just purchased the latest android powered 4G cell phone and you’re thinking, “Life is good!” Just as your sale rep finishes activating your phone she mentions that smart shoppers protect their investments by adding insurance to their plans. A moment of indecision sweeps over you. You know the replacement cost for your new toy is just over $500 bucks.
What would you do?
Lots of folks think their frugal because they clip coupons, use customer reward cards and frequently buy items on sale. We all should be proud when we do these things. But – isn’t frugal living a lifestyle?
Take the quiz below to see how thrifty you really are. Answer Yes or No.
“Prudent pill poppers” willing to invest a little time, and do a bit of research are rewarded with tremendous savings when buying over-the-counter (OTC) and prescription meds.
Pick up any magazine or newspaper and you’ll find articles about skyrocketing gas, oil, electricity, and water prices. Authors point to the drastic economic and environmental impact these events have on the world. Our energy crisis is no longer an abstract concept, important only to congressmen and science gurus. This issue affects homes across the globe by dipping into bank accounts and making substantial withdrawals.
What’s a Girl To Do?
Everyday living expenses can easily get out-of-hand. Money spent on paper towels, single use cleaning supplies, carbonated drinks and similar household staples could be put to better use.
Follow these tried, true and green ways to stretch your household budget.
Millions have found creative ways to go green while still acquiring stuff, and all without having to shell out their hard-to-come-by cash. Their secret – old fashion bartering, but with an electronic twist! Truthfully, both on and offline swap and shop sites are seeing tremendous increases in activity as many folks are turning to bartering to help survive this economic crunch.