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Frugal Sack Lunch Ideas for Kids

October 29, 2017 By MelissaB 2 Comments

When we send our kids to school, we want them to receive the best education.  Having a healthy lunch to eat is a big part of that. But, if you choose to buy convenience packages of snacks and desserts as well as lunch meat, sack lunches can quickly become an expensive endeavor over the course of a year. Especially if you’ve got a hungry teenager. If you’re looking to curb costs, consider some of these frugal sack lunch ideas.  Mix and match to make tasty, healthy, low cost lunches for your kids all day long.

Protein

  • Hard boiled egg(s)
  • Peanut butter (Use it on celery sticks, as a dip for veggies, or on a sandwich.)
  • Cheese (Make a cheese sandwich, or serve separately.)
  • Hummus (Use as a dip for veggies and crackers.)
  • Yogurt (Try yogurt covered frozen blueberries for a less messy option.)
  • Leftovers (Use leftover meat from dinners to supply protein like chicken, beef, etc.)
Frugal sack lunches
Good food = good students

Fruit

  • Apple slices (Slice your own apples and dip them in a bowl with water and a bit of salt.  They won’t brown and you’ll save a lot of money compared to buying already sliced apples.)
  • Clementines (These can be put in whole or peeled and separated for younger kids.  Their small size makes them a perfect lunch box fit.)
  • Grapes
  • Dehydrated fruit such as berries, cherries, etc.  (A little goes a long way here, so you’ll only need a few.)

Veggies

  • Carrot sticks (Don’t buy baby carrots at the store; buy carrots in bulk and peel and cut them yourself.)
  • Celery (Serve plain or with hummus or a nut butter.)
  • Cucumbers

Grains

  • Tortilla chips.  (These are an excellent frugal option, and they can be more filling than regular chips.)
  • Homemade granola bars.  (Make them yourself and fill them will healthful ingredients like nut butters, oats, and dried fruit.)
  • Muffins.  (Muffins can be a sugar trap, so focus on the healthier recipes that are naturally sweetened with fruits.)

Where to Buy Your Ingredients

We’ve found that the best place to buy lunch ingredients is at big warehouse clubs like Sam’s or Costco.  For instance, at Costco, you can buy a 10 lb. bag of organic carrots for $5!  Or, you can buy a big bag of potato chips for less than $4, which is much less than you’d pay at the grocery store.  You just need to take the time to bag these items in individual portion sizes.

Save Time By Preparing Ahead

If you look at the suggestions above and think there’s no way you’d have time to prepare a lunch from scratch every day, especially if you have multiple kids, you’re probably right.  Most of us don’t have that kind of time early in the morning.

Instead, prep all of the lunch ingredients for the week on the weekend.  Have them all packed and ready to go in the pantry and the refrigerator so you or your kids just simply have to grab them and pack them in the early morning rush.  Or, to be safe, prep on the weekend and prepare the lunches every night so you just need to grab them from the refrigerator in the morning.

Feeding your kids a brown bag lunch can be affordable. . .if you choose the right ingredients, and use these frugal sack lunch ideas.

How do you save money on your kids’ sack lunches?

 

Filed Under: Children, Frugality, Married Money, Saving

4 Simple Ways to Save: Medical Bills

October 13, 2017 By MelissaB Leave a Comment

Every year, the price of medical care seems to go up.  We pay a hefty premium to be insured through my husband’s work, and then we have a $350 deductible and a $15 co-pay for any doctor’s visit, including wellness checks.

However, I know what we pay for medical care is not that much in the grand scheme of things; many Americans are paying much, much more for medical care than we are.

Yet, in my ongoing goal to continually lower our expenses, I’ve found a few strategies to reduce the high cost of medical care, and avoiding unpaid medical bills.

4 ways to save on medical bills
Cut those medical bills

Call the doctor before you go in.

One Saturday night, my youngest came down with a fever that started at 102.5 and climbed all the way to 104.5.  Luckily, we controlled the fever with over the counter medicine, and she was back to herself in two days.  And then it was time for my other daughter to get it.  Then, my son.  When my son got it, he was sick for three days and unable to keep down food.

Instead of bringing him to the doctor, I called the nurse.  The nurse recommended a wait and see attitude.  If he wasn’t better the next day, bring him in.  Well, he was on the mend the next day, and I saved myself the $15 co pay.

Wait to fill prescriptions.

I had a root canal a few months ago.  The doctor prescribed hydrocodone, and I promptly filled the prescription, which cost me $16 out of pocket.  I should have waited, though, because the little pain I had afterward was easily managed with aspirin.  If I hadn’t rushed to fill the prescription, I would have saved $16.

Of course, this advice does not apply to regular, monthly prescriptions need to control certain chronic conditions.

Consider an alternative to drug stores for your prescriptions.

I have to take thyroid medications.  For years, I went to Walgreen’s to fill the prescription every month.  Then I found out I could get a three month refill from Costco for a price 1/3 less than Walgreen’s.  Yes, please.

If you have a Costco or Sam’s Club near you, checking the prices for prescriptions is worth your while.  Even better, you don’t have to be a warehouse club member to use their pharmacy.

Ask for a different billing code.

My daughter had her regular wellness check in the spring when she turned 5.  This past fall, we switched doctors.  The new doctor required a new patient visit before she would start seeing my daughter regularly.  The problem?  The doctor’s office billed this visit as an annual wellness check, and my insurance provider refused to pay for any of the appointment, leaving me with a $125 bill.

I called the billing office, explained the situation, and after the billing office looked into the situation, they used a different billing code so I was only charged our typical $15 co-pay.

Insurance premiums, deductibles, and co-pays can be expensive.  Using these tips and tricks, you can shave anywhere from a few dollars to several hundred or even thousand dollars off your medical bills each year.

What are your favorite ways to save on medical expenses?

Filed Under: Frugality, Saving, ShareMe Tagged With: frugaler, medical bills, negotiation

When Should You Hire Help?

June 7, 2017 By Shane Ede 2 Comments

Running your own business, whether that’s in the form of a blog, or consultancy, or any other form of business can be draining. As the owner, you’re the first employee.  You’re also the only employee in some cases. It’s stressful, hectic, and tiring. It’s not for the weak. As your hustle grows, however, you might begin to feel a little burnout. It’s not necessarily because you have lost the passion for the business, but just that the work is starting to overcome your ability to stay awake. Starting your business is the first hurdle you must overcome. Knowing when you should hire help is the second.

Should you Hire Help?

When Should You Hire Help?
When should you Hire Help?

The answer to this question will likely haunt you for a while until you come to a decision. If you hire too early, you might struggle to pay the help, or have to pay yourself less than you are.  Or you might find that you don’t have as much work as you thought you did, and lose the help due to lack of work. Hire them too late, and you end up playing catch up to try and keep the pace.

If it’s such a hard decision, how do you decide?  I think you have to seriously consider a few questions.

  1. Can you afford help? Seriously consider whether your company has the resources to pay for the help. If it doesn’t, it’s time to take a very serious look at the methods you’re using for your company, and if there are ways you can improve the business in order to fund this expansion. Don’t be afraid to look for someone to help part time, or to try out a virtual assistant to help with smaller tasks that you can offload.
  2. What sort of help do you need? Before you really get down to finding someone to help, you have to know what it is that you need help with. What are your strengths that you must keep doing for the business?  Keep doing those. If you’re the face of the company, you’ve got to keep doing the PR work. Find the things that you don’t like doing, or that take you away from the strong work of the company and hire help to do those things.

Where can you hire help?

If you’ve answered those questions, you’re well on your way to hiring help for your burgeoning empire. Now, it’s up to you to find the help. Where you look will depend on what it is that you need help doing. Depending on the area you live in, there might even be local help that you can find. Local can be a great place to look for an accountant, for example. Accountant help is probably something that you’d rather have local anyways.

But, if you’re just looking for a little part time help writing content or scheduling social media, there are plenty of places that you can look. Check out online exchanges like Upwork or TextBroker.  You can find any number of freelance workers there who will work in a very temporary manner but that can also be more long term if you desire. Fiverr can be a great source of help for simple one-off projects.  If you’re looking for design work, someplace like 99Designs might be a good place. If you’re lucky enough to just be looking for some help with managing growth, maybe all you need is a business consultant.

Find Referrals when you Hire Help

Another great place to look is in professional groups on Facebook. Look around for groups that are for entrepreneurs, business owners, or that are related to your trade. Join them, and participate, as they can be a great source of knowledge for you.  They can also be a great source of help. If you’re looking for something in particular, you can usually post and ask for referrals for someone who does what you want to have done.  It’s a great way to find someone who has done that work before and done it well enough to earn a referral from another business owner.  And there’s a pretty good chance that the person who you are referred to is a small business owner as well.

Yes, owning a business can be hectic. Yes, it can be stressful. And, yes, it can mean working more hours than you’ve ever worked before. But, it can also be immensely rewarding and freeing. You’re doing your work, your way. And people are paying you to do it.  What could be better?

Don’t be afraid to hire help for your business, but make sure that you’re doing it the right way. Don’t rush to hire someone, but, similarly, don’t wait too long either. It’s your company, run with it. Enjoy it.  And hire help when you decide it’s necessary.

Filed Under: Business Finance Tagged With: business, enterprise, entrepreneur, entrepreneurship, self-employed

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