Sunday, November 23, 2008

Medical Appointments

It's that time of year to make the most of your medical insurance. By now you have probably reached your deductible for the year. It starts all over again in January. So if you still need a flu shot, lab work, or your blood pressure checked, now is the time to make your appointment. The slots will fill up fast, as everyone else will be doing the same thing.

While it may be difficult to find the time during the holidays, it will serve your pocketbook well to find the time. Why pay more to get that "funny" spot checked on your face by waiting one more month? Need refills on prescriptions? Now is the time to get them. Most prescription plans start their deductibles over in January as well.

I just saved a bundle by going in for a mammogram. Something unusual was found and I ended up having two biopsies and then going to the hospital for surgery. Because I have already met my out of pocket for the year, it should cost me nothing. Luckily for me, all is well.

Here is hoping all is well with you too. Stay healthy in body, mind, and spirit, and in your pocketbook too!....Lisa

Saturday, November 8, 2008

Weather Proofing

It's that time of year when we want to stay home, cozy and warm cuddling in front of a fire. Making your home weatherproof helps to lower heating costs. Have you noticed any drafts coming in around door or windows? Caulk them. Your local Home Depot or Lowe's will be happy to give you tips on how to do this. If you have storm windows put them on. Drafts coming under the door? Place extra towels around the bottom.

Flannel sheets on the bed help keep you warm and cozy. If you have an electric blanket, save money by only using it to warm the bed up before crawling in. Wear socks to bed, it's a quick way to warm up. Or better yet cuddle up. If you don't have a special someone a dog or cat will do!

If you have a large house, only heat the rooms you use the most and close off the others. Use your fireplace for warmth as well as entertainment.

For large families, keep a large pot of soup going on the back burner. Your family will appreciate coming in from the cold to something warm and tasty, whether it's after building a snowman, or coming home from school.

It's a great time to try different teas, coffees, hot ciders or hot chocolate.

To warm up take a hot bubble bath instead of a very long shower. Use lots of lotion as your skin tends to get drier in winter.

Also try keeping your thermostat lower and wearing a sweater.

With the predicted rising heating costs this year, look out for your elderly neighbors. Too many times they are without heat because they can't afford it. So notice who your neighbors are and look out for each other. Have a happy, safe and affordable winter. Lisa :)