Category Archives: Holiday and Seasonal Finances

How to Save Money While Staying Healthier Through Cold and Flu Season

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Fall is the time of year known for vibrant colors, crisp weather, pumpkin patches, and spiced cider — but it’s also known as the beginning of cold and flu season.

Whether you blame it on the changing weather patterns, the lack of daylight, or spending more time in close quarters with other people, getting sick can impact not just your health, but your wallet. Between missed work and medical costs, sickness can get expensive very quickly.

1. Get More Paranoid About Germs

You don’t have to be a germaphobe, but basic things like washing your hands frequently (for a full 20 seconds) — and using hand sanitizers, provide a first line of defense against getting sick. It’s also wise to avoid touching your eyes, nose, or mouth throughout the day.

2. Consider a Seasonal Flu Shot

Many employers will offer or pay for flu shots for their employees, and if you have public health insurance, the Affordable Care Act requires providers to pay for the cost. Seniors with Medicare Part B can get free flu shots, as well.

Even out of pocket, you can usually find flu shots for $15 or less from retail-store pharmacies, school programs, and health department clinics.

3. Take Preventative Care to Boost Your Immune System

There are also many natural, low-cost ways to stay healthy during cold and flu season — without buying into pricey immune-boosting OTC products. The first tip is to eat a whole food-based diet, exercise regularly, avoid unnecessary stress, and get enough sleep. Secondly, be sure you’re getting enough of these key nutrients through the foods you eat:

  • Protein
  • Zinc
  • Vitamin C
  • Vitamin A

4. When You Get a Cold, Save Money with Generics and Natural Remedies

We all know there’s no cure for the common cold, but many home remedies and basic medications can help you deal with the symptoms and recover faster.

With medications, remember that the effective ingredients are what matters — not the brand name. Don’t hesitate to try the store brand of an antihistamine or decongestant. If you’re not sure whether there are generics for a name brand drug, check with a pharmacist.

Natural remedies can also provide effective relief at very little expense: try a neti pot to relieve and prevent sinus infections, herbal teas to boost your immunity, and salt water gargling to relieve a sore throat. Hot soup also works wonders.

Cold and flu season may be here, but it doesn’t mean your health or finances need to suffer. Use these tips to prevent sickness, reduce your medical costs, and save money even when you do succumb to the common cold.

Article Source: Jessica Sommerfield for moneyning.com

4 Ways to Save Money During Football Season

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If you love football, this is probably one of your favorite times of year. As fun as it is, it can also be expensive. Here are a few things you can do to enjoy yourself and save a few bucks.

Fund your football addiction. 

If you’re going to spend a lot of money during football season, try figuring out a way to raise some dough before the season starts. It might be too late for this year, but you can start planning ahead for next year right now. Having a yard sale next spring and summer could be a great way to raise some pocket cash for a ticket you want or that party you want to throw. Have an old guitar or piece of workout equipment you don’t use anymore? Sell it online and turn it into cash.

Go big or stay home.

We all love the big games, especially when our team is involved. When those weeks roll around, do it big but plan ahead! If you’re throwing a party, stock up ahead of time and see what you can buy on sale. If you’re going to the game, plan out an exciting tailgate and do it up right. When your team is in a less exciting matchup, watch your game – but keep it light and try not to spend any more cash than you would on a non-football Sunday.

Split season tickets.

Feel the need to be at the stadium as much as possible? Try splitting season tickets with a friend or family member. You can go to games together or divide the games and take other friends and family. Even that way, you’ll still get to see 3 or 4 games for a decent price.

Involve everyone in your party plans.

If you love to constantly have people over on game days, just make sure you’re not footing the bill every weekend. Make it a potluck and get your guests to all contribute to the spread. It’s a lot easier to have a great party week after week, if it’s not costing you hundreds each time.

Article Source: John Pettit for CUInsight

3 Simple Suggestions for a Budget-Friendly Halloween

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Think back to when you were a kid. What was your favorite thing about Halloween? Was it the costumes? The candy? The spooky decorations around your neighborhood? All the above? Now, think about your little ones. Which Halloween traditions excite them most? There’s a pretty good chance they love the same things you did.

That timeless trio of candy, decorations, and costumes account for more than 80% of Halloween spending. How much do people actually spend on Halloween? According to a National Retail Foundation survey, Americans spent an estimated $9.1 billion in 2017, and the number is expected to top $9 billion again in 2018.

From shopping for the newest costume to overspending on premium candy for trick-or-treaters, it’s easy to get caught up in the fright-filled fun and spend more than you intended. So, how do you give your little ones a Halloween filled with fantastic childhood memories without blowing up your budget in the process? We’ve got a few ideas.

By following these tips, you can save money on candy, decorations, and costumes and help your kids enjoy a Halloween that’s a little less trick and a lot more treat:

Candy

Based on the survey mentioned above, a whopping 95% of Americans plan to buy candy this Halloween. If you’re looking for easy ways to save, steer clear of the brand name selections and buy in bulk. If you’re trying to be that house, the one all the kids talk about because you’re the ones that give out the “good stuff,” be sure to scan local sales and be patient. Stores will often discount candy on Halloween morning. A little last-minute shopping can give you the chance to get more for your money.

Decorations

Hosting a Halloween party for neighborhood friends? Instead of rushing out to a specialty store and buying elaborate displays and mass-produced trinkets, add a personal touch by letting your kids design decorations of their own. Your children will love showing off their handiwork to all their guests! Need some suggestions to get your family’s creative juices flowing? The home decorating experts at HGTV can help you scare up a great idea!

Costumes 

When it comes to finding great deals on Halloween costumes for your children, thrift stores are your friend. If you shop early enough, many secondhand stores will have a selection of costumes that were only worn once or twice before the previous owners outgrew them. If you’re getting down to crunch time and you don’t have your kiddo’s costume figured out, Pinterest is a great place to find creative DIY ideas.

Now, before you get carried away with crazy ideas about how to spend all the money you saved this Halloween, remember, Halloween savings can help ease the financial stress of holiday shopping. That’s right – once Halloween is over, there are only 32 shopping days until Hanukkah and 54 shopping days until Christmas. Now, THAT is scary!

5 Ways to Slash Halloween Costume Costs

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October is not just about getting that pumpkin spice fix, but also finding the perfect Halloween costume.

According to the National Retail Federation Halloween survey, Americans are expected to spend $9 billion on the holiday. Because both adults and children celebrate Halloween, 8% of shoppers plan to buy costumes for a projected total of $3.2 billion.

Here are 5 ways you can avoid feeling haunted by sticker shock this Halloween season:

Expand your store options: Don’t just limit yourself to your standard go-to’s like Walmart, Target or Spirit of Halloween. Check out Walgreens, the dollar store, Party City, TJ Maxx, Marshalls, Kohls, warehouse stores like Costco, Sam’s or BJ’s, thrift shops and consignment stores. You may be surprised by the finds and discounts available.

Take a detour from the Halloween aisle: Sometimes finding a deal on kids’ costumes means exploring other areas of the store. You really do pay more for seasonal costumes set aside for Halloween. Try checking the toy aisle for dress up outfits or the kids sleepwear section for action hero or princess options with a cheaper price tag. If your kids are into sports, take a look at the athletic/active section of the store.

Explore online deals: Check online coupon offerings found on deal sites like RetailMeNot.com or Groupon.com.

Get creative: Why not get crafty this year and make your own costumes? Or, build an outfit around a staple piece like a wizard’s cloak (dust off that graduation cap and gown), a cape or a mask. Let your imagination run wild. Maybe you could put your own twist on a popular character, superhero or villain. Just make sure your ambition doesn’t lead to spending more money (or time), to bring your vision to life.

Timing is everything: Either buy your costumes early on or just before Halloween to find the best bargains. If you don’t mind having your options limited to whatever is left, then wait until the last minute for deals on the Halloween items retailers want to move. The BEST time to buy costumes and decorations is actually AFTER Halloween. Hitting the stores November 1 will land you savings of anywhere from 50% to 75% off – perfect for next year!

Article Source: Myriam DiGiovanni for Financialfeed.com

 

3 Easy Ways to Save Money this Fall

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You probably spent a decent amount of money this summer on vacations and just having fun in general. Then you had to spend money on all kinds of things so your kids were ready to go back to school. The sad part? The holidays aren’t too far off. If you need a few easy ways to save money this fall, here are 3 ideas that may help you.

Keep your systems off: You’ve probably been keeping your house frosty during these hot summer months. Now that it’s starting to cool down slightly, it’s a good time to think about shutting it off before the cold weather arrives. If you can wait until closer to November to turn your heater on, you can probably save a few hundred dollars. That’ll come in handy on Black Friday!

Stop going out so much: In the summer, it’s fun to spend time and money doing fun things outdoors. Now that it’s cooling off, take advantage. Instead of dining out, break out that crock pot, make a big batch of chili, and enjoy a hot bowl on a cool evening. Haven’t been using that gym membership you bought back in January? Cancel it, and go for a run or a bike ride in the great outdoors. It’s finally cool enough that you won’t melt.

Unsubscribe: Is your inbox full of promotional emails? As the holidays will be right around the corner before you know it, it may be a good idea to unsubscribe to some unnecessary ones. Sure, you might need some gift ideas for family, but you also may be tempted to buy a few discounted items for yourself. If you need help with unsubscribes, check out Unroll.Me.

Preparing ahead now, will have you ready to go and saving a bit before the most expensive time of year hits shortly!

Article Source: John Pettit for CUinsight.com

4 Tricks for Fall Road Trips on a Budget

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Fall is the perfect time for a road trip. The leaves are changing and there’s so much beautiful scenery to take in. Before you hit the road, take a hard look at your budget and plan accordingly. Here are 4 tips to consider for your autumn road trip that can save you some money before the pricey holiday season.

Get a tune up.
Before you take off on your road trip, be sure your vehicle is in tip-top shape. Getting a legitimate tune up and inflating your tires to the proper pressure will ensure you’re riding in a safe car. It will also help prevent you from making costly repairs to your vehicle down the road.

Stock up.
We all know eating out can cost a ton, but so can simple snacks purchased at convenience stores. If you pack a cooler with your favorite food and drinks, you can skip those frequent stops at fast food chains and gas station markets. Then, you can save up for more enjoyable meals when you reach your destination.

Go mobile and save on gas.
Over 70 million people have downloaded the GasBuddy app, which helps travelers locate gas stations near them, and most importantly the ones carrying the cheapest gas. When mapping out your trip, plan in advance to fuel up at these more economical gas stops. This will help you budget ahead of time and give you a better idea of how much extra spending money will be left over.

Book outside the box.
Can you think of the last time you spent less than $100 on a hotel room? The key to saving on accommodations is to think outside the box and step out of your comfort zone. Couchsurfing.com connects travelers with local hosts and can give you the opportunity to stay for free (and safely), at the home of someone in the area. Or if you don’t like the idea of staying in someone’s house, compare hotel prices within your destination city by using a site like trivago.com, trip advisor, or kayak.

Article Source: Wendy Moody for CUInsight.com