money saving tips

How To Save Money on Everyday Essentials

May 6, 2020 by Rachel 23 Comments

This post is sponsored by Optum Perks but the content and opinions expressed here are my own.

It’s hard to believe that I have been “laid off” from my job for going on 7 weeks now. The job that, over the years, became my happy place — has been missing from my life for nearly two months. As things have changed rather dramatically for all of us, I’m finding new and inventive ways to pinch pennies.

Saving Money on Essentials Can Be Easy

I made a lot of changes in these last 7 weeks. Surprisingly, most of them were incredibly easy! Here’s what my family is doing to cut down on our every day expenses.

Shop at discount grocery retailers.

Going to the grocery store is unavoidable. For my family, we are making far fewer trips than before — but we’ve also made the decision to use grocers that offer off-brand or discounted groceries like ALDI and Save-a-Lot. We still are getting the same quality fresh foods, produce, and non-perishables, but we’re doing so at a much lower cost.

Cancelling Unnecessary Subscriptions.

There was a time when we had a cable TV subscription, Netflix, Hulu, and Amazon Prime. Honestly, we’ve never had that much time to watch TV. So we have trimmed up our TV subscription services by cancelling our live-television services and picking one of the online streaming services.

This can go for many types of subscriptions like a grocery delivery service, music streaming service, and even beauty boxes.

Using Optum Perks to Save on Prescription Refills.

Prescriptions are another ‘unavoidable’ cost, but there are brilliant ways of saving cash when it comes time to fill or refill! Savings reach up to 80% with no membership and no fees!+

Prescriptions saving is easy. You just search, find, and save without ever having to enter personal information or data in. Optum Perks can be used at over 64,000 pharmacies nationwide, including Walmart, Walgreens, and CVS. Once you find the prescription and pricing, you can decide if you’d like the free coupon to be delivered by text, email, or by printing it out.

These prescription coupons can be presented to your pharmacist whichever way is convenient for you. So whether you’re using the drive-thru or picking it up in-store, your pharmacy coupon will be honored. Truly. That’s it.

I’ve been really open about my struggles with mental health, particularly since having children. As many know, I’ve relied mostly on my Lexapro prescription for the last 5 years. Usually my refills cost upwards of $20. By using Optum Perks I’ve been able to fill it at the rate of $9.00! That’s an eleven dollar savings! While it may not seem like a lot, with a family of 5, every bit helps.

You can see for yourself by heading to Optum Perks today and finding out just how much you can be saving on the prescriptions you need for the whole family.

Putting Memberships on Hold.

If you look at the number of items that are auto-deducted from your account each month, what would you see? For me, it’s our family gym membership, zoo membership, and my auto-renew of my coffee card. While these memberships are handy and even affordable in times of employment, they can be detrimental to savings when going through financial hardship.

Most memberships will allow a ‘hold’ or ‘break’ for anywhere from one to 6-months. And it’s usually as simple as giving them a call or shooting their customer service team an email.

These Adjustments Do Not Have To Be Permanent

If there’s one thing that I’ve learned in these last couple of months it’s that I am capable of much more than I previously thought I was. I’m the same girl who would grab coffee from Starbucks before work almost every day. But I don’t have to be. In fact, I’m amazed at how these small changes I’ve made in our spending have had such a tremendous impact on not only our pocketbooks, but our overall psychological well-being.

But knowing that at least some of what I’m doing right now is just temporary certainly helps. I may not stay away from my beloved coffee forever, but I can tell you that I will never go back to paying full-price for my prescriptions.

+Prices are subject to change over time

Tell me — what will you do with all of the money you save using Optum Perks?

Learn From Home, Right Now with iD Tech Virtual Camps

April 3, 2020 by Rachel 29 Comments

This post is sponsored by iD Tech. All thoughts and opinions are my own.

Here in the United States, our lives have been completely upended in the last 30-ish days. We went from ‘business as usual’ to basically living, working, and schooling with just our immediate family.

This has created an unprecedented amount of struggle and stress for so many of my friends and family members. We are all learning how to live in our new-normal, and we’re basically doing this one day at a time.

Creating normal in times of crisis.

During this time, it’s really important to create some sort of normalcy for our children. Their lives have been upended just as much as ours, if not more. And we need to be ready to make some changes to keep them healthy, happy, learning, and thriving.

Homeschooling versus Crisis-Schooling

Most parents across the country have been thwarted into the new role of ‘teacher.’ For some, this may come easy. For others, like myself, this remains difficult.

Time and time again I’ve heard friends refer to this time in our lives as “crisis” schooling, not homeschooling. And it’s true. Educators, administrators, and parents across the country are now adapting to a totally new way of learning and teaching.

We’re doing our best, given the conditions. But our children are used to so much routine in their lives. They are used to seeing their friends. Our children are used to laughing and playing with people who aren’t their siblings. They’re used to being social creatures!

Enhancing their education and social experiences

My previous intentions for this upcoming Summer included sending Ari to several camps, including one at Case Western Reserve University for coding. But things have changed so quickly. I needed something to stimulate Ari’s learning now.

Virtual Tech Camps from iD Tech allow him to learn from home, right now.

iD Tech offers online courses to sharpen and develop tech skills from the comfort of our stay-home order! These specialty designed courses, aimed at children ranging in age from 7-19, are structured, week-long sessions, and are offered in various time zones. The small classes (max 5 students) are taught by adult instructors from top universities like Stanford, Caltech, and NYU!

Courses, which include everything from Python, Java, Minecraft, Roblox, AI, Unreal Engine, Adobe, and 3D modeling, are offered in both small group camp and online private lessons. iD Tech is here to help families that are suffering from being ‘cooped up’ by offering Online Private Lessons in which the student can invite a sibling or friend to join them for free! How cool is that?!

Our experience with iD Tech Virtual Classes has been amazing

I quickly signed Ari up for the Minecraft World Designer course. Like most kids his age, he has been a tad bit obsessed with videogames like Minecraft for a long time. However, this course is created to teach him actual coding to make his own worlds!

Virtual Camps from iD Tech - Learn from home, right now

His three fellow classmates and instructor meet every morning on a virtual ZOOM video chat to learn level design and problem-solving. This has been helpful in so many ways. Not only is he learning about something he’s passionate about, but he’s interacting with kids his age. The first morning after class he kept referring to them as his friends. I cannot tell you how awesome it is to have this connection during such a trying time.

The week-long course stretches out in spans of 2-hours of classwork and two-hours of self-paced learning (without the ZOOM call and instructor). Not only is he building skills which will benefit him in the long term, but he’s engaging in something constructive — and that’s something he can feel proud of at the end of the day.

Sign up today and receive a discount of $125 off of your registration!

Need a boredom-buster or more routine in your kids life? Registration is open for all of iD Tech’s Virtual Tech Classes right now — which means you can start as early as Monday! Sign up here and use code RACHEL125 to save.

PIN ME - Virtual Camps from iD Tech - Learn from home, right now

Tips to Tackle Sick Days with Johnson & Johnson

December 29, 2019 by Rachel 20 Comments

This post has been sponsored by Johnson & Johnson®. All thoughts and opinions are my own.

The holiday season can be stressful. Between school, work, holiday parties, and the normal winter “sickies,” the whole family is bound to come down with something. To keep the aches and pains away, our family uses Johnson & Johnson products like Children’s Motrin®, Benadryl®, and TYLENOL® when we aren’t feeling our best.

With three kids and two adults in the house, it’s hard to say that there’s ever a time when everyone feels “great.” It just doesn’t happen. But, I have a mission for the upcoming year—and that is to stay ahead of the sickness by keeping my family as healthy as possible.

cold medicine — Use products as directed.

Tips + Tricks to combat the ‘icky’ days.

Wash your hands

This should go without saying, I’m sure, but I’m obsessive about making sure my children wash their hands. Even if someone in your house feels ill, the best way to stop it from spreading is by frequent hand-washing.

Get adequate sleep

Another thing I’m obsessive about is sticking to my children’s regular bedtime. It’s easy to get swept away by a cozy late-night movie, but it does us zero favors when our children wake up cranky and more prone to illness.

Set a bedtime and stick to it. And if you can’t stick to a “hard” time, set a general “within this 90-minute window” timeframe.

USE JOHNSON & JOHNSON PRODUCTS TO HELP KEEP THE ACHES AWAY

My children and I all get “aches” when we are feeling even the slightest bit under the weather. In those moments, it’s important that we slow down and listen to our bodies. I trust Johnson & Johnson products to help make my family more comfortable in these tough moments. A little rest and a little Children’s Motrin® will help their little bodies feel better in no time.

I, on the other hand, prefer Extra Strength TYLENOL®Rapid Release Gels. I don’t have a lot of time to be “down,” especially while taking care of three icky-feeling kids. I also keep Benadryl® on hand to help with congestion and allergy symptoms.

Watch your food and drink

Coming out of the holiday season can be rough for all of us. It’s not unlikely that we all get sucked into patterns of eating that are abnormal for us. Take this time to make you’re on a regular meal schedule and you’re drinking plenty of fluids.

Our family drinks a lot of water, but maintaining a meal schedule has always been more difficult. I keep soup and crackers on hand just in case one of them is feeling under the weather. If I can’t get them to drink water, at least I know they can sip some bone broth or noodle soup to maintain hydration.

Don’t get in a bind

Keeping the “ickys” away can sometimes feel like a full-time job. Instead of running out to grab more Children’s Motrin® or Benadryl® in the middle of a crisis, stock up ahead of time on all of your go-to Johnson & Johnson products AND save money in the process.

From now until February 1st, 2020, get a $10 Reward with your next $30 purchase of participating Johnson & Johnson products. Keep your receipt and upload it online here to qualify.

Johnson & Johnson cold medicines — Use products as directed.

Tell me, which Johnson & Johnson products will you stock up on to receive that $10 reward?

Tips To Stay Healthy This Winter with Johnson and Johnson

Tips to Get Picky Eaters to Eat More Vegetables

December 12, 2019 by Rachel 27 Comments

This post is sponsored by CAULIPOWER Cauliflower Tortilla but the content and opinions expressed here are my own.

Before having kids I was convinced my children would have a sophisticated palette. I mean, Chad and I have always been adventurous eaters. We weren’t going to change our eating habits for our kids. Nope!

For all of the parents in the room, you can totally eye roll and laugh with me now. Because the parent I thought I would be and the parent that I actually am? Those are two totally different people.

As babies, all three of our kids would actually eat anything and everything! But as they group from toddlers to preschoolers, they decided they only wanted ‘kid’ things. So I got creative.

Picky Eaters Will Be Picky Eaters

We make our kids try bites of foods they “don’t like,” but it often ends there. In my experience, creating a battle for the full length of a meal can be exhausting and lead to few results. I, for one, recall endless fights with my parents over my refusal to eat what they had prepared. I also recall having won those battles several times. It’s a battle of wills. And, guys… kids can be really strong-willed.

Beyond making them try the “gross” foods, we then allow them to have an alternative. I realize that this isn’t always a viable option. Preparing separate meals for the kids versus the adults can be exhausting, too.

Other Options

The good news is this — you have other options!

Mix it in!

I’ve come to love the option of pureeing vegetables, like carrots, and adding it to whatever I’m preparing. Our macaroni and cheese isn’t just any mac and cheese. It has pureed veggies in it! (Mom hack: You can sneak it in the boxed kind, too!)

If you don’t have the option to puree your own veggies, you can find dehydrated powder at the store to mix in.

Get creative with alternatives!

CAULIPOWER Cauliflower Tortillas have been a game-changer for our family. Since we are always on the go, we eat a lot of quick and easy meals like tacos and quesadillas.

My kids cannot tell the difference between a traditional grain tortilla and these CAULIPOWER Cauliflower Tortillas. They are vegan and dairy-freeand are available in both Original and Grain Free versions. And the best part? The first ingredient is cauliflower!

I picked up three bags from our local grocers freezer or refrigerated section, where I scored $2 off with this coupon! It’s also nice to know that they’re better for me, too. CAULIPOWER Cauliflower Tortillas contain less fat, fewer calories, and more fiber than traditional tortillas.

If they like it, give it to them!

My three-year-old has been on a near-hunger strike lately if she doesn’t get exactly the food she wants. But the one vegetable that she has decided she likes is brocolli. Sometimes her request for broccoli comes at breakfast.

My gut reaction was to say “no, we don’t eat broccoli for breakfast,” but I decided that if she wants it at 7:00 am, she can have it. So if your child is clinging to one vegetable, let them have it!

The Good News

The good news, friends, is that we all go through this phase. I went through it, my sister went through it, my husband went through it, and I’m sure his siblings did, too.

But it’s just that — a phase! Keep offering new foods, keep introducing new vegetables, and stay creative.

And don’t forget to save $2 off CAULIPOWER Cauliflower Tortillas by clicking here.

Christmas, Credit, and Focusing on What’s Important this Holiday Season

December 9, 2019 by Rachel 30 Comments

Thank you CreditRepair.com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a lifestyle.

Being an adult, unfortunately, does not come with a handbook on how to “be.” I can’t speak for everyone, but I can tell you this — I’ve learned the hard way. With practically everything.

My personal credit journey.

I partially blame my struggles on the fact that I just didn’t understand privilege. I was a child of two very hard-working parents. We didn’t take lavish vacations, but we did take vacations. I recently recounted my childhood with a friend. We were talking about how we didn’t know how hard our parents worked and how lucky we were. We were happy to have had our vacations and to not want for anything, but we also didn’t realize the privilege that was afforded to us.

I’m not blaming that on my struggle. No, I created my problems. But I’ve made the mistake of not knowing my parents struggles twice now. I expected to just HAVE. Because that’s what you do. You work and you get, right? Well factor in a mountain of student loan debt (we’re talking Mount Everest) and a desire to fit in? And we have a problem.

The first time I rebuilt my credit on my own (with the guidance of my dad — thanks, Dad!). But fast-forward many years, a husband, and a child later, and it took a bit more help.

A cry for help.

The second time around I decided I truly needed help. I used CreditRepair.com to help me get my finances in order, get me back on track, and find a clear plan for the future. CreditRepair.com is a leading provider of credit report repair services in the United States. They are a team of credit professionals who educate and empower individuals to achieve the credit scores they deserve. I worked hard, made lifestyle changes, and made plans for my future. I knew I owed it to my growing family to repair my credit and create a better life.

The holiday spirit.

Part of my struggle with the holidays is the fact that EVERYONE wants to do something extravagant. But I’m beyond that. My number one rule is to NOT go into debt for the holidays. In the end, we’re all exchanging (likely or almost) equally priced treats for one another.

But at what expense? I don’t want my financial security to be ruined because I’m trying to keep up with superficial gift giving. We are all adults. When we want something we work, we save, and we purchase it. And if there’s something that you desperately want, you will get it.

I would rather see the joy on the faces of my children when we are able to take a fun vacation to the beach or go to an event with them. I would rather build memories than give superficial gifts. They will know love and they will know how much the holidays mean. But they will also know that it is more important to avoid financial disaster and avoid going into debt than to celebrate any holiday.

A quest for financial literacy.

Financial literacy should absolutely be a point of discussion in families, schools, and even work environments, but it isn’t. Until it is, we need to rely on outside resources. CreditRepair.com is there to help.

Your credit score is not written in stone, and you are more than a credit score. CreditRepair.com will help empower you to work on your credit score, enjoy your life, and make small lifestyle changes to help you achieve your dreams! But your credit won’t fix itself. Get help from CreditRepair.com today with a free consultation and kickstart your credit repair efforts.

Whatever you do this holiday season, please remember that no holiday ‘cheer’ is worth going into debt for. Let’s build our credit scores together with CreditRepair.com.

Getting your credit back on track with creditrepair.com

Amwell Urgent Care Services: Get Back to Your Routine Faster

December 4, 2019 by Rachel 36 Comments

Compensation was provided by Amwell via Momtrends. The opinions expressed herein are those of the author and are not indicative of the opinions of Amwell or Momtrends.

Tis the season! Not just for the holidays, but for sickness, too! Between the inclement weather, work and life commitments, and just general busy-ness of the season, there is basically zero time to get to the doctor for an office visit.

Thanks to technology, we don’t have to worry about leaving the house for Urgent Care visits. Amwell offers online and mobile urgent care visits. They make it easy to be seen by doctors in just minutes to help combat illnesses like pink eye or the stomach flu.

I’ve been using mobile doctors for the last couple of years. Sure, we see our primary care doctor and pediatrician regularly. However, sometimes it just isn’t possible. Last week I was suffering from a headache that I just couldn’t get rid of. At first I thought it was just a headache, but when the pain moved to my jaw, I knew I needed to act.

I took a break while I was at work and I downloaded the Amwell app on my phone. Within minutes, I was connected with a board certified physician. She helped determine that, yes, it was likely an infection. An antibiotic prescription was called into my pharmacy and I was good to go.

That was it.

Why use Amwell for Urgent Care Services?

An urgent care visit can be expensive. And, unfortunately, most Urgent Care clinics are not open 24/7. Amwell is available day or night, at home or on the go.

What can I be seen for?

You can be seen for things like Fevers, Colds & Flu, Allergies, Sinus Infections, Stomach Bugs, UTIs, Rashes, Pink Eye, and more. They will not see you for an emergent situation (seizures, chest pain, broken bones, etc).

What can I expect during an Amwell telehealth visit?

You’ll need to create an account and enter in some of your personal information like insurance and health history. You can do this on either your phone or computer.

Then you can browse available doctors, review their credentials, and choose your preferred pharmacy.

Next, your video visit will start. The doctor will review your symptoms and assess your condition and set into motion next steps.

Complimentary Care

It’s still important to establish care with a regularly visited physician. Amwell is great for Urgent Care situations, but they are not a replacement for in-person care nor are they emergency care doctors.

Save on Urgent Care

The cost of an Amwell visit is $69, but if you click here and use the code itsahero you’ll receive 50% off!

Getting sick care shouldn’t be stressful. Don’t let it slow you down. Use Amwell to get your health back on track while you stay focused on everything else.