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The Coupon Crate
Tips and Tricks
- Avoid shopping at the peak times such as right after work (5-7 PM) and weekends. Shopping during slow times will allow for you to look for the best deals and getting the best prices without becoming the object of basket-rage. This will also relieve the pressure of hearing everyone grunt and sigh when you pull out those coupons. You absolutely should use your couponing expertise, but why make it harder on yourself?
- If you are only running in for a couple items, forget the cart. I was always so guilty of this one. For some reason, empty carts beg to be filled. But usually this causes your filled wallet to empty.
- Eat before you go grocery shopping. When you're shopping hungry... do I really need to go on? I'm certain everyone at some point has come home with bags and bags of snacks and ingredients for things you can make NOW. And don't think that the store offering hot to-go items is unintentional. Being hungry and smelling food increase impulse shopping!
read more... on The Coupon Crate
Cutting Grocery Costs without Cutting Nutrition
Simple, healthy, and affordable ways to weather the rising price of food
by Karen Collins, R.D., American Institute of Cancer Research
Grocery prices are projected to increase again in 2008 – that’s following 2007’s highest annual increase in 17 years. But surviving these tough economic times doesn’t have to mean sacrificing good nutrition. Some simple strategies can help you cut food costs and eat more healthfully, too.
To get started, look over several weeks worth of grocery receipts and see where you spend the most money. Changes here will likely offer the most savings. Meat is often one of the largest grocery expenses. Save money by adding a couple of bean-based, meatless meals each week. It’s easy:
read more...
The Top 10 Pet-Owner Mistakes
Avoid common errors, and keep your four-legged pal healthy and well-behaved.
By Ashley Tate
Mistake 1: Buying a Pet Spontaneously. Why this is a mistake: That doggie in the window may be darling, but he might not be the right fit for your family or lifestyle.
How to avoid it: Fully inform yourself before you bring home a pet. Every dog or cat has its own needs, some of which are specific to the breed. Terriers tend to dig; Abyssinians explore and climb. If there's a breed that interests you, read up on it (try the website of the American Kennel Club, at akc.org, or the Cat Fanciers Association, at cfainc.org), talk to owners, and get to know someone else's Border collie or Persian.
read more...
10 Tips for Improving Your Family's Eating Habits
With today’s busy lifestyles, families don’t always eat as healthfully as we would like. But by practicing healthy eating habits at home, you can make it easier for your family to eat right. Try these 10 tips designed to encourage healthy eating habits:
1. Be a good food role model. Telling children to eat nutritious foods is one thing — showing them is better. If you offer nutritious foods regularly — and if they see you eating them — your children likely will learn to like them.
2. Serve a variety of fruits and vegetables daily. In addition to bananas and apples, try something new like kiwi or papaya. Add vegetables to stir fries or casseroles.
3. Schedule a snack time and stick to it. Space snacks at least two to three hours before a meal.
4. Involve kids in meal planning and preparation. Children often will eat foods they help plan and prepare.
read more...
Basic Legal Recommendations for Women
by Michele Howe
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According to Toledo attorney, Stephen Pennington, there are some fundamental legal concerns that every woman should understand, plan, and prepare for in order to best protect her financial assets in lieu of a possible divorce, death of a spouse, or for simple common sense financial survival. It is noteworthy that each of the potentially troubling monetary difficulties cited below arrives at a time when a woman is simultaneously coping with personal loss and pain, thus underscoring the need to take preparatory measures well in advance such major life events (upsets). For every woman who does prepare, there are countless more who do not and who pay the price both financially and emotionally.
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read more...
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Partnership for Prescription Assistance Program
Phone: 1-888-4PPA-NOW (1-888-477-2669).
Partnership for Prescription Assistance brings together America's pharmaceutical
companies, doctors, other health care providers, patient advocacy organizations
and community groups to help qualifying patients who lack prescription coverage
get the medicines they need through the public or private program that's right
for them. Many will get them free or nearly free.
Programs:
• Help for Those in Need: Many
people have difficulty affording health care, including prescription medicines.
A number of patient assistance programs provide help to patients who lack
prescription drug coverage and earn less than 200% of the federal poverty level
(approximately $19,000 for an individual or $32,000 for a family of
three).(Qualifications vary by programs. Income levels vary by state.)
• Access to the Medicines They Need:
Patients will be directed to the public or private programs most likely to meet
their needs. The Partnership for Prescription Assistance helps qualifying
patients without prescription coverage
Enroll in more than 475 patient assistance programs, Access more than 2,500
medicines, Learn how to contact government programs for which they may qualify,
such as Medicaid, Medicare, or the State Children's Health Insurance Program.
read
more...
Discount card programs are independent organizations that have negotiated volume
discounts for prescription medications. Most cover all drugs, but have
relationships with particular pharmacies. Discounts vary by card, so please read
through each programs material carefully to determine if a discount would be
beneficial.
RxAssist
Patient assistance programs are run by pharmaceutical companies to provide free
medications to people who cannot afford to buy their medicine.
read more...
RxHope
RxHope is exactly what its name implies... a helping hand to people in need in
obtaining critical medications that they would normally have trouble affording.
read more...
NeedyMeds
NeedyMeds is a non-profit organization with the mission of helping people who
cannot afford medicine or healthcare costs. The information at NeedyMeds is
available anonymously and free of charge.
read more...
eSun Patient
Card
This program is available to everyone, not just for seniors. Annual membership
fee of $20 per family per year will apply. Membership includes the prescription
discount card.
read more...
FreeDrugCard.us
This FREE DRUG CARD program is being sponsored by a non-profit organization to
help all Americans cut their prescription drug costs. Simply download your FREE
Prescription Drug Cards and receive savings of up to 75% at more than 54,000
national and regional pharmacies. Please enter your name and e-mail address in
the box below and we will generate a printable membership card for you. This
card is pre-activated and can be used immediately. This Prescription Card is not
Insurance!
read more...
PS Card
PS Card negotiates volume cash discounts with local pharmacies, including both
national chains and neighborhood stores, to save you up to 50% on all
prescription drugs. We pass all of these savings on to you and the pharmacy pays
PS Card a small referral fee. If you are uninsured or taking a drug that is not
covered by your health plan PS Card will save you up to 50%.
read more...
YourRxCard
This free prescription drug card program is being produced to help all Americans
cut their prescription drug costs.
read more...
Federally Funded Health Centers
U.S. Department of Health and Human Services
Health Resources and Services Administration HRSA
Federally-funded health centers care for you, even if you have no health
insurance. You pay what you can afford, based on your income. Health centers
provide:
• Complete care when you're pregnant
• Immunizations and checkups for your children
• Checkups when you're well
• Treatment when you're sick
• Dental care and prescription drugs for your family
• Mental health and substance abuse care if you need
it
Health centers are in most cities and many rural areas. Type in your address and
click the 'Find Health Centers' button to find health centers near you.
read more...
AmeriPlan
AmeriPlan - the largest discounted fee-for-services program of its type in the
country. The track record of success in providing access to affordable
supplemental healthcare speaks for itself.
• 30,000+ Dental Providers
• 7,500+ Chiropractic Providers
• 50,000+ Retail Pharmacies
• 12,000+ Optical Providers
•
Provider Search
Are
your child's shots up-to-date?
Here are the latest vaccine recommendations from the American Academy of
Pediatrics and other medical groups, along with the ages (or age ranges) for
when each shot or series of shots is to be given. For example, the polio vaccine
is to be given four times — at 2 months, 4 months, 6 to 18 months and 4 to 6
years. The yellow indicates that children in certain high-risk groups may
benefit from additional vaccinations. If your child or teen has missed any
shots, check with your doctor about getting back on track.
read more...
Co-Pay programs are public non-profit organizations that provide financial
assistance for certain healthcare costs to patients who qualify financially and
medically.
Kidney Fund
Mission: With help from AKF, dialysis patients are able to maintain their health
insurance coverage. AKF also provides assistance with expenses that insurance
will not cover, such as transportation to dialysis, medications, special diet,
kidney donor expenses and other treatment essentials. AKF's specialty programs
help patients afford treatment during emergency travel and recover from natural
disasters.
Phone: 1-800-638-8299
read more...
Association
of Community Cancer Centers
Mission: ACCC is the national multidisciplinary organization that focuses on
enhancing, promoting, and protecting the entire continuum of quality cancer care
for our patients and our communities.
Phone: 301-984-9496
read more...
CancerCare
Mission: CancerCare is a national nonprofit organization that provides free,
professional support services to anyone affected by cancer: people with cancer,
caregivers, children, loved ones, and the bereaved. CancerCare programs .
including counseling, education, financial assistance and practical help . are
provided by trained oncology social workers and are completely free of charge.
Phone: 800-813-4673
read more...
Candlelighters Childhood Cancer Foundation
Mission: Our mission is to provide information and awareness for children and
adolescents with cancer and their families, to advocate for their needs, and to
support research so every child survives and leads a long and healthy life.
Phone: 800-366-2223
read more...
Chai
Lifeline
Mission: Chai Lifeline is a not for profit organization
dedicated to helping children suffering from serious illness as well as their
family members. We offer a comprehensive range of services to address the
multiple needs of patients, parents, and siblings.
Phone: 212.465.1300
read more...
Chronic Disease
Fund, Inc. (CDF)
Mission: CDF's focus is to provide assistance to those under-insured patients
who are diagnosed with chronic or life altering diseases that require the use of
expensive, specialty therapeutics.
Phone: (877) YOUR-CDF
read more...
Geriatric Services of America
Mission: Help Chronic Respiratory Disease Patients by providing Education,
Support, Equipment, and Life-saving Medications quickly and directly to the
Patients home.
Phone: 1-800-307-8048
read more...
HealthWell Foundation
Mission: The HealthWell Foundation addresses the needs of
individuals who cannot afford their insurance copayments, premiums, coinsurance,
or other out-of-pocket health care costs.
Phone: 1-800-675-8416
read more...
Hunterdon County Medication Access Partnership (HCMAP)
Mission: HCMAP connects concerned individuals, congregations, businesses and
government organizations to increase awareness and access to affordable
prescription medication for Hunterdon County Residents in need.
Phone: 609-897-2866
Email: mark.peters@bms.com
International
Oncology Network
Mission: To keep affordable medications within patients' reach, many of ION's
pharmaceutical partners offer Patient Assistance Programs to provide free or
discounted medications to people who may not be able to afford their needed
medications.
Phone: 410-385-2900
read more...
Leukemia and
Lymphoma Society
Mission: The Leukemia & Lymphoma Society is the world's largest voluntary health
organization dedicated to funding blood cancer research, education and patient
services. The Society's mission: Cure leukemia, lymphoma, Hodgkin's disease and
myeloma, and improve the quality of life of patients and their families. Since
its founding in 1949, the Society has invested more than $550.8 million for
research specifically targeting blood cancers.
read more...
MEDBANK of
Maryland, Inc.
Mission: MEDBANK is a non-profit organization dedicated to accessing free
prescription drugs for low-income, chronically ill Marylanders.
Phone: 1-877-435-7755
read more...
National
Children's Cancer Society
Mission: The mission of The National Children's Cancer Society is to improve the
quality of life for children with cancer and their families by providing
financial and in-kind assistance, advocacy, support services and education.
Phone: 314.241.1600
read more...
National
Organization for Rare Disorders
Mission: The National Organization for Rare Disorders (NORD), a 501(c)3
organization, is a unique federation of voluntary health organizations dedicated
to helping people with rare "orphan" diseases and assisting the organizations
that serve them. NORD is committed to the identification, treatment, and cure of
rare disorders through programs of education, advocacy, research, and service.
Phone: (203) 744-0100
read more...
Needy Meds
Mission: NeedyMeds is a 501(3)(c) non-profit with the mission of helping people
who cannot afford medicine or healthcare costs. The information at NeedyMeds is
available anonymously and free of charge.
read more...
Patient
Advocate Foundation Co-Pay Relief
Mission: Patient Advocate Foundation's Co-Pay Relief (CPR) Program provides
direct co-payment assistance for pharmaceutical products to insured Americans
who financially and medically qualify.
Phone: (800) 532-5274
read more...
Patient Services
Incorporated
Mission: Patient Services Incorporated (PSI) is a non-profit organization
primarily dedicated to providing health insurance premium assistance, pharmacy
co-payment assistance and co-payment waiver assistance for persons with specific
expensive chronic illnesses.
Phone: 800-366-7741
read more...
The
Center for Medicare Advocacy
Mission: The Center for Medicare Advocacy, Inc. is a national non-profit,
non-partisan organization that provides education, advocacy, and legal
assistance to help elders and people with disabilities obtain Medicare and
necessary health care. The Center was established in 1986. We focus on the needs
of Medicare beneficiaries, people with chronic conditions, and those in need of
long-term care. The organization is involved in writing, education, and advocacy
activities of importance to Medicare beneficiaries nationwide. The Center's
central office is in Connecticut, with offices in Washington, DC and throughout
the country.
Phone: (860) 456-7790
read more...
• Join the SingleMom.com forums. Share your tips, resources and experience with other single moms
|
9 Cash-Saving Tips That Pay Big Bucks
complaintsboard.com
The expression "a penny saved is a penny earned" doesn't cut it these days. But saving a few dollars here and there can add up...
read
more...
Try out these Thanksgiving recipes from tasteofhome
You May Have Too Much Debt But You Also Have Options
How Life Works
If you feel like you're in over your head with personal debt, you're not alone. Millions of Americans have become overextended, many as a result of easy credit and the recessions. Credit cards, medical bills, personal loans and raising interest rates do not make a good financial mix.
read more...
Suze Orman's Recession Rescue Plan - helps you survive in times of financial crisis
OPRAH.com
Do you know what your family would do if you lost your job - or worse, your home? Financial expert Suze Orman is ready to help you
devise a recession rescue plan to survive - and possibly thrive - during this deepening financial crisis...
read more...
Could fat babies mean fat toddlers?
A new study from Harvard Medical School found that babies who gained weight quickly had a sharply higher risk of obesity. The study
followed close to 600 babies and found those in the top quarter of weight for their length at 6 months had a 40 percent higher risk of
obesity by age 3 than smaller babies.
read
more...
The 10-Ingredient Shopping Trip
By Tara Parker-Pope and Mark Bittman
... In his latest “How to Cook Everything” segment on the Today Show, New York Times food writer Mark Bittman makes it
surprisingly easy to cook a week’s worth of dinners with just a 10-ingredient shopping trip.
read
more...
Finding last-minute tuition money
There's still time to find funds for this semester's college tuition. But you'll have to move quickly.
By Gerri Willis
It's only a couple of weeks or even days until school begins. And if you don't think you'll be able to get a handle on your college
tuition bill, here with your guide to last minute money.
read more...
Short-term Payday Loans
econ4u.org
...Which are more expensive, late fees or short-term loans?...
A short-term payday loan can be a better option than overdraft fees, reconnect fees, late payment fees or a damaged credit rating when
the loan is repaid promptly. However, these loans are not suited for longer repayment periods...
Being realistic about budgeting can help avoid the need for short-term borrowing.
read more...
Your Just-in-Case Emergency Plan
by RealSimple
Who do you call if you can't make it home in time to meet the kids' bus? Who do
you trust to take in your mail when you're on vacation? Who do you trust with
the extra set of keys to your house?
read
more...
How to save $10,000 in 2009
By Liz Pulliam Weston
If you were hoping for a list of small tweaks you could make in your spending to save $10,000 a year, sorry. The reality is that
$10,000 is a lot of money. And saving big money usually means making big changes in the areas where we spend the most, such as:
Housing, Transportation, Food.
read
more...
The Super, Sexy, Single Mom on a Budget
by Renee Rayles
A quick reference guide designed for the busy, single mom who has
little time to read while running the mom taxi, cooking dinner, helping with homework, and trying to fit in a date night every now and
then.
32 and Counting? Finding Your Happily Ever After Today
by Gi Gi
The author talks about the struggles a single mom goes through and the discovery that you can have HEAT (Happily Ever After Today) just
as you are, being single, taking care of your kids...
read more...
Single Mothers &
Male Role-Models / Mentors
Single mothers carry an enormous load of responsibility, especially those having sole and/or primary custody of minor children. They
nourish, they nurture, they teach, they discipline, they shelter, they protect, and they provide… all without the assistance of another
equally-invested adult.
read more...
Your 5-minute guide to protecting your identity
20 steps to protect yourself from identity theft, and seven ways to clean up things if you become a victim.
read more...
TheOnlineMom.com offers parents and consumers a guide to the top-rated, age-appropriate, kid-tested and parent-approved tech toys and gifts.
read more...
Diary of a Wimpy Kid: The Last Straw
by Jeff Kinney
For those wondering why tween boys don’t read very much, the answer is that more books aren’t like this...
read more...
Stressed mothers may raise fat children
Youngsters seek escape from family problems in unhealthy food
Millions of poor children in the United States may be getting fat before
age 10 because their mothers are stressed out and the youngsters seek
escape in unhealthy comfort food...
read more...
 Make extra cash from Google!!!
Miss Manners
Minimalism is the cutting edge now. My decorator calls it Dorm Chic. Wait, you'll see, everyone will have this look in a year or two. And then maybe I'll go out and get myself some overstuffed chairs." ...
read more
10 Bad Habits That Lead to Debt Disaster
Little things add up fast. Learn from these mistakes and try these tips to start paying off your debt.
Sometimes the only way to stop a snowballing problem is to go back to the top of the hill and find out what started it. If you're up to your eyeballs in credit card debt, take a step back and recount your money missteps. Knowing your weaknesses could help prevent you from falling back into the bad-credit pit and show you a way out.
read more...
7 Secrets to Raising a Happy Child
What Makes a Child Happy?
We all want the same things for our kids. We want them to grow up to love and be loved, to follow their dreams, to find success. Mostly, though, we want them to be happy. But just how much control do we have over our children's happiness? My son, Jake, now 7, has been a rather somber child since birth, while my 5-year-old, Sophie, is perennially sunny. Jake wakes up grumpy. Always has. Sophie, on the other hand, greets every day with a smile. Evident from infancy, their temperaments come, at least in part, from their genes. But that doesn't mean their ultimate happiness is predetermined, assures Bob Murray, PhD, author of Raising an Optimistic Child: A Proven Plan for Depression-Proofing Young Children -- for Life (McGraw-Hill).
read more...
Do You Want To Know How Your Nanny Is Doing Her Job?
Sources by Amanda Bach
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As we review some of the useful website each month, I want to introduce to you this new website HowsMyNanny.com - this website service started in the Fall of 2006 by Jill Starishevsk, a nine-year veteran of a District Attorney’s Office in New York City who works in the Child Abuse and Sex Crimes Bureau. While she was on maternity leave of her second child, she started this wonderful website. It is a service that provides license plates for strollers with a unique identifying number on them so if your nanny is out and about and does something bad to the baby or something praiseworthy, a passerby can get a message to the parent via the internet. HowsMyNanny.com has received a great deal of press including Good Morning America, CNN, The BBC and Fox News National. Please spread the words about this as the more people who know about the site, the more likely a mom or dad is to receive a report if there is a problem.
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read more...
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