Wednesday, November 20th, 2013
Take the screener survey to see if you qualify to sign up for Pinecone Research. Pinecone Research is a company that pays you to take surveys. If you qualify and sign up, you will get paid $3 for each survey that you do. You can cash out via Paypal and there is no minimum to cash out. (In other words, as soon as you have $3 you can get it!)
I’ve been a Pinecone Research user for several years and love them. I’ve done various survey companies and Pinecone by far is the best. I like that you qualify for every single survey they send you, unlike many survey companies. Each survey takes me approximately 10 to 15 minutes to complete. In addition, sometimes Pinecone will send you full size products to review and then take a survey about. I’ve gotten some pretty neat things by doing that!
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Friday, September 28th, 2012
I’m pretty suspicious that because of the money saving nature of this blog, some of you have the impression that I am some kind of superwoman who just always does things incredibly frugal. I’m also suspicious that some of you think that I never waste or blow money. That’s one of the down sides of only knowing someone online. You don’t see everything about them. And so, just to keep things real around here, I thought I’d share five un-frugal things I did in the last week- which cost me around $12 all told. (And yes, I’m sure there were more but these were the five that came to mind immediately.)
- Let 1 lb. mushrooms, 1 1/2 bunches celery, and 1 c. crushed pineapple spoil.
- Missed return date for Children’s Place shirt that didn’t fit my son.
- I had a whole 45 days to take it back but somehow never got it done.
- Missed out on doing multiple moneymaking Venus razor deals at CVS
- I was really sad because I love Venus razors. For some reason I assumed that the deal was limited to 1 per customer and it was not.
- Bought ice cream, brought it home and promptly forgot about it for 45 min. No, we aren’t fond of ice cream soup. Nor of thawed and refrozen ice cream.
- Used my dryer multiple times instead of hanging laundry out just because I didn’t feel like taking the time to do it.
Rest assured, I’m not superwoman and I never will be. And I’m okay with that.
Sometimes it’s easy to be hard on ourselves and feel like we need to do it all. But really, it’s okay. We can’t do it all and wewill mess up sometimes. I think it’s important that we extend grace and give ourselves space to not always do things perfectly- especially in this thing of trying to save money. Yes, it’s a good thing to save, but life will not end if we sometimes “waste” $12!
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Friday, September 14th, 2012
**ALWAYS check with your doctor before making any alterations to your medications.**
If you take any prescription medication whatsoever, you know that prescription drugs can really make a dent in your wallet, even if you have insurance. While working as a certified pharmacy technician for 11 years, I learned quite a few ways to save money on prescriptions medications. Here are a few of my top tips.
1. Use generic where possible.
Generics are usually amazingly cheaper than their brand counterparts. There are many reasons for this and I won’t bother boring you with them.
Worried that the generic won’t be as effective? The actual drug is the same in both the generic and brand medication so the only thing that is different is the “filler” product. Ninety-nine percent of the time people notice no difference. Assuming your doctor okays it, I suggest that you always fill your prescriptions with the generic medication.
2. Ask for a less expensive alternative- whether you have insurance or not
If you have insurance, your insurance company decides which drugs they will cover and for what price. Some drugs are considered non-formulary, which means that you have to pay more for them. So if you go to the pharmacy and your co-pay is $60 and you usually only pay $20 for a prescription, ask the pharmacy technician if there is an alternative that may be cheaper. Or you could even call your prescription plan and ask them what other drugs in that category are covered for $20.
Obviously, any changes have to be approved by your doctor, and sometimes the doctor thinks it is best to stick with the more expensive medication. But if at all possible, try a less expensive alternative.
3. Ask your doctor for drug coupons, vouchers, and free samples
Drug reps are constantly trying to gain sales for their company and as part of that they drop off vouchers, coupons and samples at doctor’s offices. The thing is, often the doctors forget they have them. So, just kindly ask…it won’t hurt anything. And the worst thing that can happen to you is you are told no!
4. Check with the drug manufacturer for savings programs and coupons/vouchers – usually only available for brand name medications
If you take a brand name medication, especially if there is no generic alternative, call the manufacturer and ask if they have any patient assistance programs or can give you any coupons or savings vouchers. Nine times out of ten they’ll be able to at least offer you a one time savings coupon, most of which are good even if you do have insurance.
A couple of years ago I was checking to see what kind of savings I could get for a friend who takes Carbatrol, a seizure medication. Because they don’t have health insurance, she typically spent several thousand a year on this drug. I discovered that Shire, the company that makes Carbatrol, has a program available that would cover the entire cost of the drug for my friend!
5. Find out if a 90 day supply will save you money
If you have insurance and your plan allows you to get a three month supply of medication at one time, you can often save money by doing so. For instance, some insurances give a steeper discount for a three month supply. Some will actually allow you to get three months worth of medication for the price of two. And if you don’t have insurance, generally the more medication you get at a time, the cheaper it is per pill/unit.
6. If you don’t have insurance, shop around
Prescription drug prices vary greatly from pharmacy to pharmacy and from medication to medication. Just because your usual pharmacy is the cheapest around on the blood pressure medication you take, does not mean it will be cheaper on the asthma medication the doctor just prescribed you.
Please do note though, if you use multiple pharmacies, it is VERY important that you keep a list of all the medications that you currently take with you and show it to the pharmacist every time you get a prescription filled. This is the only way they will be able to catch any drug interactions.
7. Ask if your pharmacy price matches
This one is for those of you that don’t have insurance. Many pharmacies will price match another drug store’s price if you simply ask them to. Even though they may lose a little bit of money, they figure it will pay them in the long run to keep your business.
How do you save money on prescriptions? Please feel free to leave a comment!
Disclaimer: All content on this Web site, including medical opinion and any other health-related information, is for informational purposes only and should not be considered to be a specific diagnosis or treatment plan for any individual situation. Use of this site and the information contained herein does not create a doctor-patient relationship. Always seek the direct advice of your own doctor in connection with any questions or issues you may have regarding your own health or the health of others.
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Thursday, June 21st, 2012
Several weeks ago I mentioned that I had received money from Endorse and encouraged you to sign up too. A reader then asked if I could explain Endorse since she was interested but wanted to make sure she understood it before she signed up. I hesitated to do a post on Endorse because right now they have paused the program to roll out a new (and supposedly improved) version. But because I was so impressed with the beta Endorse version and because I have high hopes that the new version will be just as good I thought I would try to shed a little light on how Endorse works.
I can’t speak for the new Endorse, but the beta Endorse was such an easy way to make a little bit of money on the items I already was planning to purchase. In the few months that I used Endorse I made around $35! And that was simply by doing my usual shopping.
Let me try to explain Endorse. With Endorse you get 10% to 100% cash back for purchasing various items…the new Endorse looks like it might work a bit more like Saving Star. Here’s how I understand it to work. Keep in mind that it hasn’t launched yet so I can’t say for sure that all my information is totally correct!
1. Before you go shopping you’ll load offers selected for you to your account.
2. After you shop you’ll take a picture of your receipt and log what you purchased.
3. Then you wait for the cash back to be deposited into your account and when it is, you are that much richer.
The one thing I’m not sure about and haven’t been able to get an answer on from Endorse is whether this new program will only be available to Smartphone users. It appears that this might be the case and if so I’m extremely disappointed because it means those of us that are trying to cut costs and live more simply by not having a Smartphone won’t be able to be a part of this great way to save!
If you are interested in being a part of Endorse when they relaunch, sign up now as the new Endorse will be an invitation only program.
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