regarding ATMs: my bank doesn't charge me when I use my debit card at grocery stores or CVS to withdraw money. It's far cheaper for me to buy a tiny bag of chips, some mints, or a coke/water and withdraw 20-50 bucks than it is for me to use an out of network ATM (2.50 charge from *my* bank plus 1-3 dollar charge from the other bank). Better yet, if I can just remember to withdraw money when I'm grocery shopping, I'll always have cash on me.
if you're on any maintenance meds, see if your insurance offers mail-order meds... you can get 3-6 months worth of a med for *one* co-pay. I need to do this for my asthma and reflux meds because I pay 55/month for those in co-pays. It would be much cheaper to pay 55 every three months instead.
bulk foods are great. dry beans are CHEAP, so is rice. read the Sunday circulars for grocery stores, then shop the big big sales--which operate at a loss... even better when you have a coupon! this is how i stock up on canned veggies and beans.
we thought about the flexible spending account, but it's a use it or lose it situation... we'd rather not risk losing it. for set expenses (prescription meds, daycare, etc), it's a great option, but it's too much paperwork for us right now.
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timeasmymeasure
no subject
Date: 2003-11-11 04:29 pm (UTC)if you're on any maintenance meds, see if your insurance offers mail-order meds... you can get 3-6 months worth of a med for *one* co-pay. I need to do this for my asthma and reflux meds because I pay 55/month for those in co-pays. It would be much cheaper to pay 55 every three months instead.
bulk foods are great. dry beans are CHEAP, so is rice. read the Sunday circulars for grocery stores, then shop the big big sales--which operate at a loss... even better when you have a coupon! this is how i stock up on canned veggies and beans.
we thought about the flexible spending account, but it's a use it or lose it situation... we'd rather not risk losing it. for set expenses (prescription meds, daycare, etc), it's a great option, but it's too much paperwork for us right now.