Cooking.Com Deal – 10% Off + FREE Gift Valued At $34!

Cooking.Com Deal - 10% Off + FREE Gift Valued At $34!

Cooking.Com Deal – 10% Off + FREE Gift Valued At $34!

There is a great Cooking.com deal I wanted to share with you. First, get 10% off your order. Then, if you order $50 or more of select Rachel Ray Stoneware, get a EVOO dispensing bottle valued at $34. In case you are wondering, EVOO means, extra virgin olive oil!.

Use the Cooking.com coupon COOKSAV to get 10% off your order. When you add $50 of Rachel Ray Stoneware to your order, the EVOO bottle will automatically apply. This deal is good through December 19, 2014.

Let me break this down for you. You add $50 worth of product to your cart. The EVOO dispenser valued at $34 will appear as well. You get 10% off the $50. You are only paying $45 for $84 worth of product and most of the products are on sale too! It’s a great deal!

5 Tips to Save You Money on Health Insurance

5 Tips to Save You Money on Health Insurance

5 Tips to Save You Money on Health Insurance

There is a lot of talk out there about health insurance. It’s a complicated and expensive choice families have to make that really affects the budget. We have had our fair share of medical issues and dealing with health insurance companies so I thought I would share 5 tips to help you save money on health insurance.

One – Don’t just look at the premium amount. While your premium may be relatively inexpensive, your deductible could be extremely high, making your health insurance more of a major catastrophe plan. Let’s say you have a medical issue that requires surgery. Before surgery you have to pay $10k to the doctor and hospital before you can have the surgery. If you don’t have $10k to pay this deductible, this insurance is pretty much worthless to you. You will not be able to get the surgery you need because you don’t have the $10k making the premiums you did pay a big waste of money. If you know that you will use your insurance, choose a plan with a manageable deductible too.

Second – On the flip side, don’t pay for more than you need. If you are the type of person that only goes to the doctor once every 10 years to get a tetanus booster, then you will most likely be ok with a cheaper monthly premium and a higher deductible. Paying high premiums in your case is a waste of money.

Third – Ask the cash price. If you have a high deductible plan and you do have go to the doctor, ask what their cash price is. 90% of the time, it will be less expensive than if you were to use your insurance for that one visit. Example. My daughter needed an x-ray. They asked if we had insurance and I gave the lady my card and she asked for $124. For what ever reason, I thought to ask, “how much is it if I just pay out of pocket”. She responded, “$24.50″. You don’t have to ask which option I chose. It’s silly to pay those high prices for one visit.

Four – One size doesn’t fit all… even within a family. Did you know that a family can purchase 2 separate plans?  In my family, our oldest daughter and myself are the only ones that use our insurance.  I have chronic issues and our oldest daughter is special needs. We always know that the two of us will meet the deductible every year. Zack and the other three kids  a once per year physical and they are good. Des and I need a low deductible plan, but if the six of us were on the same plan, it would cost us $1300 per month. OUCH!  As our kids say, we used our “smarticle particles” and Zack and three kids are on one plan and I’m on another with our eldest. Totally different companies too. We shopped around. By doing this it saves our family $500 per month! That is a LOT of money!!

Five – Do the math. If you have small kids or have issues to where you know that you will using your insurance, a good bit,  look at what it will cost in the worst case scenario. Know EXACTLY what your medical cost would be for the entire year and then compare plans. Look at the cost of premiums (times 12 months) + out of pocket maximum = your total cost for the year.  For example,  if my premium is $20 per month and my out of pocket maximum is $500, then I know that my medical cost for that particular plan is $740.  Compare the plans this way. While a plan may seem good, when you break it down like this, you will see exactly what you would pay in the worse case. I call this the “cost per unit method”. Break it down just like you are shopping for paper towels or dish soap, lol.

Lastly, it’s also worth looking into a separate dental plan than what your health insurance offers. With my plan, it was $30 per month just for me. We shopped around and found a similar plan direct that was $300 per year for the whole family. Also, all six of us wear glasses and or contacts. We save a TON of money with VSP. I didn’t even know you could buy vision insurance until recently. So you might want to check that out too. Just another way to save!

After my years of dealing with insurance companies and shopping for the best deals, this is the some ways I have learned to save on health insurance. Please let us know if you have any questions. Good luck.

The Limited Deal – 60% Off Skirts, Jackets, and Dresses

The Limited Deal - 60% Off Skirts, Jackets, and Dresses

The Limited Deal – 60% Off Skirts, Jackets, and Dresses

The Limited is have 6 Days of Giving and today is Day 3. This deal from The Limited will get you 60% off regular priced skirts, jackets, and dresses when you shop through the think above.  To check out our compete list of The Limited Coupons visit our dedicated The Limited page.

If you need professional wear for work yet you are on a budget, this deal is for you. You can score pencil skirts for as little as $23.98! Just enter the The Limited promo code DAY3 at checkout to lock in your savings. You also get free shipping on orders of $125 or more.

This deal is good through December 10, 2014.

You can also score an extra 40% off sale tops and 50% off everything else that is full priced!

 

 

Razor A Kick Scooter Only $17 Shipped, Normally $27.99

Razor A Kick Scooter Only $17 Shipped

Razor A Kick Scooter Only $17 Shipped, Normally $27.99

I wish I would have seen this deal for the Razor A Kick Scooter for only $17 shipped before I bought my godson his gift. Oh, well…. I think he needs this too… It’s  within Auntie’s rights!

This is an Amazon deal and it’s a “Deal of the Day” so the price of $17 is good only through December 10, 2014. After that, it will go back to regular price. Just so you know that you are getting a good deal, it is $22.70 at Walmart and $34.99 at Target.

Shipping is free for Prime Members and with orders over $35.

3 Piece Body Suit Only $8.39 Shipped at The Children’s Place

3 piece body suit at The Children's Place3 Piece Body Suit Only $8.39 Shipped at The Children’s Place

If you have a small children of family members that have babies on the way, I have a deal for you. You can score a 3 pack of bodysuits for only $8.39 shipped at The Children’s Place. That’s only $2.80 each shipped.

We always have the latest Children’s Place coupon code on our dedicated The Children’s Place page and you can check those out there.

This deal is from The Children’s Place. These onesies are normally $24.95, but are in the clearance section for $11.99. I have a coupon that gets you an extra 30% off your entire purchase + free shipping and this includes clearance items.

To get this deal deal, just use the The Children’s Place promo code 30COUPON3 to get 30% off your entire purchase + free shipping. This deal is good through December 9, 2014.

Hurry, don’t miss out. They have a lot of great deals. Take your time and look around!

Forever 21 Deal – Extra 30% Off Sale + 10% Coupon

Sweater at Forever 21Forever 21 Deal – Extra 30% Off Sale + 10% Coupon

There is a HOT Forever 21 deal I wanted to share with you. Get an extra 30% off sale item + I have a coupon that get you an extra 10% off your order. SWEET! We always have the latest Forever 21 promo code on our dedicated Forever 21 page and you can check that page out by clicking the link above.

Forever 21 has an extra 30% off sale items. Then, enter the Forever 21 coupon 10EXHQG to get an additional 10% off your entire purchase. Click the link above to see all the items that are on sale. Once you add the item to the cart, the 30% off will be taken off at checkout. Don’t forget to enter the code for the extra 10% off.

This coupon is good through December 13th!

80 Piece Deluxe Art Set Only $11.97 Shipped

Get an 80 piece art set on Amazon for $11.97

80 Piece Deluxe Art Set Only $11.97 Shipped

Do you have an artist in your family? Fortunately the our kids took after Zack and not me! You can get this 80 piece deluxe art set for only $11.97.

It includes colored pencils, oil pastels, watercolor cakes, paintbrushes, and more. You will have supplies for drawing and painting. Includes wood case.

This is an Amazon deal and you get free 2 day shipping if you are a Prime Member and you get Super Saver Shipping for orders over $35. Remember as with any Amazon deal, prices can change at any time!