Tuesday, June 3, 2014

Money Monday-Week 6/Insurance

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Source I couldn't find a DR insurance meme, but this made me giggle.

I've heard it's the most dreaded and boring lesson of FPU and the one people are likely to skip.  I guess I'm a total weirdo because I was almost jumping for joy to get to this lesson.  It's probably because both our life insurance and health insurance are now through the military and those will be gone by the first of July.  I had always gotten both through my work or the Hub's prior to this so this so going out in the market to look at both is kind of definitely terrifying.

This lesson included a lot of details but I am going to try and break it down quickly-

Life Insurance-
Go with term and whatever you do stay away from whole life or anything similar.  Yes you are putting money into a savings account but if you have a 250,000.00 whole life policy with 35,000.00 in your 'account' and you die tomorrow your spouse, kids, parents, etc. only get that 250,000.00  where does your savings go?  Back to the whole life insurance agency.  Whole life insurance is also a lot more expensive, you can pay 125.00+ a month compared to 20.00-30.00 with a term policy-and your family get's the same amount if you die today.

Health Insurance-
Get some!  Seriously, what if you were to get into a wreck tomorrow?  How long would it take for those medical bills to ruin all the hard work you have put into getting out of debt?  I worked in an ER for 2 years doing registration so let me give you a little insight-it won't take long at all.  One bad wreck, an ambulance ride, a surgery or two, and a short hospital stay can easily put you in the hospital for 100,000.00 grand or more.  A NICU baby can put you in for 500,000.00 easily and a micro-preemie can set you back even closer to the million mark.  It add's up fast folks and it's scary.  Dave talks about all kinds of health insurance in this lesson but he makes a point to recommend HSA.  They can be expensive and they more than likely have a high deductible but you can get them to where if you pay out a 5,000.00 deductible after that the insurance will pay 100% for your coverage.  You can also put that 5,000.00 into the HSA savings account and it is a tax deductible savings, if I remember correctly it will roll over to the next year as well.  Dave also talks about how a lot of the time a higher deductible means less monthly cost so do your research and decide for you what is worth it.  Remember to think about how healthy your family is, how often do you go to the doctor?  Do you have ongoing needs?  Weigh your options and decide what's best for you and your family.

Auto Insurance-
 Again, get some!  Do you have enough money to replace your car if you got into a wreck?  What about the other persons car if you were found at fault?  What about the other persons medical bills, especially if there were anything those above?  If you answered no to any of these questions you need to get some car insurance!  Do your research, look at the deductibles, premiums, and what they pay out in different circumstances.  Just like with health insurance a lot of the time the higher the deductible the lower the monthly cost.

Home Owner's/Renter's insurance-
Just like with auto insurance you need to think about what you would do if a fire, flood, tornado, etc. were to happen and you lost everything.  Do you have enough savings to cover paying out for everything with cash?  I know I don't!  Even if you are renting you still have to worry about your things, your landlords insurance does not cover your belongings.

What about all the extra's and froo-froos?
They aren't worth it.  Cancer insurance?  It's covered by your health insurance.  Accidental death insurance?  Your life insurance still pays out if you die by accident.  The list could go on...

If you are in the market for insurance you can talk to one of Dave's ELP's and they can help you figure out what you need and which company would be the best to go with.  Oh, that reminds me.  Dave also recommends talking to someone who doesn't work for a specific company and instead finds the best company for you.

Saturday, May 31, 2014

Gigi's Chicken Salad

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One of the meals I mentioned in my 2 Chickens-5 Meals video was chicken salad.  Now I have to admit, as a kid I hated chicken salad. I don't know what it was, probably because it had 'crunchies' in it and I was convinced that meant onions.  But last year when I was pregnant with Atlas I actually craved the stuff.  Not just any chicken salad though, but my Gigi's chicken salad.  I ate it on sandwiches, on crackers, or even by itself.  I loved the stuff, and haven't been able to look back since.



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Gigi's Chicken Salad

Chicken (about 3 breasts or 1/2 a chicken, shredded or diced)
Apple (1, chopped)
Pickles (1, chopped)
Boiled Eggs (3, chopped)
Miracle Whip (1/2 Cup)

***If you want to make this recipe a little lighter you can substitute 1/4 of the miracle whip for some chicken broth*****

Either mix ingredients by hand or in a food processor and enjoy.


Wednesday, May 28, 2014

Moving Phase 1-Check: THIS IS REALLY HAPPENING

Yesterday we sent our sweet furbabies off on an airplane adventure.  My daddy is picking them up in just a few hours.  My parents will keep Paisley and my grandparents will keep Yeva for the month or so before we head back to Texas ourselves.  We had to send them ahead of us because of the Texas heat, if we had waited until we left to sent them it would have probably been to hot for them to fly and they would have had to be left here in Hawaii.  The Hubs and I laughed yesterday that we just spent over 1500.00 (between flights, kennels, vet fees, etc.) to get two animals to Texas that cost us less than 75.00 total for the two of them.  That's love.

Yesterday when I dropped them off neither would even look at me.  A friend of ours came and held onto Paisley for me while I dealt with Yeva and all the paperwork.  She cuddled up next to him just fine but would only roll her eyes at me.  I know they must have been scared and confused, just thinking we were abandoning them.  But hopefully they will forgive us when we get home.  Our friend comforted me by reminding me that it was either leave them now for a month or so or leave them next month forever.  He had a good point there.

This morning my house was awful quiet without the sound of Yeva begging for her breakfast and it really hit me that this move is real.  We are really going home.  I have less than a month to organize, declutter, pack, and prepare.  Oh, and we're still doing schoolwork in the midst of this, yikes!

I can do this and keep my sanity, right?  Needless to say prayers are appreciated ;)

Tuesday, May 27, 2014

2 Chickens-5 Meals




Some people have famine weeks, where they get creative with their meals in order to save money and clear out their pantry or freezer.  Well, over here we are having a famine month.  Here is how I am making two whole chickens (purchased at Safeway for .99/lb, making them about 6.50 each) last us for 5 meals.

How do you make your food stretch?  Do you have any creative solutions to using up what you have in your pantry in order to save on your groceries?

Monday, May 26, 2014

Money Monday


 

I have a special guest on my Money Monday this week, can you tell he has been crying?  From the coughing in the next room and the whimpering baby I've been holding all day I'm pretty sure I have a couple sick kids on my hands.  Looks like Monday is going to be a snuggles and movie day here at Ohana Farm.  

Saturday, May 24, 2014

Lavender

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Poor Little Bear has had a rough few months trying to get teeth in, it seemed like it lasted forever.  Starting in March he would chew on everything, covering every surface he was within five feet of in his unlimited supply of drool.  Then came the crying, then the whimpering in his sleep because of the pain.  It was so sad to see because there really isn't much you can do for him.  We gave him teething tablets, chew toys, and frozen wash rags.  The toys helped for a little while and the tablets a little longer, but they wore off a while before the 6 hour mark when you could give them to him again.

Fast forward to about two weeks ago when I was at an essential oil get together with my friend Tia, she had given me a sample of doTerra's Digestzen a month or so before when Atlas had a virus and it really helped so I was interested to check them out.  All us mom's were talking around her kitchen like mom's do and I had mentioned that Atlas was teething and it was horrible.  She asked if I had tried lavender eo on his gums, and that she had used it with her youngest daughter.  I told her no I hadn't, but I was willing to try!  He puckered at first when I rubbed it on because of the taste, but I promise within two minutes he was like a completely different child.  A few days later I was at another friends house who had the same brand of lavender eo and Atlas was being cranky so we tried it again to see if it was a fluke.  Nope, he still puckered but he was a happy baby very soon after.  I also found that both times it eased the pain for longer than the other methods did.

Teething is only one of the many uses for lavender eo.  I use it in my bath to relax, rub it on the kids feet at night to help them sleep, and mix it with coconut oil to help when Little Bear has a diaper rash. 

This essential oils thing has me intrigued.  DoTerra sells a kit called the Physicians Kit that I plan to order as soon as I pull together enough cash, it comes with ten or so bottles of oils and blends I think.  I'll keep y'all posted on what I think about them.

Friday, May 23, 2014

Frugal Friday: Thrifting with ThredUp

I've discovered the Holy Grail of frugal fashionista living, and I'm in love.  It incorporates two of my loves, internet shopping and thrift stores.  I spoke last week about how I am a spender, I just love shopping.  Thrift stores help me to do what I love, and still help us get out of debt.  They are lifesavers really.  But I also love internet shopping, because who doesn't want to sit in their pajamas, watching a movie with popcorn, and still get to purchase that cute outfit they've been dying to get their hands on.  Okay maybe I do have a problem but I digress...

I'm obviously not the only one who thinks these two things are the beez-neez, because someone had the bright idea to merge them together-and whoever that person is has my heart in the palm of their hand.  Ladies, I present to you ThredUp.  It's just like I said, a thrift store and an internet shopping experience merged into one. Umm...yay!

Can you guess what I did as soon as the first of the month came around?  Your assumptions are correct.....

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67.90, that's all I spent on the items in the above photo.  Three skirts, 5 tops, and a tunic.  Mostly name brand (Banana Republic, Gap, DownEast, Ann Taylor, etc.) and all in near perfect condition.  The shipping was fast, I got my items in less than a week, and because I spent over 50.00 it was free.  Even to Hawaii!  Even before I went over the 50.00 mark my shipping was only going to be 6.00, which is even better because shipping to Hawaii normally costs almost as much as my items.

You can even send in your own gently used items for cash or credit towards your next ThredUp purchase (that's one amenity they do not offer to Hawaii though), to get even more bang for your buck.  Must I say it again, I'm in love?

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And just as a cherry on top of an already awesome cake, how cute is there packaging?!  Seriously, you should check it out.

***This is not a paid endorsement, just passing along an awesome find from one frugal mama to another ;)