FREE National Parks Pass for All 4th Graders and their Families - "Every Kid Outdoors"

Did you know every 4th Grader can get a FREE National Parks Pass? I found out about the program when our not-so-little one went into the 4th Grade and we were able to take advantage of it. Signing up is incredibly easy through the “Every Kid Outdoors” Website - once you’re signed up make sure to bring your printed confirmation with you and your 4th grader to a National Park and the ranger there will finish the sign up process and give you National Parks Pass that’s good for the whole year (Sept 1st-Aug 31st of the school year your child is in 4th grade). If you’re a homeschool family this program also works if your child is homeschooled and in the equivalent of 4th grade.

We personally used it to go to Acadia National Park (our favorite place) in Maine and Saint-Gaudens National Park in New Hampshire. Maybe when our next child is in 4th grade we’ll get a little more adventurous and get to a National Park out west.

If you're planning on checking out several National Parks during the year, you might want to pick up a National Park Journal (affiliate link) so your kids can document the journey and adventures! Happy Exploring!

Note: This is not a sponsored post, I’m just sharing my experience with this program when we did it. Please see Every Kid Outdoors’ website for details as they may change.

Secondhand September

Did you know it’s Secondhand September?

We’re personally huge fans of consigning and shopping secondhand - in fact everything I’m wearing today is secondhand and name brand (blouse and jeans are Ann Taylor and the leather mocs are M.Gemi, which is a fancy Italian luxury brand I could never afford new). Right now I’m putting together a bag of winter consignments to bring to M&C Clothing and Gifts in Amherst, NH, one of our favorite consignment shops.

We love consigning because the money we earn from reselling our items can be spent at the consignment shops we use for new-to-us clothing and other items - it’s like trading up what we don’t want anymore for what we do. Reduce-Reuse-Recycle.

If you’ve been thinking of giving consignment shopping/selling a try, check out my past blog post where I share some tips on the process:

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The Biggest Money-Saving, Eco-Friendly Change We've Made During Quarantine

Being home 24/7 and trying to limit grocery trips and ordering really makes you evaluate how quickly you’re going through supplies in your home. With two little kids, paper products were something we were blowing through and made me wonder how we could change this for the better. | This post is not sponsored but does contain affiliate links |

Now when I say "paper products" in this post I'm talking about paper towels and paper napkins. To greatly reduce our usage of these things we made the switch to reusable "unpaper" towels and aren't looking back.
(And before you ask... yes, reusable toilet paper/wipes do exist too - but that's not for us, though if the toilet paper shortage continues who knows...).

“Unpaper” towels are cloths that you can use like paper towels but wash and reuse for a long time. You could really use just about any kind of cloth - wash cloths, tea towels, cloth napkins, pieces of flannel, etc. Hopefully you have something around the house already that you can use, but if you don’t and decide to purchase some we’ve found them to be worth the investment. For the price of a large package of throw-away paper towels, you can purchase of set of reusable ones that will last you a very, very long time and will eventually pay for themselves.

We thought about just using our current dishtowels but we use them regularly already for dishes and big spills (which happen a lot with two small kids). We were primarily looking for something smaller that would function like a paper towel and also wouldn’t fill our washing machine quickly (something else to consider), which is why we settled on these modestly-sized, organic bamboo cloths.

Some people will roll them on a paper towel holder and use them in place of ALL paper towels, completely eliminating paper towels in their home. For our household we decided to fold them and place them in a basket on our counter, next to our roll of paper towels. That way we’d be constantly reminded to grab a cloth instead of a paper towel whenever we had to wipe a dirty face or sticky fingers, but we’d still have paper towels at the ready if we really needed them. I even hung a little note over the paper towel holder to remind us to use less of them.

Since starting this system we’ve cut down on our paper towel usage big time. This has saved us money on our grocery bill and we feel like we’ve made a positive long-term change that’s more eco-friendly.

Cleaning Unpaper Towels: I hung a small mesh laundry bag on the doorknob of our laundry closet, which is conveniently right off the kitchen, to toss the used unpaper towels in to be washed. Whenever I start a load of laundry, I just throw the mesh bag in with the rest of the washing. You could also easily hang a mesh bag or small basket on the inside of a cupboard door with a Command Hook too if that is a more convenient spot.

Hopefully I’ve inspired you to find a reusable, money-saving solution to something in your home like we have found unpaper towels to be for us.

This post is not sponsored but contains my personal opinion as well as affiliate links.

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Related posts:

• Cloth Face Mask Organization and Storage

• How We Turned a Coat Closet into a Functional, Organized Pantry (Perfect for storing extra groceries during the pandemic)

• General Emergency Preparedness Tips and Ideas

• Remote Learning + Homeschooling: Tips and Supplies

• Preparing to Homeschool

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My Recipe for "Quarantine Chili"

Yesterday I decided to make what I’m going to call “Quarantine Chili.” Now what is the recipe for Quarantine Chili you might ask? Well pretty much you take whatever fresh veggies or meat you have in your fridge that you worry may go to waste soon and throw them into a big crock pot of chili before they go bad. Waste not, want not!

Now for my chili I started with my typical chili “base”:

• 2 cans of tomato sauce

• 1 can of red beans (rinsed and drained)

• 1 can of garbanzo beans (rinsed and drained)

• 1 can of lentils (rinsed and drained)

• 2 tablespoons chili powder

• 1-2 teaspoons of jarred garlic

• 1 teaspoon of turmeric

• 1 teaspoon of Italian seasoning

To that I then added all the things I wanted to use up - this will vary depending on what you have in your fridge:

• 1 lb of cooked ground lamb (lamb is definitely an unusual choice for chili. I had originally planned to make lamb stuffed peppers with it, but by using it in chili I am able to stretch it farther and get more meals out of it… And surprisingly lamb in chili is just fine! I was worried it would taste weird but it’s still great)

• a lot of carrots (we had a bag of carrots that have been in the fridge for awhile and were close to being done. I wanted to use them up and not go to waste so I added them to the chili… it was definitely heavy on the carrots but I’m glad we used them up)

• handfuls of spinach (we have a big container of spinach that will be getting wet and smelly soon… better use some of it up!)

• green pepper (the ones I was originally going to make the stuffed lamb peppers with)

• a large onion (that one has been hanging out on the counter for awhile…)

Then combine all ingredients in a large Crock Pot and put on high for several hours until it’s cooked through and ready. We’ll be eating this for dinner for two nights and then I will portion out and freeze the rest to eat later.

Definitely be aware of what you’re using - you don’t want to use any ingredients are actually spoiling (very bad idea!) - but by using up what good ingredients you have by making a healthy, hearty chili you will not let your precious groceries go to waste and will make something nutritious to feed your family during this time.

Stay healthy friends!

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Related Posts:

• A Message of Hope Facing the Unknowns of Coronavirus

• Remote Learning + Homeschooling Tips and Supplies

• Preparing for the Novel Coronavirus

• Emergency Preparedness Ideas and Planning Tips

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Money Saving Tips for Back-to-School

Sending the kids back to school usually means shelling out a lot of money on school supplies, clothes, and more.  Here are some of my tips on how NOT to go broke this fall.  | This post contains affiliate links | 

Invest in a Good, Basic Backpack and Lunchbox

Question:  How many parents buy their kids new backpacks and lunchboxes every single year? 
Answer:  Wayyyy too many! 

There's really no reason to shell out money that often on items that can can stand the test of time if you pick them right. I highly suggest NOT picking a character or crazy pattern backpack or lunchbox. Kids' tastes change from year to year (and sometimes week to week), and if you pick themed or cheaply made items they will not last. Our general guideline is upgrading backpacks once every "big transition" in school - so one backpack to last kindergarten through elementary school, a new one to last through middle school, and then finally a new one for high school. We love solid-color backpacks from high-quality companies like LL Bean - you just know they're going to last and never go out of style. (Pro-tip: check out the Outlets to get great, name-brand backpacks for less!)

Consignment Shop for Back-to-School Clothes

If you've been following the blog for any amount of time now, you know I'm a big fan of consignment selling and shopping.  It's a great way to get rid of any clothes or shoes your kids might have outgrown or refuse to wear and make some money back to use on gently used, name-brand "new" items.  That way you're essentially "trading up" for new clothes, and spend a lot less out of pocket. 
{You can read more on my Consignment Selling and Shopping Tips HERE}

Buy Snacks in Bulk and/or Store Brand

If you pack your child's snacks and lunches the cost can definitely can add up over time.  One way to save is to buy in bulk whenever possible.  If you can buy prepackaged snacks in larger quantities the price-per-item is a lot lower.  Buying store brand items over name brand is another great way to save.  

Reusable Water Bottle

Juice boxes are expensive (and arguably unhealthy), so having your child take a reusable water bottle to school saves a lot of money and also helps keep their sugar intake in-check.

Reuse Last Year's School Supplies

A lot of times the school supply list will include things like a set of binders, markers, glue, a pencil case, etc.  Many times there's no reason to repurchase these things - they can often be reused from year-to-year.  Empty out the old papers from last years binders and reuse those.  And the makers, crayons, glue sticks, etc?  They likely have plenty of life left - no need to buy more just yet!  

Coupon and Rebate Apps

And of course, a great way to save if you need to buy items is to use coupons or rebates whenever you can. We really love Coupons.com for printing coupons and the rebate app Ibotta for earning money back on purchases. At the beginning of the school year, coupons and rebates on back-to-school items are usually plentiful, but make sure to only buy what you really need!

New Year, New Resolutions to Save Money

New Year means time for new Resolutions.  Usually they boil down to a lot of the same things, and a big one for us is always saving more where we can.  Every year everything gets more expensive - groceries, gas, clothes, healthcare, etc but our paychecks always seem to stay the same.  
I decided to compile some of my best blog posts on saving money and I hope it will help you jumpstart your savings too!  

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Saving on Groceries

Our 9 Favorite Money Saving Apps

Saving Money on Groceries - Rural Edition

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Budgeting

Creating and Maintaining a Monthly Budget

Making it Work on One Income

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Saving on Health Insurance & Medical Bills

How to Save on Health Insurance & Medical Bills

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Clean House, Make Money

5 Tips to Make the Most Money from Consigning Clothes and Household Items

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Save on Special Events

Easy Ways we Saved THOUSANDS on our Dream Wedding

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How to Save on your Health Insurance and Medical Bills

As a self-employed family, we have to buy our health insurance ourselves out-of-pocket.  Premiums and deductibles have been skyrocketing over the last few years and we've been working hard to make the most of our health plan and save where we can but it's still hard.  I thought I'd share some of things we've learned buying insurance and paying medical bills ourselves over the years.  Most of these tips relate to families buying insurance out-of-pocket, but a lot of tips would also benefit those that get insurance through their employer.  
| These tips relate to what we've learned in our own experience - please consult your insurance broker, accountant, etc for the best information regarding your own situation |

Shop Around for Insurance

If you're buying insurance yourself (not through your employer) these days, you're pretty much limited to only getting insurance through the Healthcare Marketplace as most insurance carriers have gotten rid of their individual plans and rolled them into the Marketplace Exchange.  
While shopping for a plan on the Marketplace, you can compare premiums, deductibles, and coverage but make sure you are VERY thorough.  At first glance it may seem you have a lot of options, but many times plans are not widely accepted at doctors and hospitals.  Once you find a plan you think will work for you, check with both the Marketplace as well as the insurance company directly to make sure the plan is accepted at all your family's doctors, specialists, and area hospitals.  The last thing you want to happen is to head to the ER for a broken ankle and find out afterwards that your insurance won't even touch that bill.  Depending on your family size and income, you may also qualify for a discount on the cost of your premiums through the Marketplace.  

Consider the High Deductible

If your family has no chronic medical issues, is healthy (knock-on-wood), and you're not planning on having a baby or surgery in the coming year it may be advantageous to go for the sky-high deductible.  Yes, this could be risky as you never know when something may come up, but if nothing major comes up you can save a lot on your monthly premiums.  

Pay Your Monthly Premium on Your Credit Card (if possible)

If you can't purchase your insurance pre-tax through an employer, see about using your credit card to pay for your monthly premiums.  Not all insurance carriers will let you pay your premium on your credit card, but if they will let you - do it!  Most credit cards have cash back rewards or bonuses for using your card, so you might as well take advantage of it.  My credit card offers 1% cash back, so I earn about $55 back on my premiums each year - it's not much but it's better than nothing, and I know there are cards out there that have much better rewards than mine.  
*Obviously only pay your premiums on your credit card if you're good about paying that amount off in full every month - you do not want to go into credit card debit over your health insurance premium.  

Health Savings Account (HSA)

A Health Savings Account (HSA) is a savings account that's designated for medical expenses only.  Ideally you deposit into the account pre-tax and this money can grow and be saved for future medical bills.  This is especially useful if you have a high deductible because then you'll have pre-tax money set aside to help pay for anything that may come up.  Many HSAs have monthly fees though, so it's important to do your homework and talk with your accountant to see if an HSA is right in your situation.  

Take Advantage of Preventive Care

All preventive care (annual exam, most basic blood work and vaccines, many basic screenings) are covered in full under Health Care Reform.  Don't be fooled - these aren't really free (you're already paying for them with your high monthly premiums and deductibles), but it's true that you don't have to pay anything more out of pocket for them.  Since they're included in your health plan, make sure to keep up-to-date on all your preventive care and stay healthy - this will hopefully keep expensive health issues from possibly surprising you later on.  

Know the Membership Perks of Your Health Plan

A lot of health plans have perks that might not come up when you look at your plan details - make sure to search these out and take advantage of them.  These perks can be things like discounts at athletic stores or on prescription eye glasses, gym membership or race fee reimbursements, healthy eating incentives, and more.  Take note of what's available to you and use them when you can.  

Shop Around for Non-Emergent Care

In the event you need a diagnostic test or minor procedure done, shop around for the best price for your insurance.  Prices for things like blood work and x-rays can vary wildly among doctor offices, hospitals, etc so it's important to do your homework.  

Shop Around for Prescriptions

What you'll pay out-of-pocket on your prescription medications can also vary greatly from pharmacy to pharmacy.  If you have a prescription, make sure to call around to your area pharmacies and ask them to run a price check of your medication against your insurance (you'll need to give them your insurance info, and they'll probably have to call you back with the answer).  Also, check with your insurance to see if they have a Mail-Away program - typically you send in a written prescription and they will fill your RX for three months at a time at a discount.  

Always Check EOBs and Medical Bills Before You Pay

After you see your doctor, you will get an EOB (Explanation of Benefits) in the mail or available to you online.  Double check these to make sure your visit and anything that was done was billed appropriately.  For example - if you had a problem visit and then a follow-up visit a week later, the follow-up visit should be billed as a lower-level (cheaper) visit as long as nothing new was addressed at the appointment.  If you feel as though something was billed incorrectly, call your doctor's office and ask them to review the claim and resubmit if necessary.  

Also, sometimes things that should be covered by insurance aren't, often due to human or computer error when the claim is processed - and you may get a bill from your doctor/hospital for it.  If you ever have a question on why something wasn't covered or wasn't covered as much as you thought it should have been, it's definitely worth your time to call and question it.  

Ask for a Prompt Payment Discount on Medical Bills

Once you get a bill from your doctor or hospital, call and ask if they have a prompt payment or cash discount if the bill is paid in full.  Most places will offer you a discount (it varies, but we've seen discounts range from 5-35%) if you pay your bill in full within 30 days.  If you can afford to pay the bill now and take advantage of the discount it's definitely worth it!  

Payment Plan or Payment Forgiveness for Larger Bills

If you get a bill that you're not able to pay in full or if they do not offer a prompt payment discount, ask to be put on the minimum payment plan.  As long as the doctor/hospital does not charge interest, you might as well take your time paying the bill and not put undue stress on yourself.  
And as a last resort - if you have an extenuating circumstance and cannot pay your bill or make a payment plan work, many places will work with you to forgive some or all of your bill.  Speak with their billing department for more information on this - but be prepared to provide all your personal financial information (assets, personal savings, records, etc) to prove financial/personal hardship.  

Great Record Keeping

Finally, keep great records throughout the year - record all premiums you paid out-of-pocket, all copays, medical and dental bills, prescriptions, and all mileage to appointments.  At the end of the year your accountant can help you wade through all the information and determine what you will be able to claim as a tax deduction - but the more information you have to give him, the more you will potentially be able to write off so keeping great records is key.  

I hope these tips will help you and your family save money on your health insurance and medical bills.  If you have any other tips to share, I would love to hear them!  

Please note:  These tips relate to what we've learned in our own experience, please consult your insurance broker, accountant, etc for the best information regarding your own situation.  Use the information in this post at your own discretion and risk.  

Plaid Friday Sale - All Weekend Long!

We're celebrating Plaid Friday, Small Business Saturday, and Cyber Monday all weekend long!  Enjoy 20% off everything in our Etsy shop through midnight Monday with the coupon code "20PLAID".

Quantities are limited at the moment, so shop sooner than later.  Thank you all again for your support and shopping small!

Coupon code expires 11/28/15 at 11:59 PM EST.  

And don't forget - starting this year we will be donating a percentage of our year-end profits to charity, so you can feel good about your purchase.