Are Stanley Tumblers Worth It? My Honest Opinion

I finally did it… I jumped on the Stanley Tumbler bandwagon. The 40oz Stanley Tumbler cups are the “it” accessory at the moment and seen everywhere. But the big question is, are they worth it? In my opinion, yes… and no. Let me explain. | This post is not sponsored but contains affiliate links and an honest opinion of products |

| 40oz Stanley Tumbler in "Flint" |

First, I’ll share the reasons why I think you should *not* get one:

• You already have a straw tumbler. So many of us already have another brand tumbler and we really don’t need another one just because this style is popular at the moment. If your current tumbler is doing it’s job just fine then don’t bother jumping on this bandwagon and save your money.

• It’s HEAVY. Really heavy. At 40oz when this tumbler is full it is super heavy - it’s really not practical to carry around all day like you see those influencers on Instagram doing.

Now why I think you *should* get one:

• You're in need of a straw tumbler. I actually was in need to upgrade my old tumbler. My old straw tumbler was 10(!) years old and not insulated... I was tired of it leaving condensation marks on our coffee table and it never kept my water cold for long.
• You like your beverages cold (or hot). While I haven't tried my new Stanley Tumbler with hot beverages yet, I'm very impressed how it keeps things cold super long. I'll take a sip of water the next morning and it's still nice and cold from the day before!
• You keep your beverage at your desk or in your car. The large size isn't an issue if you tend to leave your cup in the same place for long periods of time. I typically leave my tumbler on the kitchen counter or on the coffee table and constantly sip it throughout the day so the large size wasn't a problem for me. This cup also fits nicely in our car's cupholders.
• You're trying to increase your water consumption. If you're looking drink more water, this large cup definitely helps get it done.

Overall - I am happy I jumped on the Stanley Tumbler bandwagon. I don't condone buying the "it" thing everytime if you don't need it, but if you are actually in need of a straw tumbler I have been very happy with my Stanley one.

Easy Bike Helmet Storage DIY

After getting sick of our family’s bike helmets constantly tumbling around the garage I thought it was high time we figure out a solution to keeping them corralled and within easy reach. The best part? It cost me nothing since I already had the hardware and scrap wood kicking around. | This post contains affiliate links |

This is the before…. the helmets usually got strewn about on our lumber rack because the shelves were too high for the kids to reach and it was a convenient spot by the back door. I could have made a low coat hook type rack for the helmets to hang from, but since the shelves and the wood rack are in the way all the available studs were blocked/used and I didn’t have anything to anchor into. So - I had to get creative. I decided to cut down some 1x3 scrap wood and anchor them from the bottom of the shelves to act as the back piece to the rack.

After cutting down the scraps and pre-drilling through the top of the wooden shelves, I simply screwed the back boards right into shelf from the top down.

After that, it was a simple matter of screwing in small hooks from which to hang the helmets from. I had a bunch of these small coat hooks left over from previous projects and they were perfect for this job. (I love these coat hooks because they're cheap and come in a big pack - great for adding random hooks around the house for keys, accessories, etc.)

The helmet rack has been working wonderfully and is a great, practical addition to our garage!

| Reflective Stickers we added to our helmets - these are also great for adding additional visibility to backpacks, jackets, bikes, gear, etc. |

Favorite Find: Reflective Stickers for Gear and Fabric

Just wanted to hop on here and share my latest favorite Amazon Find - just in time for back to school too. | This post is NOT sponsored, but does contain affiliate links |
We’ve been using these reflective safety stickers for awhile on our helmets, bikes, etc but we recently realized they can stick amazingly well to fabric too! This makes them perfect for adding visibility to your children’s backpacks and coats, especially important for those early morning bus stops.

These particular stickers are Gear Aid "Tenacious Tape Reflective Patches", and we're SOO impressed with their sticking power - especially to fabric! They really stick well and look like they were manufactured as part of the fabric. They're completely flexible and durable.

We have yet to run them through the washing machine, but according to reviews online these ARE machine washable on most fabrics. And after seeing how well they adhere to fabric I am expecting them to perform well (I will definitely update this post in the future with more feedback though). Definitely check them out and add some safety and visibility to backpacks, coats, strollers, hiking gear, and more!

SHOP: Gear Aid "Tenacious Tape Reflective Patches"

Camping With Kids Quick Tip

We LOVE going camping, but camping with kids definitely adds to the amount of stuff you need to bring… like several complete changes of clothes per day for each kid, just in case. In order to keep our tent more organized and to help make outfit changes quick and easy (even in the middle of the night), we love using packing cubes! | This post contains affiliate links |

Each kid gets their own packing cube which makes finding clothes easy - no more digging to the bottom of a dark duffle bag to find a tiny pair of socks. I highly reccomend giving packing cubes a try on your next overnight trip, whether it's camping or a hotel stay, they're a game-changer!

SHOP THIS POST:

| L. L. Bean Trucker Hat | Packing Cubes, 7-Piece Set | Deuter Pack (Similar) |

Shop my Amazon Favorite Finds with Ease!

Amazon Influencers now have categories which makes browsing my Favorite Finds so much easier!  Check out my lists and let me know if you have any questions on the products - I have different lists for Home, Kitchen Favorites, DIY Supplies + Tools, Fashion + Beauty, Outdoors, and Baby + Kid Items. 
| This post contains affiliate links |

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.  

Mission Accomplished: First Half-Marathon

Well, I finally did it!  I ran my first Half Marathon :)  

Finally completing a Half has been about seven years overdue.  I got stress fractures training for one in 2009 and gave up running long distances for awhile after that.  But this time with a great plan by my sister-in-law that focused on interval training over long distance runs I was finally able to accomplish my goal injury-free.  I'm very thankful that I was able to do it, along with all the support I got from family and friends, and especially my husband.  

Before the start of the race, so nervous!  

If any New Englanders are looking for a great Half Marathon to run, I'd highly recommend the Maine Coast Half.  It was great, fun race with beautiful ocean views - and you get Shipyard beers at the end ;)  

Now that I've done this Half, I'm looking forward to focusing more on the blog and my Etsy shop again - so look for more coming soon from Birch Landing Home!  

After the race is done!  Ahhhhh...

Related posts from Birch Landing Home:  

• Getting Back into Running

Family Weekend in Ogunquit, Maine on a Budget

Last Friday we decided at the last minute to spend the weekend in Ogunquit, Maine - the weather looked great, my husband was itching to take some Milky Way photos, and it had been too long since we did a little family trip.  It was also right before "the season" starts, which meant that there would be less crowds and cheaper hotel rooms (yes!).  All-in-all as a family of three we spent less than $175 for the whole weekend, including the hotel room, so I would call that a huge success!  

For hotel we stayed at The Beachmere Inn which is conveniently located right on the Marginal Way, a 1.25 mile scenic walkway following the edge of the ocean.  Even though we were calling for reservations the day before, The Beachmere thankfully still had a few rooms available.  We opted for the least expensive one ($100+tax, which was this particular room's preseason rate).  It was a nice, modest room with a queen sized bed in the Victorian building of the hotel complex.  This room didn't quite have the view that most rooms at the hotel have, but we didn't mind since we knew we'd be out walking most of the day and then to bed early with our little one.  

The Beachmere Inn

The view from our private balcony.

To save a little extra money we packed our lunches from home for that first day.  We got to the hotel around lunch time and since our room was ready they let us check in early (very nice!).  We were able to enjoy our lunch on our own private balcony overlooking the great lawn of the hotel.  

That afternoon was spent wandering up and down the Marginal Way and walking into town to explore some of the little shops and buy some delicious pastries at Bread & Roses Bakery.  We highly recommend their Cinnamon Butter Puffs and our daughter was a big fan of the massive chocolate chip cookies bigger than her head (no surprise there).  

Running along the ocean = perfection.

Mid-afternoon Daddy watched Miss M so I could get a training run in.  I ran four miles along the Marginal Way and through the high-end coastal neighborhoods, and even did a short stretch of running in the sand on Ogunquit Beach.  This run has to be the most fun and scenic I have done to date - why can't all runs be so pretty?

Dinner options in Ogunquit were a bit limited as it's still the "off season" (many seasonal businesses and seasonal rates start April 14th).  So we opted to drive up the road a few minutes to the Moody Beach area and have dinner at Jake's Seafood where we ate our weight in delicious fried seafood.  The bill for the three of us came in at $40, which was a little more than we were expecting but splurging on fried food is pretty much a must-do of any seaside trip.  

The views along the Marginal Way are breathtaking.

After dinner we went back to the hotel and played outside a bit before turning in early.  Adrian was planning to get up at 3AM to capture some Milky Way shots as long as the weather cooperated.  Luckily for him, the clouds held off and he was able to just walk off the hotel lawn and get some amazing Milky Way and sunrise shots (you can see more of his photos on his Instagram, @adrianpelletier).  

The next morning we enjoyed a nice continental breakfast at the hotel.  They had coffee, tea, cereal, bagels, fruit, and yogurt as well as selection of locally made donuts.  (I had yogurt with granola and a very delicious Boston creme donut, because you know, balance.)  

Bread & Roses Bakery - so much deliciousness!

After breakfast we walked back into town to do some last minute poking around and pick up more pastries from Bread & Roses to bring home, between our two trips here we spent about $20.  Then we went to Ogunquit Beach to let our little one run around and play in the sand a bit.  It was brisk but sunny and we pretty much had the whole beach to ourselves.  After that we decided to check out a little early and head home to catch Miss M's nap, but if we had stayed in Ogunquit for lunch we would have grabbed some sandwiches from The Village Market, which looked yummy and reasonably priced and had a picnic on the beach or along the Marginal Way.  

Overall it was a great, affordable weekend in Ogunquit.  Lots of beautiful views, good food, exploring downtown, running and photo adventures, and, most importantly, some quality family time.  

Early morning walk along the Marginal Way.