Category: Earn Extra Money

How to Get Cheap Health Insurance for Self Employed Moms

health insurance for self employedNo one can dispute that health insurance is important, especially in a country with healthcare costs that are so high. 45.7% of companies provide health insurance for their employees.

But what do you do if you’re self-employed? 31% of self-employed people with no employees have no insurance. How can you avoid being part of this statistic without breaking the bank?

Read on to find out more about health insurance for self-employed people!

Understand What’s Available in Terms of Health Insurance for Self Employed

Healthy insurance may feel like a must, but there are many options to choose from in the kind of insurance you can get.

Federal or State

Under the Affordable Care Act, states must either run their own insurance marketplace or use the federal one.

On these marketplaces, you’ll find private companies selling government-vetted policies that offer a variety of coverage amounts.

Healthcare Sharing Ministry

If government-run exchanges aren’t your thing, you can still find reasonable health insurance for self employed people.

With healthcare sharing ministries, your monthly premium contributes to not only your healthcare but other members of your same group.

This is a great way to cut costs, though, as with everything, research is needed to ensure you’re getting the right coverage for you and your family’s needs.

Health Savings Account

A Health Savings Account, or HSA, is great if you’re looking for a lot of control over your health funds.

An HSA is a high-deductible health plan. Essentially, you put all the money you want into a special account, and then, as long as you spend it on medical expenses that meet the qualifications, you pay no tax or penalty on the money withdrawal.

And, the best part, the money is still yours! So if you need it for a non-medical emergency, you can take it out (keeping in mind possible taxes and penalties), and use it!

Price Comparison: Your Ticket to Savings

Competition is the true beauty of the marketplace. Compare health insurance prices to ensure you’re getting the best deal possible.

Look for Savings

Health insurance can be expensive, but it doesn’t have to be excessive. Look for ways like these to decrease your costs.

Choose the Degree of Coverage

Less coverage means more savings. The ACA offers a “metal” rating system so you can choose a coverage plan that’s right for you. Platinum covers 90% of your out-of-pocket costs, Gold 80%, Silver 70%, and Bronze 60%.

Check for Subsidies

Depending on your income (less than 400% the poverty level), you may qualify for significant savings if you buy through the state marketplace.

You may also get a tax break from your health insurance simply for being self-employed on line 29 of form 1040 if your self-employed income is less than enough to cover to premium.

To do this, report your profits on Schedule C, then deduct the premiums until your Schedule C is equal to zero. Then report the leftover premium costs as an itemized deduction on Schedule A.

This may or may not work, but it’s worth a try to save money on health insurance for self employed!

Looking for a way to bring in some extra cash to offset insurance costs? Check out easy ways to make money here.

Curious about more ways to save money or improve your self-employed mom life? Feel free to contact this blog!

How To Work From Home and Manage Your Time

Working from home can be a blessing and a curse.

You can go to work in your pajamas! If you’re a parent, you’re there when the kids get home from school. There’s lots of flexibility.

But, with all that flexibility, it’s easy to get off track. The TV is only a few feet away. You notice the laundry is piling up.

It takes discipline to keep yourself on task. But it’s worth the effort! Research shows that remote workers tend to be happier overall.

If you’ve recently started to work from home, it’s essential to put your time management skills to the test. Keep reading to set yourself up for success.

Create a highly functional office space

Be more productive when you work from home by setting up a great office space. It should be a designated area that is only used during work hours.

This helps you create a routine. When you step into the space, work begins. When you leave, the work day is over.

After you’ve picked out a spot, decorate it in a way that inspires you.

It should also feel like a real office. Get a filing cabinet instead of shoving papers in drawers. Get a separate phone line or try a service like American Voicemail.

Get into a habit of clocking in and out every day. Train your brain that places like the couch are for breaks, and the office is for work.

Schedule breaks throughout the day

When you work in an office with other people, the flow of the day is established for you.

When you work from home it’s easy to lose track of time. If you’re working too hard, you’ll eventually burn out. Hopefully, you aren’t working so hard that you forget to schedule some vacation time once in a while!

Then there’s the flip side. You find yourself eating lunch, then suddenly you realize you’ve wasted two hours.

Fix this by scheduling your breaks. You can try starting and ending your break at the same time every day.

Want more flexibility? Set a time limit for a lunch and two short breaks. Take them when you feel like it.

Set a timer, and when it goes off, get back to your to-do list!

Create a daily and weekly to-do list

To avoid wasting time, create two to-do lists for yourself.

Start your week by making a list of goals for the next 7 days. Try to organize them from most important to least.

At the end of each work day, create a smaller to-do list for the following day. Look at the things to be accomplished for the whole week. Try to take one difficult task and few easier tasks to round out your daily list.

Be honest with yourself about what you can achieve that day. Don’t set up unattainable goals that will make you feel badly when you don’t succeed.

The more you can cross off on your list, the better you’ll feel. In turn, your productivity will go way up!

Do you have any work from home tips that we missed?

Let us know in the comments!

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