Category: Health & Fitness

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 Create the Best First Aid Kit For Emergencies

first aid kitHaving a first-aid kit on hand is one of the best ways to be prepared in the event of an emergency.

You probably have a closet at home that’s filled with band-aids, ointments, gauze pads and aspirin. Of course, it’s great to have these items scattered around your house. You should also have an actual first-aid kit put together.

A kit will undoubtedly come in handy anytime you venture outside the house. All you need to do is grab it and go! Kits can also be handy for in-home usage.

If someone in your family is bleeding heavily, you want to act fast. Having a first aid kit already put together will save you time. Everything will be right in one convenient container.

But what exactly should go in this first-aid kit?

Keep reading to learn how to create the best first aid kit for emergencies.

Container

To create the best first aid kit, the first thing you need is an appropriate container.

There is no hard and fast rule for the type of container you need, but know that there are a few different options to consider.

Plastic containers with snap-top lids are the most popular types.of first aid containers These are great for in-home usage, as they can be easily stored in a closet. And because they’re see through, they’ll be easy to spot.

For first-aid kits stored in vehicles, a backpack is a great option. Backpacks work well in case you have to leave the car. You can easily take the backpack with you on a camping trip without it being a nuisance.

Label Maker

Labeling your first-aid kit correctly will ensure it’s easy for household guests to find.

You can purchase an at-home label maker and put labels on the containers. You will want to label the outside of the container, as well as the smaller containers inside. If you have a backpack, you could sew on a red cross symbol for easy identification.

If you have young children who can’t read yet, put a big red cross on the box and explain to them what it means.

Items

Here is a checklist of items that you definitely want in your first-aid kit:

  • First aid book- A first aid book is essential for knowing how to properly use the items in the kit. Misusage of first-aid could exacerbate the injury or even cause death.
  • Adhesive bandages in a variety of sizes
  • Large gauze pads- you can always cut them up
  • Small pair of sharp scissors
  • Cotton balls
  • Alcohol prep wipes
  • Medical tape
  • Hydrogen peroxide
  • Rubbing alcohol
  • Non-latex gloves
  • Aspirin/Ibuprofen
  • Tweezers and sewing needle
  • CPR breathing mask
  • Thermometer
  • Sterile Saline

It’s a good idea to check your kit every few months to make sure you are properly stocked up on all of these items. You can restock your items through an online shop like Save Ride Medical. And if you are unsure of what items to use for what situation, remember to read the manual! A first-aid kit can save lives.

Optional Items

Once you have the basics packed, you may also want to think about storing some additional items for your specific situation. Some items you may want to consider are:

  • Bee sting kit
  • Snake bite kit
  • Matches
  • Ammonia inhalant capsules
  • Small knife
  • Paper bags
  • An awesome flashlight 

Best First Aid Kit: Wrap Up

With the information here, you will be able to piece together the best first aid kit you possibly can.

We want to hear about your own kit. What do you keep in your kit? Do you think we covered everything? Drop us a comment below.

5 Ways to Exercise on a Budget

exercise on a budgetGetting back in shape doesn’t have to involve expensive gym memberships, pricey fad diet programs or exclusive fitness DVDs. You don’t even need high-end workout clothes.

All you really need is willpower to incorporate exercise into your daily routine and eat a healthy diet full of fruits, veggies, complex carbs, and protein. A good start is adding Jarrow whey protein into your smoothie for an energized morning.

The good news is – you can easily do it without breaking the bank.

But when it comes to actually starting, many people rely on excuses. And the lack of time and money are at the top of the list.

With over 36% of adults in the U.S. being obese, there’s never been a better time to take care of your health and well-being.

Keep reading to discover how you can exercise on a budget, tone your entire body and lose weight in the process.

5 Ways to Exercise on a Budget

1. Go Running or Brisk Walking

One of the simplest ways to add some physical activity into your day is to take up running.

It’s free and you don’t need to spend money on fancy athletic outfits. All you need is a good running trail and quality shoes to support your feet.

Brisk walking around your neighborhood is another excellent cardio exercise as well. It’s a great alternative for people who have health issues or joint problems, but still want to get some workout.

2. Try a Local Gym

The best way to exercise on a budget is to find a local gym in your neighborhood. They usually have all the fitness equipment necessary for a good workout, but for a low monthly membership.

Local gyms may not offer specialized workout programs or personal trainers, but if you prefer the gym over working out at home, this option might be for you.

3. Buy Discounted Fitness DVDs from eBay, Amazon, or Craigslist

You can easily find some great deals on seriously discounted fitness DVDs online.

If you don’t For starters, try your luck on Amazon or eBay and see if you can score used ones or even older versions.

If you don’t find anything there, move on to Craigslist – there always someone out there who’s trying to get rid of their old fitness DVDs.

If all else fails, visit a nearby thrift store or a yard sale and see if you can find some DVDs there.

4. Get on YouTube

What says “exercise on a budget” more than a completely free YouTube fitness video?

All you need is some free time and internet connection and you’re all set. There are so many fitness trainers and instructors that offer excellent at-home workouts. At the same time, you can research healthy diet options to match your exercises.

However, be careful when selecting the videos and exercises. Do your research and see which ones fit your needs the most.

5. Try Biking

Biking is an easy way to get your juices flowing and get some exercise. The only expense you’ll have is buying a bike if you don’t own one already.

However, you can always find second-hand bikes on Craigslist or even new ones for cheap. And if you have kids, biking is a great family activity that you can do in your free time, especially when the weather is nice.

Conclusion

When trying to lose weight, getting fit or just being more physically active, you should also reconsider your dietary choices.

Eating healthy foods doesn’t have to be expensive – you just need to learn how to choose the items properly and plan your meals around them.

This combination of daily exercise and clean eating will make you fitter, more energized and ready to tackle the days ahead.