Moms To Be: Free Breast Pump Resource!

I came across this yesterday, and thought I would share. Most (if not all) insurance companies provide free breast pumps to mom to be, but navigating the insurance system to get one can be daunting.

Aeroflow Breast Pumps is here to help! Sign up and receive FREE Aerohead Breast Pump through your insurance.

It’s super easy:

  • Provide your insurance information to discover breast pump coverage.
  • Aeroflow verifies coverage and submits required paperwork.
  • Pick a Top of the Line Breast Pump.

That’s it! Pretty Sweet, right?

To get started, click here.  And if you know any mamas to be, please share this post with them!

Tips to Reign In and Out Of Control Family Budget: Taking Advantage of Discounts

959b176d7a237c76fc19ff89cdfc6904.jpgPreviously we talked about shopping your Cell Phone service, Internet service, even your Auto/Home/Health insurance.

Sometimes switching companies doesn’t yield you any savings. At that point, turn to your current providers and see if there are any additional discounts or perks that you could be taking advantage of and are not currently receiving?

Example: Some cell phone providers (Like T-Mobile) offer perks or freebies weekly. Free tacos, backpacks, free Netflix subscriptions, and other swag are some of the other cool things that they have offered in the past. AT&T has a program called AT&T Thanks where customers can score varying freebies and deals depending on what type(s) of service they have with AT&T.

Some Auto Insurance companies offer discounts for good students (High school and/or college), safe driving/accident-free, defensive driving courses, and low mileage discounts. It’s worth a call in to see if you can score any extra discounts!

What about services that you can’t shop around?

Utilities are a big one- We can’t shop utilities here in San Diego. SDG&E is the only name in the game here.

BUT- there are ways you can save and even earn money!

Did you know that most local utilities (in San Diego county that means SDG&E) will come out and inspect your AC/furnace for free at the beginning of each season? They can let you know if your furnace or AC is running in tiptop condition, and they can also check to see if your pilot light is lit and safe to run your furnace.

If you are in a lower income or you have a medical condition that requires continue with usage of electricity, SDG&E and other utilities frequently have a medical baseline or low-income program that you can apply for to save money on your utilities.

Other ways that you can save money on your utilities include signing up for services like Ohmconnect, which help you conserve electricity during peak demand hours, which not only helps you save money, but you’ll be saving extra electricity as well.

We’ve been members of them connect for upwards of five years, and we earn about $100 a year cashback from home connect, in addition to the money that we save on our SDG&E bill. You can learn more about Ohm Connect Here.

 

 

 

Tips to Reign In and Out Of Control Family Budget: Shopping Around to Save!

683459ee810703fe032903d2443bf58d.jpgToday I’ll be sharing some ways to save money that takes a little more work but can definitely pay off in the end.

For some of us, this may seem like too much work, and that’s ok. Just because it’s something that my family does, doesn’t mean it’s right for everyone.

Insurance: Most companies offer a discount if you have more than one kind of policy. Example: State Farm offers a Multi-line discount. If you have your cars and another type of insurance (homeowners/renters/condo insurance, or a life insurance policy).

Some insurance companies serve a specific audience- for example, USAA is an insurance company for active duty or retired military. Because they serve a specific audience, they offer very competitive rates.

When you shop for insurance, have copies of all of the policies that you want to compare. That will help you see apples to apples. You can’t compare and try to save money if you don’t know what you’ve got. This is also a great time to go over all of your coverages and see if you need to increase or decrease coverages.

Due to state and federal regulations, you usually can’t shop for health insurance unless it’s open enrollment or you’ve had a qualifying life event (married, divorced, had a baby, retired, lost your job, etc.). Luckily, Tis the Season for open enrollment! We purchased insurance through the state exchange a few years back, before we had employer-sponsored insurance. It was not too difficult to navigate, and there are discounts available for a lot of people!

Cell Phones: This is my least favorite activity, but it can a money saver. Once again- have a copy of your contract or a copy of a recent bill that outlines everything your plan covers before you get started. If you are looking for a pre-paid plan, Tello has some great money-saving plans!

Internet: I hate dealing with our internet service provider. I always feel like they are trying to upsell me, no matter why I am calling in. We’re looking at changing our plan soon. The big kids school recently sent home information regarding a program that Cox offers called Connect2Compete. For those families that have qualifying social service(s), Cox can provide internet service for $9.95/month! That’s a great deal.

 

Talk Back: I’d love to hear your success story! Share how much you’ve saved by shopping around for your insurance, cell phone service, or internet service.

Family Binder: Important Info at Your Fingertips

The other day I was talking to a friend about how we store all of our information now that my computer is on the fritz/being repaired.

I mean, Most people have everything stored on their computer or on the cloud/external drive, which is great, but if your computer goes out… Are you really going to access everything via your smartphone? That was my plan originally, but after like.. oh, say 8 hours of that, I posted on Facebook, asking my friends if anyone had a spare computer or laptop I could borrow. Because don’t you know it, the computer died… 2 days before school started. When I was taking an ONLINE CLASS!!

My friends Michael and Amanda are generously loaning me their laptop, and it’s much easier to do homework and write.

IMG_3895So, how to store all the important stuff… I’m bringing back The Family Binder. It’s a 3 inch binder, with section dividers, heavy weight page protectors, and plastic folders. We’ve has one for a long time, and as we moved more to paperless bills, it got used a lot less, and became a good way of storing a copy of our monthly budget, important papers, passwords (so many passwords, you guys!).

As you can see I’ve decorated the front of the binder with photos, the Brandon Bird SVU Valentine’s Day card Mr. Husband got for me years back, sonograms of the kiddos. You can make it as plain or fancy as you’d like.

IMG_3901I use some of the pages from the household notebook section of Organized Home.  I love the holiday printables from Organized Home the best. I’ve been using them since 2010, and they really help us stay on budget and keep track of all of the shenanigans that the holidays bring!

Additionally, I have extra sections for vacation planning, important papers (marriage license, vaccination records, copies of prescriptions/ list of all of our medications, birth certificates, kids social security cards, insurance id cards/policy information, and a copy of the deed to our home), and vehicle maintenance. IMG_3896I have a folder tucked in the front pocket of the binder for the big kids educational/medical stuff like his most recent IEP, Regional Center correspondence, and copies of his medical diagnostic paperwork.

I know a lot of you are reading this thinking that most of this information can be accessed online or via your smartphone, but think about when you will most likely need to access this binder… In an emergency. Not the time you want to drain the battery on your phone trying to figure out what your homeowners insurance policy number is, or your insurance agents phone number.  I also keep notebook paper in the back, in case of an emergency. If nothing else, it’ll keep the kids entertained!

If you want to make your own Family Binder, you can put as much work into it as you’d like. I made ours while I was pregnant and nesting with the big kid. So I went to town with with laminating sheets, scrapbooking stickers, decals, paper, and all kinds of doo-dads. I even made a family binder for my Sister-in-Law and her husband when they got married.  Just make sure that you store extra empty page protectors in the back- you never know when you’ll need to add more information!

I keep ours in a safe, easily accessible location, in case we need to leave the house. Living in San Diego County, it will most likely be a wild fire that causes us to leave home. We live too far inland and up high enough where rising flood/excessive rain water won’t touch us.

Talk back: If you have a family binder, I’d love for you to share photos in the comments or post pics on Instagram and tag me: @hewesfamilyfun  using #familybinder.