How much is avoiding dental pain worth to you?

The cost of dental work can be quite high for many people. For those who do not have insurance, it can be outrageously costly. Even if you do have insurance, dental care can be expensive anyway.

Regardless, it’s something that’s important and we need to take care of our teeth for many reasons. Dental health has been shown to impact our overall health in numerous ways.

With that in mind, I’m facing a dental procedure that needs to get done. I need to get a wisdom tooth removed, which is not something anyone would look forward to. However, it has to happen, so I might as well get the time scheduled and get it over with. The only thing I thought I had to decide was when to make the actual appointment, but I found out that I have a new decision to make: how much to spend on pain relief for wisdom tooth removal!

Frankly, I haven’t really considered this type of decision before. Usually I’ll just deal with the medical care that I have to get, and will put my health above money – within reason of course. If things are truly optional, that’s obviously different. But if I absolutely need medical care or medicine, I’ve just gone ahead with it in the past. What’s the point of saving money if it impacts your health?

As I noted, this procedure must be done, so of course I won’t try to save by avoiding it. However, there are different prices for pain relief for this dental procedure. After getting an initial consultation, the office got back to me with the following 3 options for removing the wisdom tooth.

Local Injection

This apparently involves a shot (or shots) to the mouth and areas near the tooth. The idea would be to numb the area so I don’t feel as much pain as the tooth gets extracted.

Pain Relief: 3rd best out of the 3 options

Cost: $76 – least expensive of the 3 options

Gas (Nitrous Oxide)

This option, from what I understand, is intended to relieve your anxiety so that you really aren’t too bothered during the procedure. Thus, you may not notice the pain quite as much while the tooth is being extracted.

Pain Relief: 2nd best out of the 3 options

Cost: $115 – 2nd most expensive of the 3 options

IV Sedation

In this case, you are actually sedated. You’ll be out of it, and won’t be noticing what’s going on. Essentially, its like you’re asleep.

Pain Relief: best out of the 3 options

Cost: $338 – most expensive out of the 3 options

With all this information provided to me, the first thought that came to mind was this: “give me a shot, get that sucker out of there, and let me save some money!”  Then, I paused and thought about it for a moment.  Do I really want to do that?

The difference between a local injection and the gas is $39. That’s not much, all things considered, for something like this. So, I’m eliminating local injection as an option. The difference between gas and IV sedation, however, is $223.  That’s a little bit more noteworthy. I’m probably going to go with either nitrous oxide, or IV sedation for this treatment.

The decision: is $223 worth spending for a little more pain relief?

It’s money vs. pain? I wonder how many people even think of money in a case like this? I’m guessing there are people on both sides of the spectrum. Some might want pain relief no matter what, and there might be some tough characters that will save a buck at any cost. The things people will do to save money!

This also serves as a reminder of how important it is to have insurance and some financial resources. Some folks have no options.

But for those that do, I wonder how many would tough it out and go with the cheapest options. For some, losing money can be quite painful!

My Questions for You:

Which choice of the 3 would you go for?

Do you think of money in cases like this, or do you just want comfort at any reasonable price?

Have you ever faced a decision on any health care decision that was impacted by cost?

The following is a guest post via MoneySupermarket

Savings is the catchphrase at the moment for many in these difficult economic times. If we saved more before, we might not have been in the dire straits we are now, either globally or personally.

Can you save more? Can you afford to save more? How much can you afford to save and what would it mean for your future? Consider the options and see this page for the best interest rates currently available on savings accounts. If you do not have a budget, it is time to get one. Do it before the end of the year or make it a New Year’s resolution.

The beauty of a budget is that it trains the mind and disciplines your spending habits – something we can all use in our lives.

Take a sheet of paper and draw a line in the middle. In the first column write everything that you earn and include your full-time income and any other part-time income that you may receive regularly. In the second column write all your fixed monthly expenses. The idea is that there should be more money in the first column than in the second!

If not, you have to seriously reduce the spending in the second column. In the second column you will find expenses that are necessary with items such as a mortgage loan repayment, car repayment, required insurance and utility payments. Insurance payments would include health insurance and any insurance on your car or house. The car and house insurance might be a lender requirement or a sound judgment of your own.

Also necessary, will be amounts spent on items such as groceries. Gas will also be necessary, but how much of it is necessary? Can you perhaps make a plan to reduce your gas bill by taking the train or bus more often to avoid rush hour traffic? Can you team up with a neighbor on your way to work? If you use public transport, will the cost be less than your gas bill? Can you walk to a store nearby instead of using your car, out of habit?

Look at the expenses in the second column and work out what you can stop paying and put it into savings instead. Do you have any store accounts? Will it not be better to pay them off, save that amount and buy with cash in future?

Do you eat out? Do you order in? Can you reduce those amounts? Will it not be better to cook a healthier meal at home and involve your kids in the cooking process? If the kids cannot cook, it will afford them the opportunity to learn an invaluable skill. Also, home cooked meals are healthier than bought ones and by keeping their hands busy they will snack less and they can even lose weight.

Reducing expenses is easier said than done. If you earn just enough to get by, you will never save much. The fact of the matter is that we all need an emergency fund because we don’t know what the future holds.

Add another item to your list of necessary expenses and call it savings. Arrange for a deduction from your bank account so that you cannot renege on your decision. Then forget about it. Your savings can be a saving grace. Make a definite effort to start saving, even if it is the smallest monthly amount that the bank will accept.

The following article is a guest post

Cars are a major component of our living costs. With around 95% of US households having at least one car – and with transport taking up around 15% of our annual budgets on average – cutting car costs is something that could benefit us all. From being more careful about where we get our car insurance quotes to changing the car we drive, there are quite a few things we can do to spend less on motoring.

Read on to find out about five ways you can cut your car costs. 

Drive less

It may sound obvious, but one major way we can cut the costs of driving is simply to do it less. The majority of trips involve a car these days, and 85% of us use our cars to get to work. Of course, there are some journeys where a car is definitely required and, if you live in the middle of nowhere, walking to the grocery store to pick up some basics might not be an option.

However, most of us could drive less if we put a bit of thought and effort into it. Plus, it’s recommended that we get around half an hour’s exercise every day, so leaving the car in the garage and walking down to the store could be a good option for more reasons than just financial ones. 

Switch to regular gas

Many of us like to use premium gas in our cars – after all, why not use the very best? This makes sense for some cars, but most vehicles run perfectly well on regular gasoline. You could save up to 20% on the cost of your fuel by doing this, depending on where you buy your gas. Also, if you live in an area where there is a large number of gas stations, shop around rather than going for the first one you see. You can find price differences of up to 10% in a relatively small area, which will obviously have an impact on the cost of your gas. 

Shop for insurance

Another trick when you’re looking for ways to cut the costs of motoring is to shop around for your car insurance. Different companies will offer different policies with different standard cover and extras. You might also find that two insurance companies offer the same cover for markedly different prices, so take a look at a couple of price comparison websites to work out where you can get the best deal. 

Don’t modify your car

Also, try and avoid modifying your car wherever possible. Not only do the modifications themselves cost money that you don’t really need to spend, but they can also bump up the cost of your car insurance. Even small changes such as alloy wheels can have a big impact on how much you pay for insurance, so try and resist the temptation if you can! 

Buy an efficient car

Finally, buying a more efficient car might cost you some money up front but it could save you significant amounts over time. For instance, a car that uses fuel more efficiently will help you at the gas pump and if you buy a car that’s renowned for its safety, it will also help your car insurance costs. It’s definitely one to ponder.

Recently, I had to purchase a box of envelopes after discovering that I didn’t have any at home. With online bill pay, the need for envelopes just isn’t top of mind in my home. However, once in a while you need to actually send a check via mail.

Anyway, I added buying envelopes to the list of things I needed to get done on that day. So, on my way to a local Wal-Mart, I spotted an office supply store very close to my destination and immediately thought “Envelopes!”.  So, I stopped on in and searched for envelopes.

Once I found the aisle with envelopes in the office supply store, I narrowed my search to the standard security-lined variety.  In doing so, I was searching for the best value. After all, an envelope is an envelope, right? Now, I didn’t want to buy in bulk and buy too many, so I settled upon a box of 45 for the price of $4.49.

After I paid, I got back in the car and drove over to Wal-Mart. As I walked into Wal-Mart, I quickly went through the store picking up the few items that I needed.  Before I got to the checkout area I thought about my envelope purchase just 20 minutes ago from the other store. That got me curious about what the cost would be for envelopes from Wal-Mart, so I walked over to the supplies area to look for envelopes and satisfy my curiosity.

As I found the envelopes section, I quickly found a box of security-lined envelopes. A glance at the price yielded a surprising figure: $0.97. That’s right, 97 cents!

I did a double take, and it was definitely $0.97 for a box of envelopes. I then looked at the box, and yes – it was for security lined envelopes. I very quickly thought “what about the number of envelopes in the box, maybe there are less”. Well, I looked at the box and it indicated that there were 40 envelopes in the box.

So let’s revisit the prices again (excluding taxes):

Office Supply Store: 45 envelopes for $4.49 – about 10 cents per envelope

Wal-Mart: 40 envelopes for $0.97 – about 2.5 cents per envelope

Basically, it cost me 400% more to buy envelopes from the office supply store vs. Wal-Mart. But wait – isn’t the former an office supply store after all?

Well, it might be, but that doesn’t mean that prices will be lower there. Now, for all I know the envelopes from Wal-Mart might have been a bit lower quality. Who knows? But as I mentioned before, an envelope is an envelope for these purposes, right?  To pay 4 times as much at an office store seems a bit crazy.

Doing so would almost be like ignoring coupons or coupon codes that could instantly help save money. For example, for a different type of purchase in an entirely different store - let’s say soaps, lotions, etc – you could take advantage of a Bath and Body Works coupon code to save money. So clearly, across product categories and stores, there are ways that we can save money.

Anyway, back to my specific experience – I went ahead and bought another box of envelopes, this second one from Wal-Mart. I had to go back the other direction anyway, and then stopped at the office supply store and returned the envelopes I had bought there.

Lessons Learned:

• Just because a certain store specializes in a certain type of product, it doesn’t mean that it offers a better price than a general retailer
• Prices for given products can vary significantly from store to store – even as much as 400%!

My Questions for You:

• Have you ever bought something at one store, then discovered that you could have purchased it cheaper somewhere else?
• Have you ever noticed any products for which there’s a wide range in prices, depending on where you buy them?

Gift cards are nice to receive as well as purchase for others. They’re a way that someone can show an interest in – and knowledge of – the recipient’s tastes and preferences. At the same time, they allow for some individual choice in the ultimate purchase.

For example, instead of getting a gifted sweater that doesn’t fit your style, maybe a gift card valid at the same retailer will allow you to pick a different one that’s more to your tastes.  This would have been nice when younger, I remember getting one super ugly sweater that was bright white with some black streaks. I felt like a Star Wars stormtrooper when wearing it, and worse – probably looked like one too! That is, when I was actually crazy brave enough to wear it:)

When actually buying a gift card, it can be tempting to go directly to a retailer and buy. I’ve done this many times in the past. However, another way to do it is to actually look for gift cards at a lower price. Yes, it’s possible to find discounted gift cards for sale. Cardpool is a site that offers such cards for sale.

It’s interesting to see the type of cards that are available. Examples at the time I perused the site are:

• Restaurants
• Flowers
• Movies
• Clothes
• Furniture
• and Others

The savings can be pretty good, and that’s worth considering. Thinking about myself, I could potentially purchase maybe $300 of gift cards in a year.  While discount percentages could vary, let’s assume I got 10% on average. Right there, that’s a $30 savings for the year. Not bad! Of course, you could take it that next step and invest the $30, let the returns compound, and it could result in even more money going forward:)

It can also be worth it to sell gift cards as well.  If you get a gift card for value at a business that is not one that matches your needs, why let it sit idle? It might be possible to sell your gift card as well, using Cardpool. Capturing value from unused or unwanted gift cards can be another way to generate some extra cash and make the best use of an asset that you might not otherwise utilize. Seems like it might be a win-win for many people in that way!

Going forward, I’m going to keep in mind the potential benefits of buying discounted gift cards, and the possibility of selling unused or unwanted gift cards where possible.  It’s nice to have a chance of capturing money that might otherwise be left on the table.

Health care costs can be a big part of one’s expenses. As one starts to get older, this becomes more and more apparent.  Once additional dependents get in the picture, this becomes a category of expenses that merits much more examination.

While we might spend all kinds of time trying to save money at the grocery store, restaurants, and other places – what about spending some time trying to save on health care?

Well, here’s a list of things you can do that could help you with that. Below are 10 ways to lower health care costs:

1. Choose generic drugs instead of brand name. Generic drugs are generally equivalent to branded drugs, with the same efficacy and side effect profiles. The difference: they’re often much cheaper.
2. Use mail order for prescriptions. You can obtain multiple months of a prescription through the mail, for a discounted price.  Though I’ve never had the reason to try it, I most certainly would if I had a chronic condition that required continual refills. Why pay more on a monthly basis?
3. Ask for samples.  Perhaps you can get a product sample that will help you get started on a particular therapy – thus saving you money in the process? This happens all the time. Why not ask?
4. Utilize a flexible spending account (FSA).  If you have the opportunity to take money, set it aside and not pay tax on it, why not do it? As long as it’s used for qualifying expenses, this one’s an easy choice. Make sure not to overestimate expenses, so you don’t lose what you set aside – or scramble at the last minute to use funds like I did last year.
5. Stay within your network.  Going out of network for doctor visits and for procedures can cost significantly more money.  Take advantage of the lower prices that have been negotiated.
6. Participate in wellness assessments.  This may not be an option everywhere, but I once got involved in a wellness program through a past employer, and got a financial benefit.  If offered, might as well take the opportunity for easy benefits.
7. Review your bills thoroughly.  Billing errors do happen. When they do, doesn’t it often seem like they’re in the favor of the entity doing the billing? Taking the time to scan through each bill can be a good use of time, particularly if you end up catching a mistake.
8. Negotiate your bill.  Ultimately, bills might be negotiable in some cases. A prior post I did on negotiating your medical bill illustrates how it could potentially be done. One way is to offer to pay up front, a lump sum that’s  less than the full amount owed. They just might take it. It doesn’t hurt to ask. Remember, simply asking can in some cases help a person avoid potential money problems.
9. Avoid the emergency room.  OK, sometimes you just have to go the emergency room and there are no two ways about it. We all know that. However, there are other times where you just might have an alternative. An urgent care center can often provide fast care for some problems that occur, without an appointment, during business hours – and sometimes beyond. If your doctor doesn’t have an appointment for another week, and you need care, you could consider such centers. It beats the high cost of the ER!
10. Make smart choices every day.  Eat well, get plenty of sleep, exercise, take care of your teeth, and make good choices every day. Lifestyle can play a big role in determining our health conditions, so it’s imperative to make smart decisions with the long-term in mind.  One trick – picture yourself older and in poor health, as a direct result of today’s bad decisions. That tends to  help motivate me and get me more disciplined, though I’m I work in progress!

My Questions For You:

Do you employ any of these strategies?

What other tips do you have for saving money on health care?

We all would like to have more money, right?

Well, maybe all is a strong word. Some people are totally content with what they have, and don’t think they need more. However, most of us fall into that first group. We would like to have more money!

Here are 5 steps for increasing your savings:

1. Discern wants from needs.  Figure out what you truly need, and distinguish these needs from what you want. Do you need a car? That’s probably the case, for most us.  Do you need a new car that costs $35,000? No. You could always buy a lesser brand that’s still reliable, and pay $20,000, for example.  Or, better yet, spend even less on a quality used car. The brand name is a want. The ability to safely get from Point A to Point B is a need.
2. Track your expenses.  Instead of spending indiscriminately, track your expenses. If you track cash outflow down to the penny, you can get a really good idea of where your money is really going. This can help you figure out where you can cut the fat, so to speak.
3. Live within your means.  OK, if you follow Step #2 above, you know how much you’re spending and on what you’re spending, right? Now you need to make sure that this fits within your income. Most people have a much better idea of what they earn than what they spend, it seems.  If you have both pieces of information, you can make sure that you’re spending responsibly.
4. Maintain a gap between income and expenses.   Once we’re able to live within our means, we can take steps to make sure that there’s a gap between our income and expenses. Of course this means income exceeds expenses, not the other way around:) Many people say 10% is a good figure, but I think that is way short for most people. Working up to 25% or more is more realistic, in my opinion, for today’s reality of a self-funded retirement.
5. Preserve and grow income.  Thus far we’ve focused on keeping control of expenses. That’s certainly important. That being said, we need to actually have money to save, before we can work on saving it! Let’s not take for granted the cash inflow part of the equation.  Working to maintain income first, and then working to increase income, are vital to our overall financial situation. Doing this, while keeping expenses under control as detailed in Steps #1 to #4, can supercharge our savings efforts.

The net result of increased savings is more money in our bank accounts.  From there, we can choose the best accounts for our needs. Ultimately, taking the money in these accounts and investing intelligently with a good rate of return (and time on ours side), we can work toward a bright financial future.

My Questions for You:

What steps have you taken to increase your savings?

Where do these steps above fit into your savings efforts?

Use them or lose them! Gift cards, that is.

That’s a lesson that I learned painfully a few years back. I had obtained a “reward” card – essentially a debit card – at work, which was given to me with value added to it. Basically, it was almost like a repository for spot incentives or gifts, which were fairly infrequently given out but slowly accumulated over time nonetheless. Kind of like a gift card that kept slowly increasing in value.

At one point, the total was several hundred dollars. Again, this was a result of smaller awards, typically for a little extra money given around the holidays or things like that.  The total dollar amount wasn’t massive, but hey – a few hundred dollars is a few hundred dollars, right?  Besides, what was great about it is that it was stashed away, kind of like a little slush fund of sorts. I like the idea of diversifying, so this was a small amount that I had squirreled away and consciously forgot about but knew in the back of my mind that I had it available somewhere.

Anyway, the time eventually came where I decided that I’ll dip into the slush fund and use that old debit card, with those accumulated gifts from work. Time to get something, and feel great about the idea that didn’t have to pay for it!

Before I went out to the store, I called the number on the card to find out the balance. No problem, right?

Uh, wrong. Big Problem. They had no record of the card or number.

Long story short: the card had expired, and I was out luck, after numerous calls and attempts to recover it. Ouch!

I learned a lesson there, which goes counter against my tendency of stashing things away for a rainy day well into the future. The lesson was that with gift cards, you should try to use them as soon as you can, in case they lose their value or the company goes out of business.

Fast forward to this week.  News came out that Borders, the book retailer, was going to be going out of business. The first thing I thought of was that I thought I had a gift card to Borders. I recalled a $25 gift card that was sitting around for well over a year. Remembering my past experience, I thought I had better apply the prior lesson learned and go use that gift card.  I also noticed a post by Everyday Tips and Thoughts that introduced the topic of gift cards and Borders.

The next day, I made sure to stop at a Borders and use the $25 gift card before it’s value plummeted. Not that I knew for sure what might eventually happen and when it would happen, but my guess what that this gift card’s value would hold for only a short period of time. Just couldn’t bear to see my squirreling ways burn me again, instead of helping as they normally would in other cases.

It’s good to learn lessons and apply them in the future, no matter how small the outcome might seem to be. In this case, the loss of several hundred dollars due to my own stowing away of the prior gift card had taught me a lesson that I needed to apply, before making the same mistake once. It’s like spending money on ATM fees – you don’t do it on purpose, but due to poor planning!

Happy to report I made the right choice this time!

Bottom Line:  Keep this in mind when you get a gift card: Use it. Soon.

My Question for You:

• Do you use gift cards right away:
• Or, do you procrastinate I as I had previously done?

The following is a guest post from No Debt MBA, who has saved and is working to get an MBA from a top business school debt-free.

I going to brag a little here.  I’m pretty good at saving money and living frugally.  I may not be a poster child for Squirreling Gone Wild, but each year I tuck away a tidy sum, I’m debt free and I’m on track to pay for my MBA in cash.  Okay, bragging aside, I have a few tricks to help you pad your savings with less pain.  Remember, your savings won’t benefit from these tips unless you actually follow through with them and do it.  So here are some strategies to put more money away:

• Do it automatically – Everyone’s been talking about it for years.  You know why you should be doing it, but are you actually following through?
• Do it in lump sums – Let’s be honest, it takes a lot of $25 automatic monthly transfers to add up to anything like $5000. (Think more than 16 years) It pays to bring out the big guns and tuck away lump sums.
• Do it before you see it - That pre-tax 401k, FSA, or HSA your employer offers? It can be savings godsend, allowing you to squirrel away thousands or even tens of thousands of dollars before it even hits your accounts. Start this immediately and keep ramping it up – you’ll hardly even notice it.
• Do it with change – Our very large coin jar recently got cashed in.  After the hefty labor of carrying it to the bank we found we’d saved $250.  The change became bills which will be put in the bottom of the jar and we’ll begin filling it with coins again.  When it’s filled with bills…. that’ll be a nice day.
• Do it with found money – Yard sales, change found on the ground, bonuses and more – unexpected money should help you beef up your savings a little or a lot at once. Since it’s not in your budget there’s no reason not to save it, right?
• Do it with purpose – By giving your money a cause it’s a lot harder to cheat – you’d be robbing the cause you selected for more discretionary money. Our coin jar has a cause – spending more time together through vacations or downshifting. Any time I take quarters out for laundry I pay the jar back with dollars. Otherwise I’d be saying that a convenient source of quarters was more important than spending time with my SO. Named, separate savings accounts are another way to do this. It’s a lot harder to take money out of the bank when it’s labeled little Janey’s college fund or Christmas gift money.
• Do it with leftovers -  If you already have a budget challenge yourself to slash one area of it for a month and put the rest towards a savings goal.  If you don’t have a budget, try one for a month and save the difference over what you normally spend in a month. I’m channeling all the savings from our $25 a week grocery budget towards next year’s tuition for my MBA. 

My Questions for You:
What are your best strategies for saving a little extra money?

Which of your goals could use some extra cash?

The following is a guest post from Kyle James, who runs Rather Be Shopping

Haggling for a better price has become a habit for me. A habit that I can safely assume has saved me thousands of dollars over the past 10 years. I became a haggler 10 years ago when my first child was born. With the added expense of raising a child, I was forced to find ways to make my paycheck go as far as possible every month. So haggling for a better price was born out of necessity. I must say that I think I have become pretty good at it, and I will even haggle successfully at big chain stores like Macy’s, Home Depot,
and Best Buy. Hopefully this advice can help you save some money.

~ Assume It’s Negotiable – To assume otherwise is going to cost you a lot of money over the course of your lifetime. I always use the example of big ticket items like furniture and electronics. Whenever I go into a furniture store and I will immediately ask the sales associate what is the best price he/she could give me. If they tell me it is not sale, I will politely ask to speak with a manager and ask them the same questions. But I will say something to the effect of “I really love this piece of furniture and would like to take it home today, but I was wondering if you could help me out a little bit on the price.” In my experience this type of haggling will work 80% off the time. Managers want happy customers and they often will do anything to make that happen. You can’t be timid to make this work, you have to stand strong, speak up, and tell the manager exactly what you want.

~ Look For Imperfect Items and Ask For A Discount- This works really well in clothing stores, as well as stores like Home Depot or Lowe’s, where many items have imperfections. I usually ask for 25% off and will negotiate downward. This works great. I use to work at The Home Depot and we were encouraged to lower the price for customers to move imperfect items off the shelf and out of the store.

~ Quantity Discount – This is the notion that the more you buy, the bigger the discount you should ask for. I did this at Best Buy a
couple years ago when I was buying a TV and a DVD player. I asked the manager if he would give me $50 off the DVD player if I bought both today. He said “sure” faster than I could finish my sentence. Always worth a shot.

~ Do Your Research and Compare Prices – You have a great negotiating tool in your back pocket if you know what other stores are selling the item for. Many stores have a price match policy or a 110% price match guarantee where they will actually undersell their competition. Knowledge is power.

There definitely is a science to haggling and choosing the right words to use. The more you do it, the better you will get at it. Have you ever used any of my haggling techniques? If so, were you successful in scoring a discount? I look forward to your comments.

Whether you are a haggler or not, hopefully these online coupons can help you save some additional money. No haggling required to get these deals!

Eddie Bauer.com

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Harbor Freight Tools.com

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Harry and David.com

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Home Depot.com

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Lowes.com

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Macy’s.com

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Office Max.com

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Overstock.com

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