Staples Back to School Review and $50 Gift Card Giveaway!

by Mrs Money

Staples recently contacted me to see if I’d be interested in reviewing some of their new back-to-school items. I said I would love to! When the box arrived on my doorstep, I couldn’t wait to open it up and see what was inside. Let me tell you, school supplies have definitely changed since I was a kid! They are so much more fun than the boring old pencils and notebooks that I got.

Here is a sample of the fun new items Staples is carrying:
all

Included in this is: a binder, lined journals, mechanical pencils, #2 pencils, erasers, folders, a pencil sharpener, ballpoint pens, clipboard, and a composition book.

bic

These are just the cutest! They are the BIC Kids Retractable Ballpoint pen and BIC Kids Mechanical pencil! What I love about these is that the size is perfect for kids. I’ve never seen small pencils or pens like this made for little hands. What a great idea!

notebook

I love this composition book and am going to use it for myself!  Penny is only two years old, so all she does is scribble and draw so I’m going to make this mine!  I love the design of the cover, and it’s nice and thick so the paper is well protected.

pencils

Look at these pencils- they are mechanical but look like regular pencils. How cool is that? I love that the eraser is built in to the pencil and it’s not wimpy like regular mechanical pencils. It really works a lot better!

teenvogue

I absolutely love this eraser.  It looks like a little lipstick tube.  I think this would be perfect for a teenage girl.  I know I would have loved to have this when I was in middle school and high school.

This is just a sample of all the cool new products Staples has to offer.  If you have the chance, stop by and check out their new school supplies!

Enter to Win a $50 Staples Gift Card!

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I was provided with the pictured products to review but all opinions are my own. Thanks, Staples!

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How to Negotiate Down High Medical Bills

by Mrs Money

Post by Travis Holmes

Medical bills are often inflated to make up for the fact that many consumers remain uninsured. Health insurance is quite expensive and it does not fit into everyone’s budget. You cannot control when medical emergencies happen but you can work with the hospital to obtain discounted services due to lack of insurance and lesser income.

Ask About Financial Assistance

Nearly all hospital situations have financial assistance available. At the time of registration, it is ideal to ask for information about this program. In most cases, forms can be filled out on the spot to receive assistance with your bill. In other cases, you may have to wait for the bill to arrive to speak with the financial aid department for a reduction.

Discuss Reduced Fees for Cash Paying Patients

Some hospitals, urgent care facilities and doctor’s offices will charge a reduced fee for those on limited budgets or for those that simply do not have insurance. The rising cost of healthcare warrants this being necessary. So many hospital bills go unpaid due to their size. Hospitals will work with people on limited or low incomes to ensure that they receive proper care and can repay the bill.

Review the Itemized and Detailed Bill Received

Always request an itemized bill. This shows every test, medication or treatment given to you and its cost. In some cases, over-charging does occur and it leads to hospital bills being hundreds of times more in the end. Review the bill and ensure that there are no exorbitant costs on it. If you find discrepancies, contact the financial aid department at the hospital immediately to begin working on lowering the bill.

Discus Medicaid Options

With some hospital systems, the need to apply for Medicaid, or that state’s version of it, will help to get the bill reduced some. This shows the hospital that you need medical attention but do not have the ability to repay them. Even just applying for Medicaid lowers your overall bill since financial distress is noted.

The amount that you see on the bill is not always what you pay at the hospital. Hospitals expect patients to negotiate and get reduced bills, so this is often the reason for the inflated prices to begin with. Although most bills go unpaid, a hospital still has to treat you when you need it. Try to do your best to negotiate the final cost and work out a payment plan that works for your income levels.

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