Read this Chicago Tribune article on how to save when you pick up prescriptions at any pharmacy. Ask your pharmacist, “Is there a lower cost or generic I can purchase for less than my copay?”
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Quite a while ago I had a friend tell me to swap unsweetened applesauce for sugar in a recipe. For those of you that follow along you know I don’t really bake so I really have no idea if I would’ve made the recipe correctly using sugar. What I can tell you is that I made the most moist cookies I had ever made in my life. My family loved them and I didn’t even tell them what I had done. They were just crispy soft and absolutely perfect.
Here are some more awesome recipe swaps from Greatest!
Check it out!
Credit Cards are a dangerous business. Some of us use them to finance things they should not purchase…some don’t. Sometimes they are the only answer when you need to pay for an emergency. Bottom line is we ALL need to be careful of credit cards. With all that said I have some hacks to get the most out of responsible credit management.
- Stack your benefits – I use my Chase Southwest Card as much as I can. It has an annual fee of $99 but that is balanced with free points for air travel. I pay for EVERYTHING that I can on that card, then I pay it off at the end of the month. I use the points to buy air travel for vacations…winner me. The reason this works so well is that I travel for a living and the points add up quickly. Also, there are some additional benefits like car insurance when you rent a car.
- Use cash back – if you have a Discover Card you can use your cash back to pay your bill and/or to pay for items on Amazon. The interest rate is 20% which is VERY high. You MUST pay off the balance at the end of the month to make it worthwhile. Also, don’t forget to sign up for the quarterly 5% bonuses.
- If you have a Visa or Master Card from a gas station please make sure that it is ‘no annual fee’. Usually those cards offer extra points on gas station purchases and sometimes even a discount per gallon at the pump…read the terms carefully.
- The last on my list is American Express. The AmEx Blue Cash Preferred (review on nerd wallet) with a high rewards rate (6%) on a max of $6k on groceries (per year) with unlimited 3% on department stores and gas, and 1% everywhere else.