If you have a high deductible health insurance plan (one that you don’t pay a co-pay to see the doctor but pay for everything until you’ve met your deductible) then you NEED to have a Health Saving Account (HSA) with it!
I just saw today that Fidelity, one of the leading investment firms, now has Fee-Free HSA Accounts.
- No monthly maintenance fee no matter the balance.
- No fees to invest your money.
- No fee to use your debit card or remove funds.
Having your HSA in an investment account is massively better than having an account at your local bank that earns less than 1% interest! We’ve have an account that has been earning between 4-5% interest for the last year through investments.
What is a Health Saving Account?
HSA accounts are only allowed with high deductible plans, and are a great way to save money tax-free! You put money in tax-free plus as long as you use the money for health related expenses it comes out tax-free too. The best part… you can have the money in investment accounts earning great returns, all tax-free!!
You have to contribute money by the end of calendar year to count on this years taxes, but you do not have to use the money. You can keep putting in your full deductible amount up to $7000 per year and possibly never use it. When the day comes that you do need it though, the money is all there, plus all your earnings, tax-free!
Do We Need It?
Even if you have no tax liability at the end of the year you are still eligible for an HSA and it can end up helping you remain tax free as well. The money you invest comes off as an “above the line” deduction reducing your Adjusted Gross Income. That means you’re saving money before anything even comes out for taxes. This decreases your taxable income and could potentially drop you into a lower tax bracket. Contributing to a 401k also has this affect (so do that too)!
Use this new FoodSaver coupon code to get up to $215 off your purchase! Now is a great time to buy one of these machines if you don’t have one yet.
FoodSaver Coupon Code
Enter code SAVENOW at checkout to get this offer
Deal Ideas:
The NEW FoodSaver GameSaver Big Gam GM710 Food Preservation System – $249.99
Use code SAVENOW to get $160 off
Makes it $89.99!
The FoodSaver 5800 Series 2-In-1 Automatic Bag-Making Vacuum Sealing System – $369.99
Use code SAVENOW to get $215 off
Makes it $154.99!
Offer valid through tomorrow, 10/16. Free Shipping for FreshBucks members otherwise, free shipping on $50+ purchases.
See more online shopping.
Right now, you can grab a bottle of Sundown Organics Vitamins for FREE at CVS! Combine a sale with a high-value insert coupon to get this deal.
See the full CVS Ad for more great deals.
- Buy:
Sundown Organics Vitamins, $9.99 (ends 10/26)
Use:
-$10 off Sundown Organics Non-GMO product, limit 1, RMN 10/06
Makes it FREE!
We have lots of new coupons today, save on So Delicious, Aveeno, Claritin and much more. Plus, checkout the great coupon deals, like FREE Protein Pancake mix!
Coupon Deals
Get the Deal
Get the Deal
Hurry over to Amazon where you can grab these Harry Potter Lego sets for 20% off! Prices start at $16 and prices can change at any time.
Deal Ideas:
LEGO Harry Potter and The Prisoner of Azkaban Expecto Patronum Building Kit – $16 (reg. $19.99)
LEGO Harry Potter and The Prisoner of Azkaban Knight Bus Building Kit – $32 (reg. $39.99)
LEGO Harry Potter Hagrid’s Hut: Buckbeak’s Rescue Toy Hut Building Set – $48 (reg. $59.99)
Shipping is free with a $25+ order or with your Prime account. These prices can change at anytime, so hurry and grab this deal while you can.
See more great Amazon deals!
Save on Finish dishwasher detergent pacs and rinse aid, right now at Kroger! Use the newspaper insert coupons below to get them starting at 99¢.
Kroger Deals (end 10/22)
- Finish Jet Dry Rinse Aid, 8.45 oz, $3.29
-$2 off Finish Jet Dry Rinse Aid, limit 2, SS 09/29
(makes it $1.29) - Finish Automatic Dishwasher Detergent Pacs, 12-20 ct., $2.99
Finish Automatic Dishwashing Detergent Pacs, 20-32 ct., $4.99
-$1 off Finish Premium Monodose Dishwashing Detergent, 20 ct.+, Kroger eCoupon
-$1 off Finish Max in One, limit 2, SS 09/29
-$2 off Finish Quantum, limit 2, SS 09/29
(use $2 off, makes it 99¢)
Through Monday night, head over and get 25% off the entire site at DaySpring.com with coupon code FAMILY.
This even works on sale items, like their favorite Adult Coloring books that are already 50% off!
Tip: Sign up for their emails you’ll also get a free shipping code you can use on your order.
Here are a few ideas of the deals you can grab…
Amazing Grace Coloring Book, $6.50 (reg. $12.99)
-25% off with FAMILY
makes it $4.87
It is Well With My Soul Coloring Book, $6.50 (reg. $12.99)
-25% off with FAMILY
makes it $4.87
Whatever is Lovely Coloring Book, $7.50 (reg. $14.99)
-25% off with FAMILY
makes it $4.87
Coffee Mugs, $5 (reg. $9.99)
-25% off with FAMILY
makes it $3.75
Extra 25% off ends Monday, 10/14. Read More→
Through Saturday, 10/19, head to Target or Target.com and get Our Generation Dolls and Accessories on sale. Plus use a new 20% off Target Circle (formerly Cartwheel) offer on top of the sales!
You can shop online or in-stores. If you shop online you need to select for in-store pickup to be able to apply the Circle offer.
Our Generation Deals
Our Generation Doll $21.99 (reg. $24.99)
-20% off Circle Offer
makes it $17.59
Our Generation Deluxe Dolls $34.99
-20% off Circle Offer
makes it $27.99
Our Generation Food Truck Accessory Set, $99.99 (reg. $119.99)
-20% off Circle Offer
makes it $79.99
Our Generation Horses, various, $29.99 (reg. $34.99)
-20% off Circle Offer
makes it $23.99
If you’ve been around for a while, you know that one of my huge passions is Operation Christmas Child. Our family works together to pack boxes every year and we’ve helped with collecting boxes as well as working at the OCC warehouse. One year, I even got to go to Haiti to deliver boxes in person! If you don’t know what I’m talking about, you can check out the Operation Christmas Child website. This year, the national collection week for shoeboxes is November 18-25.
This is such a great family project to do as Christmas approaches. One idea is to do a box that matches the age and gender of each of your children, and then let your kids help with the shopping, encouraging them to pick out the kinds of things they think they would like to receive.
Operation Christmas Child Ideas for 2019
The Basics
As I said before, the national collection week is toward the end of November, so even if it feels strange to already be thinking about Christmas, now is a great time to get started. All you’ll need to do is just find a shoebox and start packing! You’ll also want to be sure to include a $9 donation that helps cover the cost of transportation.
What to Pack
There are resources on the OCC website for what to pack, but you can also check out a post I did several years ago that includes a video on what to pack. The great thing is, many of the best things to pack are things you can get for cheap or free—school supplies, personal care items, etc.
There are also some things you shouldn’t pack. The website lists the following: candy; toothpaste; gum; used or damaged items; war-related items such as toy guns, knives, or military figures; chocolate or food; seeds; fruit rolls or other fruit snacks; drink mixes (powdered or liquid); liquids or lotions; medications or vitamins; breakable items such as snow globes or glass containers; aerosol cans.
Over the years, I’ve written several posts with ideas for what to pack:
65 Ideas for Things to Pack in Operation Christmas Child Boxes
DIY Operation Christmas Child Crafts
Top Ideas for What to Pack from Amazon
Have you done Operation Christmas Child before? Share your tips and experiences in the comments!
