Connie’s Home Biz

Powering Down-Saving Money on Utilities

Health care costs are at an all-time high and there seems to
be no end in sight. Unhealthy practices lead to unhealthy
people seeking more (and more expensive) medical care. And
as the general population ages, the costs of health care
will continue to spiral upwards. This article will discuss
four areas in which you can trim down your health-related
expenses: prescription drugs, habits, eating, and exercise.

Prescription Drugs

Since name-brand drugs are usually much more expensive than
their generic equivalents, ask your physician and pharmacist
for generic drugs whenever appropriate. Generic drugs are
federally regulated and must maintain the same standards as
the name-brand ones, so there is no need to worry about a
difference in quality.

Since pharmacies may charge widely different prices for the
same medicine, call several. When taking a drug for an
extended period of time (such as blood pressure or diabetic
medications), consider utilizing mail-order pharmacies,
which often charge lower prices and can ship several months’
supplies at one time, so you’re less likely to run out of a
medication.

Don’t ask your doctor for medications you don’t need (such
as widely overused antibiotics). Remember that you are not
the one who went through medical training. However, if your
doctor refuses a prescription that you feel you really need,
seek out a second opinion.

Habits

Quit smoking. Do you have a pack-a-day habit? In some
states, that’s a daily expense of about $5 – or about $1,800
a year. Add that to your savings! Also, by quitting smoking
you can apply for lower insurance rates on health, life and
disability insurance. Plus you’ll be saving yourself
smoking-related health expenses down the road.

Quit or cut back on alcohol consumption. Even that
occasional drink costs a pretty penny these days. Order a
less expensive alternative when eating out or on the town
with friends.

Eat Healthy

Cut out or drastically reduce fast food. Most fast food is
high in calories and fat and can be expensive when consumed
on a regular basis. When eating out, choose healthy
alternatives; many restaurants now specially note their
healthier items on their menus.

Brown bag your lunch and include plenty of healthy snacks.
Often you can eat twice as much if you choose healthier
alternatives. No need to go hungry, just pick the right
types of low fat foods. Get educated about eating right.

Become a part-time vegetarian. Try to have two or three
meatless days a week (avoid even fish, if it’s expensive in
your area). Or go vegetarian for several meals each day. You
will save money and be eating healthier.

Exercise

Exercise is the inseparable companion to all of the areas
discussed above. Exercise does more than just occupy a few
minutes of your time. Exercise is linked to lower rates of
depression, heart disease, diabetes, and other “plagues” of
our modern age. Make sure you clear your exercise program
with your doctor before beginning.

Make exercise a regular part of your routine. Exercise for
entertainment. A walk in the park or around the block with
friends or even by yourself can be an entertaining diversion
(and it’s free!). Exercise as a family for an extra dose of
fun.

You don’t need a gym membership to exercise. Find ways to
perform the same exercises at home or in the park. A set of
dumbbells is much cheaper than a yearly gym fee. The #1
exercise activity of choice is walking. It’s cheap and
enjoyable.

Remember, you’ve only got one body! Taking care of it should
be a priority for all of us. Take those prescriptions that
you do need and not those you don’t (under your doctor’s
advisement, of course). Eliminate unhealthy habits and
replace them with new ones. Put good, healthy food into your
body; it’s cheaper than the low-grade fuel you may have been
feeding it! Exercise for your mind and body. A healthy body
is a lot less expensive to maintain!

Author: Chemain Evans
************************************************************
© Simple Joe, Inc.
Chemain Evans is a quality control specialist for Simple Joe,
Inc., makers of the popular Simple Joe’s Expense Tracker PC
software. Expense Tracker is a quick and simple way to keep
track of your expenses and stay within your budget. Expense
Tracker (http://www.simplejoe.com/expensetracker/index2.htm)
is ideal for tracking personal, business, home and club
expenses.

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September 12, 2008 - Posted by | Saving Money Articles | , , , , , , , , , , , , , , , , , , , , , , ,

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