Last night I worked at my part time job. I am a sales associate at Ann Taylor LOFT clothing store. Since me and the sales lead were closing, we were responsible for getting the next days sales signage out on the floor. I found out that the 60% off sales items (which is more than my 50% discount) was changing to 40% today. I decided to buy my sister in law a birthday present, her birthday is next week. It was $4.33 for a long sleeve T-shirt. I dumped out all my change in my wallet. I was a few cents short. Oh well, I decided to put the difference, .33 cents on my debit card. The sales lead that I was working with offered to pay the difference out of her own pocket. I told her it was ok. She insisted and wouldn't take my card. So, as a gift to her for her kindness I am putting together a small gift bag of toiletry items that I have in my stockpile. She is a student living away from home (Illinois) and the items are things we could all use like, toothpaste, floss, razors, etc. Plus she is interested in couponing and I want to show her what a benefit it is.
Today I went to pick up a prescription refill at the pharmacy. Our health insurance policy has a $100 deductible towards prescriptions per person, per year. The co-pay was $30 plus the $100 deductible. Fortunately, through my husband Joel's employer we have a Health Care Flex Spending Account. They give us a credit card to use which makes it so easy. The last time we had a flex account with a different employer we had to pay out of pocket then send a receipt, then get reimbursed. So, today instead of having to take $130 out of my own pocket, I took care of it with the flex spending account credit card. This has come in very handy for Leo's braces too. Since insurance only covers half and we have to pay half. I set up payments that are automatically withdrawn from the flex account credit card. It's been a great benefit! I am so grateful for it.
So there you have it.... I have now spent $4.00 for the month on non-essentials. But I don't regret it. We invited my sister in law over on Sunday for a birthday dinner that I will be making. Usually we all go out to dinner but, that is definitely not part of the plan this month. Annie and I also plan on baking her a cake. At least now we can give her a gift too. However small it may be.
Today I went to pick up a prescription refill at the pharmacy. Our health insurance policy has a $100 deductible towards prescriptions per person, per year. The co-pay was $30 plus the $100 deductible. Fortunately, through my husband Joel's employer we have a Health Care Flex Spending Account. They give us a credit card to use which makes it so easy. The last time we had a flex account with a different employer we had to pay out of pocket then send a receipt, then get reimbursed. So, today instead of having to take $130 out of my own pocket, I took care of it with the flex spending account credit card. This has come in very handy for Leo's braces too. Since insurance only covers half and we have to pay half. I set up payments that are automatically withdrawn from the flex account credit card. It's been a great benefit! I am so grateful for it.
So there you have it.... I have now spent $4.00 for the month on non-essentials. But I don't regret it. We invited my sister in law over on Sunday for a birthday dinner that I will be making. Usually we all go out to dinner but, that is definitely not part of the plan this month. Annie and I also plan on baking her a cake. At least now we can give her a gift too. However small it may be.
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