Thursday, June 4, 2015

Prescriptions Not Covered by Insurance? Take a Good Look at GoodRx.com!





As good as our insurance coverage may be, there are those prescriptions which are just not covered.  For example, your doctor gives you something to help with spots on your skin.  The spots are not serious, they just show up on your skin as a sign of getting older!

Now the prescription is considered "cosmetic" and most likely is not covered.

There is a site to go to:  GoodRx.com,  which may offer you a coupon for a discount on the retail price of the prescription, considering you are buying it with or without insurance coverage. And because GoodRx.com compares pricing amongst pharmacies, you can shop at the best priced one.

I used it the other day and truthfully, I was shocked that it actually worked. The only caveat is that the price you are quoted on the site COULD vary once the prescription is placed. Mine was a $3.00 difference.  I called GoodRX and they did confirm that all pricing is an estimate and it can vary.  I guess if you don't like the final pricing, you can refuse the prescription at time of pick up, as you can do with any prescription you fill.

Check out the site: goodrx.com

It works with or without insurance. I would think that what your co-pay is will determine if you want to use the site or not. I priced one of my generic prescriptions covered by my insurance and found that my co-pay was much less than what the site offered. It does NOT work with Medicaid or Medicare or any Federal or State funded program.

For those with pets, you can also find coupons and pricing for their prescriptions. The beauty of this site is that you get the pricing and can decide to use it or not.  

I did it all online and sent myself an email with the coupon info.  If you do it in a store using the app, just make sure you have service on the phone.  The store I was in yesterday had the pharmacy one flight down from the street and I had no cell service, so I was glad that I had already opened the email I had sent myself before I got there. 

Good to do business with GoodRx.com.  Nice to save some money whenever we can!

Thursday, April 23, 2015

Macy's Should Be Known As Incompetence, Inc.



I shop online most of the time.  Anything is better than having to go into a store and wait in a long line whenever they have a sale.

Last week I ventured onto Macy's website because they seemed to be having a good sale. Very rarely do I shop at this site or in the store but I thought I would try it.

After doing my research and putting the right items in my cart, I checked out. Mission accomplished.

Not so, as of the next day when they now offered a 15% additional discount on what I just bought.  It was not even 24 hours after I placed the order.

Being who I am,  I called up customer service to see if they would give me the additional discount or maybe I would just cancel the order and start from scratch.

Speaking with the rep, I just lost all of my energy because she was inept and didn't grasp what I wanted to do.  I had to end the call before I "lost it."

I called back a little later and after explaining the reason for my call, which this second rep understood, she informed me that there was a change to one of the items in my cart, so that what I wanted the discount on was actually not in my cart.  A substitution was made.  She could not tell me who changed it since I certainly didn't.  Now we were dealing with a different issue altogether.  The item I originally ordered was a comforter which was a Down alternative.  The one which now appeared in my cart was not listed as a Down Alternative.  The rep said it was made of Down.  At that point, she nor I had a clue as to what happened so I asked for a supervisor.

Finally someone came back to the phone.  I needed to start the saga all over again.  He told me that he would order the correct one for me, ship it for free, give me the discount and will call UPS to intercept the "incorrect" one for a pick up.   He said the problem must be with Macy's.  No kidding! Now I had to explain that the original one was shipped with other items, so that if he asks UPS to intercept the package before it is delivered, I wouldn't get my other items.

Now he was perplexed. I suggested that he does not ask UPS to return it, but rather let me receive it, take out the other items from the package, then call him for a merchandise pick up.  He agreed but I still did not know if he understood.

Guess what?  Both packages arrived and they were the same exact item! Go figure that one out.  I called today to ask for a pick up and was told that it takes 10-12 business days for UPS to come for the package.  They also said that UPS will send me an email letting me know when they are coming. I am not holding my breath about any of this and will have to check back with Macy's customer service if no email arrives.

Will I ever shop online at Macy's again?  No way, no matter what price point they offer.  So much of my time was wasted so it was not money well spent.

And that is just not right.

Alert:  Today on their site the item is now $20 more, but there is a 20% coupon.  How can anyone shop that way?

Wednesday, March 25, 2015

No Keurig Coffee "Cups" in my Landfill






With all the negative publicity about how many Keurig coffee "cups" are in landfills, a company has come out with Biodegradable coffee "cups" which work in the original Keurig machines.

The article below, written in 2013 states that the coffee "cups" are 97% biodegradable.  I reached out to the company for an update and as of this writing, have not heard back. I know they were working on making the "cups" 100% biodegradable.

Even so, 97% less for the landfills is a great start:

http://www.rogersfamilyco.com/index.php/mystery-bio-degradable-onecup-revealed/

Aside from these coffee "cups" Rogers Family Coffee Company sells great coffee beans, a good amount of which is organic.  I use the whole coffee beans in my Jura Capresso machine and totally enjoy the taste.  Choose from Zen Blend, Rainforest Blend, Hurricane Espresso to name a few.  There is even one called Gorilla Decaf!  The coffee "cups" are also available in a variety of flavors and types.

For those with a Keurig 2.0 which only allows use of actual Keurig cups, there is now a "Freedom Clip" so that you can use these coffee "cups" from Rogers Family Coffee Company:

https://www.gourmet-coffee.com/Keurig-DRM-Freedom-Clip.html 

Hope you enjoy your morning coffee!

Thursday, February 26, 2015

Bed Bath and Beyond: Customer Service Is Beyond Expectations








The other day I was searching for a specific humidifier which I did find at numerous stores.  The price points varied as well as shipping fees.  As I pride myself on being a conscientious consumer, my first thought was to buy it at Bed Bath and Beyond and use a 20% off coupon.

My problem was that the item was not in any of the stores near me, but available online.

Ah, although I have lots of coupons for the store, I didn't have one to use for an online purchase.

Writing to Customer Service got me a rapid response.  Here is what they wrote:

"Thank your for your email.  If you choose to place your order online, you can take the invoice, coupon and credit card used to make the purchase to any of our stores and you will be credited for the discount amount. You also have the option to visit your local store to place the online order.  Payment is processed at the register, so you will be allowed to apply your coupons.  Please note that stores cannot accept coupons over the phone."

How is that for exceptional customer service as well as an exceptional store policy?

FYI:  if you sign up for emails from Bed Bath and Beyond, every now and then you will get an offer for an Online Coupon. Yes, it has an expiration date, but nice to know if you do want to order online and don't want to make a trip to the store.

Considering the magnitude of items available on their website, I am happy to have learned that I never need to be concerned about getting my discount...and I love my discounts!

Thursday, August 14, 2014

As Billy Joel said, "I'm Moving Out!"



There is no such thing as an easy move unless you are in a college dorm!  But then you may have had your parents helping you so you were not alone.

For the past two months we have been going through each room and storage area in the house and just shake our heads at how much we accumulated in almost 14 years in our home.  That is not counting the other 16 years of living in our previous home where the contents came along with us to our current one.

As I have now stated to anyone who will listen, there is no such thing as "What If?"  I will no longer say that we have to save something because what if we need it later? What if the kids want to see the cards they sent us when they were in Kindergarten?  What if I gain weight and I need to wear my old jeans?  What if I need that 40th basket or glass vase?

Out it all will go but at least we were able to donate so much to some organizations which do need those things.

Cleaning out is not only tedious and dirty, it is back breaking and neck hurting. Not to mention that I cut myself on a broken hanger.  Someone asked me why we didn't have help doing all this, and I answered that a stranger could not help us go through 30 years of memories before throwing it all out.   

Last week I was working in the last room of the basement and found a shopping bag buried under 5 cargo bags which have not been used since our daughters stopped going to camp.  I could not imagine what was in that shopping bag so I took it upstairs and started going through it.

I had to call my husband and tell him what I had found...all his "drawings" of me when we first dated and then when I was pregnant.  I laughed so hard at the captions to the drawings that tears came down and actually smudged the ink on the pages!  These are definitely a book in the making. Ok, so I was happy that I had not thrown this out. And I am going to keep these precious drawings until I can scan them and put them on a USB drive.

We think that saving all our kids' everything is great and that they will want all of it when they get older.  But the truth is, or at least in my situation, they loved seeing it all, took some photos and then said it was ok to throw away. They have no room to store any of it!  

More and more people I speak with tell me how much they save.  I tell them my story.  They say that is good to know, but I know that most of them will continue to save and save. It seems to be human nature.

Please remember that if you find yourself in a similar situation, you can always call Big Brothers Big Sisters at 1-877-399-2570 or schedule a pick up at:  www.bbbsdonate.org.  They will come to your house with a truck to get your items.  Also call the Vietnam Veterans of America at 1-800-775-8337 or go online to schedule a pick up at: www.scheduleapickup.com. Both groups are wonderful and are so grateful for your donations. Just be aware of what they won't take, such as TV's and they can't take anything that 1 person can't pick up by themselves, like a big sofa.

Needless to say, we don't ever want to experience this again. If we never save a paint can again, it will be too soon.



Thursday, March 6, 2014

FICO SCORES: The Ups and Downs

Nothing in life is simple.

When using your credit card, if you keep to under your spending limit your FICO score likes this.

When you then charge so much that you are very close to your credit spending limit, your FICO score will go down.

Why?  Read the quote below and see why no matter what you do, it is a "catch 22" situation. But what I leaned is that your FICO score keeps changing so one month it may be better than another due to your spending activities and how you are paying for them.

So one month you charge a good deal and the next month you don't owe too much.  Your score will be revised.

If asking for a credit increase is not for you, then try making a partial payment during your billing cycle to then open up your credit availability during that billing cycle's period.

Here is the quote:

  1. Proportion of balances to crdt limits is too high on bank / revolving accts  Hide details
  2. Consumers who use a high percentage of their available credit (generally known as utilization) have a higher risk of delinquency (falling behind on payments) and charge-off (loan default) over time. Lower use of available credit allows consumers who have the need to temporarily carry higher loan balances to do so, because they have available credit on their accounts. Consumers with heavier credit usage cannot absorb changes to their financial situation as easily, which can lead to higher risk over time. Keeping credit balances lower in relation to available credit will help reduce the negative impact on a credit score over time.

Credit Card Credit Limit Ceiling...How High is Yours?



Did you ever try to have your credit limit increased on your credit card?  Were you successful?  If not, here is what you need to know about credit cards and your spending limits.

Let's say you spend, on average, an amount not too close to your limit.  Let's say the reasons you don't are either because you don't need to most of the time, or if you charge a large amount, you might use up your limit and not be able to use your card again in that billing period. If the latter applies to you call your card company to request an increase.

Your card company may have a voice prompted system for this request and you do not actually speak to anyone.  In a few days you find out you were denied the increase.  The reason:  in the past year you never needed an increase because your charges never reached close to your limit. Now you have to call to actually speak to a representative in the credit area.  So you say, "If I had a higher limit, I would be able to use the credit card more often, but since I don't, I can't use the card all the time. And the response you get is, "But because you don't get close to your limit, the bank doesn't see why you need an increase."  It is a "catch 22" situation.  You can't use something you don't have.  This has nothing to do with whether you can't afford it or your credit rating not being good enough.

Now the representative says that they will do a "manual" credit line increase request. They ask you if you have a mortage and the amount and then ask for your yearly income.  They then ask if you have a minimum amount you would accept for the increase. Done.  Next thing you know, you have the increase. Granted, this is not always the case, but this is most likely what happens when you do a manual request. (I cannot promise that every credit card company functions the same way.)

Of course I am not advocating that you should spend more than you can afford. It is good to know how to go about this and what to expect if you should need an increase. Funny thing is that if you did spend close to your limit all the time, the credit card company may increase your limit without you having to ask.

Please look for my upcoming post about how all this affects your FICO score.  It will be short and sweet.