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Frugal Living

These Companies Are Continuing To Change Insurance As We Know It

This is a sponsored post, but all opinions are my own. 

Best Insurance Companies

Every time I get on the internet now I feel like I see my friends constantly looking for the most affordable insurance options.  A while ago I decided it was time to review my home and car insurance. Not my favorite task, but it’s become a lot easier since I started using Clearsurance. Clearsurance is a website that collects reviews from people about their insurance company and uses the data it gathers to create unbiased rankings of insurance companies, both by state and nationally for 2018. The detailed breakdown helps you compare companies and find coverage that’s actually the best deal for your location and history.

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Join Me at the Florida Prepaid #StartingisBelieving Twitter Chat!

This is a sponsored post on behalf of Bloggin’ Mamas & the Florida Prepaid College Board. All opinions expressed are my own.

The Florida Prepaid College Savings Plan open enrollment period is almost over!!! This is the one time each year in which you can sign up for one of five plans. The open enrollment period runs through February 28th, 2018. To learn more about these plans, visit: MyFloridaPrepaid.com Check out this new FAQ page if you have specific questions and if you decide to sign-up for a plan, use my code: LIFE1718 to receive $25 off the application fee (normally $50).

#StartingIsBelieving Twit­ter Chat

Join Blog­gin Mamas & Florida Prepaid as we host the #StartingIsBelieving Twit­ter Chat on Thurs­day, 2/8/18 at 9p EST! Join us as we discuss saving for your child’s future using Florida Prepaid College Savings Plans, as well as the open enrollment period that will be ending very soon! (Plus, there will be some prizes too!)

Date: Thursday, February 8, 2018

Time: 9:00–10:00pm EST / 6:00–7:00pm PST

Hash­tag: #StartingIsBelieving

Spon­sored By: @FloridaPrepaid

Pre­sented by: @BlogginMamas

Mod­er­a­tors: Eng­lish– @HeLoEnterprises Span­ish– @BBabushka

Co-hosts: @zipporahs @SunnySweetDays @MommyMafia @JustMarlaZ @RealAdviceGal

@TopNotchBlog @ModernBocaMom @OurPotluckFam @WorkingMomMagic

@xxplumcrazeexx@MakeItAllWork @FunMoneyMom @Faithful_Mommie @eatdrinkandsave

@essentialerika@DiscoverSelf @momneedsabottle @lifealalatina @mommyhoodlife @paulabendfeldt

@mamainthenow @coolchillmom @summerlendavis @livingmoneywise @casamoncada

@mujerVersatil@Mom_Junky

  1. We will be focusing on the importance of savings for college. Florida Prepaid Open Enrollment, which is ending on 2/28/18.
  2. There are different options in higher education – colleges, universities, technical degrees and Florida Prepaid has 5 different plan options to cover any route. We will share them with you during the chat.
  3. We are also going to de-bunk some of the myths you may have heard about Florida Prepaid College Savings Plans.

Dur­ing the Twit­ter Chat there will be a chance to win one of the fol­low­ing prizes by answer­ing var­i­ous ques­tions. Win­ners will be selected at ran­dom from all eli­gi­ble entries.

Prizes

5- Florida Prepaid Prize Packs, including items like Slingpack or Backpack, water bottles, Frisbee, wristbands, and pencil pouches. ARV $150

RSVP Prize

1– Florida Prepaid Prize Packs, including items like Slingpack or Backpack, water bottles, Frisbee, wristbands, and pencil pouches. ARV $150

Tweet­share:

Terms and Conditions

NO PURCHASE OR PAYMENT NECESSARY. A PURCHASE WILL NOT IMPROVE YOUR CHANCE OF WINNING.

By RSVP’ing to this event and uti­liz­ing the #StartingIsBelieving hash­tag, the atten­dees acknowl­edge hav­ing read and agreed to these terms and conditions.

Twit­ter Party Prize Give­away begins February 8th, 2018 at 9:00 pm ET and ends no later than February 8th, 2017 at 10:30pm ET (the “Twit­ter Party Entry Period”). Entrants enter via fol­low­ing @FloridaPrepaid and @BlogginMamas, and post­ing a tweet with the #StartingIsBelieving hash­tag dur­ing the Twit­ter Party Entry Period. Five (5) Win­ners will be drawn ran­domly by random.org at approx­i­mately 12 minute inter­vals dur­ing the Twit­ter Party Entry Period. One (1) Win­ner will be drawn ran­domly via random.org from the event RSVP’s on the Mr. Linky widget.

Prizes include:

One (1) Florida Prepaid Prize Packs including items like a Slingpack or Backpack, water bottles, Frisbee, wristbands, and pencil pouches. ARV $150. Total approx­i­mate retail value (“ARV”) $150, for each of five (5) winners.

One (1) Florida Prepaid Prize Packs including items like a Slingpack or Backpack, water bottles, Frisbee, wristbands, and pencil pouches. Total approx­i­mate retail value (“ARV”) $150, awarded to one (1) win­ner who RSVP’s via the Mr. Linky widget.

Each win­ner receives one (1) prize pack. Entrants who fail to com­plete said actions will be dis­qual­i­fied and an alter­nate win­ner will be selected from all entrants who entered dur­ing the Twit­ter Party Entry Period. Win­ners will be noti­fied via DM (Direct Mes­sage) on Twit­ter with a request for an email address to send prize claim infor­ma­tion. Win­ners will have 48 hours to complete the prize claim form or an alter­nate win­ner will be selected from amongst all entries received dur­ing the Twit­ter Party Entry Period. All prizes will be awarded pro­vided they are validly claimed by February 12th, 2018 at 11:59AM EST.

Entrants agree to release and hold harm­less the Blog­gin’ Mamas, Heather Lopez Enter­prises, LLC, Florida Prepaid, Moore Communications, Twit­ter, and any other orga­ni­za­tions respon­si­ble for spon­sor­ing, ful­fill­ing, admin­is­ter­ing, adver­tis­ing or pro­mot­ing this give­away, and their respec­tive par­ent, sub­sidiaries, and affil­i­ates and each of their respec­tive offi­cers, direc­tors, mem­bers, employ­ees, agents and sub­con­trac­tors (col­lec­tively the “Released Par­ties”) from and against any and all claims, expenses, and lia­bil­ity, includ­ing but not lim­ited to neg­li­gence and dam­ages of any kind to per­sons and prop­erty, includ­ing but not lim­ited to inva­sion of pri­vacy (under appro­pri­a­tion, intru­sion, pub­lic dis­clo­sure of pri­vate facts, false light in the pub­lic eye or other legal the­ory), defama­tion, slan­der, libel, vio­la­tion of right of pub­lic­ity, infringe­ment of trade­mark, copy­right or other intel­lec­tual prop­erty rights, prop­erty dam­age, or death or per­sonal injury aris­ing out of or relat­ing to a participant’s entry, cre­ation of an entry or sub­mis­sion of an entry, par­tic­i­pa­tion in this give­away, accep­tance or use or mis­use of prize. Entrant agrees to indem­nify, defend and hold harm­less the Released Par­ties from and against any and all claims, expenses, and lia­bil­i­ties (includ­ing rea­son­able attorney’s fees) aris­ing out of or relat­ing to an entrant’s par­tic­i­pa­tion in this give­away and/or entrant’s accep­tance, use or mis­use of prize, includ­ing, with­out lim­i­ta­tion, lia­bil­ity for per­sonal injury, dam­age, or loss.

The Released Par­ties make no war­ranties, and hereby dis­claims any and all war­ranties, express or implied, con­cern­ing any prize fur­nished in con­nec­tion with the give­away.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, SUCH PRIZES ARE PROVIDEDAS ISWITHOUT

WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND THE RELEASED PARTIES HEREBY DISCLAIM ALL

SUCH WARRANTIES, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANT ABILITY,

FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT.

You don’t have to wait for the chat to enroll. Sign up now at MyFloridaPrepaid.com use my code: Social1718 to receive $25 off the application fee (normally $50).

Dis­clo­sure: Blog­gin’ Mamas is being com­pen­sated for man­ag­ing this Twit­ter Party. Indi­vid­ual co-hosts are being com­pen­sated for their par­tic­i­pa­tion. All prize ful­fill­ment is the respon­si­bil­ity of the sponsor.

New Year, New Financial Goals!

This post is sponsored by the Florida Prepaid College Board, through my role as a Believer Blogger. All thoughts are my own.

With the New Year comes new goals and decisions, this year one of the biggest areas of change my family is focusing on is our finances.  When I went off to college I didn’t realize the debt I was racking up as I took out loan after loan.

Then after graduation, I was left with a life-altering monthly payment on a debt that seemed insurmountable.  This is a weight I never want my children to have to carry when they graduate from college.

  Living debt free is our ultimate goal for this year, and it is a headstart I want to be able to give my children for their future too.  

Student loan debt has reached $1 trillion of debt among Americans, and I don’t want my children to face crippling debt as a result of getting an education.  Luckily Florida Prepaid makes it easy to start saving for their college education now!

What is Florida Prepaid College?

The Florida Prepaid College Plan is the largest, most successful, longest-running prepaid tuition program in the nation!  Florida Prepaid is helping parents and students prepare for college and making planning for the future a lot easier.  300,000 students have already attended college using Florida Prepaid!

THE PLANS

Florida Prepaid offers 5 savings plans, giving you the flexibility to choose one that fits your family’s needs. With plans starting as low as $47 saving for college is now possible.  Here is some more about these great plans:

2-Year Florida College Plan: Covers tuition and other specified fees for 60 lower division credit hours at a Florida College.

4-Year Florida College Plan: Covers tuition and other specified fees for 60 lower division credit hours and 60 upper division credit hours at a Florida College

2 + 2 Florida Plan: Covers tuition, tuition differential fee and other specified fees for 60 lower division credit hours at a Florida College and 60 credit hours at a State University.

1-YearFlorida University Plan: Covers tuition, tuition differential fee and other specified fees at a State University for 30 credit hours

4-Year Florida University Plan: Covers tuition, tuition differential fee and other specified fees at a State University for 120 credit hours
Learn more about which plan is right for your family here!

OPEN ENROLLMENT!
The Florida Prepaid College Board’s annual Open Enrollment period is Oct. 15, 2017 – Feb. 28, 2018.  Enroll now and use promo code: 

Life1718 to save $25 on your application fee!

ABLEnow is Helping People with Disabilities gain Greater Financial Independence!

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I vividly remember all the feelings and thoughts that went through my head when Aidan was diagnosed with Autism.  I remember worrying about the “right now” problems as I sat in the doctor’s office, how do I get him the right classroom, are medications the right options, how much are his therapies going to cost, why him?  After I left the doctors armed with a folder jam packed with referrals and reading pantalets, I drove home with a sleeping toddler in the backseat and that’s when the future started to really play games with my head.  What if he couldn’t get through school, what if he couldn’t work, what ifs were swirling through my brain so fast that I hardly had time to imagine an outcome.  The biggest what if was, what if we don’t have the financial resources to help him prosper and be self-sufficient.  We have been through a lot of ups and downs since that day 6 years ago, and I have learned a lot along the way and I’m still learning.  I only recently learned about the ABLEnow program, and I was honored when they asked to partner with me on this sponsored post.

The cost of a disability like autism is incredibly overwhelming, between medications, therapies, specialists, exc. and many don’t understand that even with private health insurances the copayments alone are enough to put families in debt.  Luckily, we live in a country that offers public benefits for people with disabilities based on their income.  However, for far too long people with disabilities could not save for the future without the possibility of losing their public benefits.

When Aidan was first diagnosed, he had already been expelled from 2 daycare programs and his lack of safety awareness became such a source of anxiety that I could no longer leave him with anyone besides immediate family who were educated about his needs.  I had to leave my job, my husband was working full time, but his job did not offer benefits, and times got tough.  We ended up being able to get Aidan on Supplemental Security Income and Medicaid, which helped tremendously, however we could not have over a certain amount in savings and assets to remain eligible. 

At the time I was hopeful we would only need these services for a short time.  However, the idea that he would need these services as an adult to be able to achieve a more independent life has always been a strong possibility.  The thought that he would not be able to save for the future and be able to achieve some of the same financial dreams that his non-disabled peers out of fear of losing these much needed benefits, was heart breaking.  Luckily advocates fought hard to change this, resulting in the federal ABLE Act and the new ABLEnow program.

ABLEnow gives people with disabilities the power to achieve a greater independence, financial security and a quality of life that was not possible before.

For the first time, eligible individuals can save and invest in a simple, affordable and tax-advantaged ABLEnow account without jeopardizing their eligibility for certain benefits that are critical to their health and well-being, such as Medicaid and Supplemental Security Income (SSI).  This is gives people with disabilities and their caregivers peace of mind that we did not think was achievable prior to ABLEnow. 

An ABLEnow account can pay for a variety of qualified expenses related to maintaining health, independence and quality of life, such as housing and living expenses.
It gives individuals a greater sense of financial independence and a reliable tool to build the best life possible.

Are you disabled?  Or are you caring for someone with a disability?  Opening and managing an ABLEnow account can be done online and are free to start, Learn more today!

This is a sponsored post written by me on behalf of ABLEnow.

Florida Prepaid Open Enrollment and Scholarship Giveaway!

This post is sponsored by the Florida Prepaid College Board, through my role as a Believer Blogger. All thoughts are my own.

Growing up in a Massachusetts middle class family where sometimes money got tight, I knew going to college was going to require a lot of hard work, student loans, and saving.  My parents helped both my brother and I with as much of the tuition costs as they could, and took out parent loans, but at the end of school we both faced mounting student loan debts.

This was over 10 years ago, and the cost of college has only risen since then!  Now I am a mom living the middle-class life, with three children of my own to get through college.  Like most moms I dream of my children going off to college to fulfill their own passions in life, and like most moms I hate the idea that this could force them into debt.  However, we live in Florida now and I am thrilled to learn about Florida Prepaid College Savings Plans.

What is Florida Prepaid College?

The Florida Prepaid College Plan is the largest, most successful, longest-running prepaid tuition program in the nation!  Florida Prepaid is helping parents and students prepare for college and making planning for the future a lot easier.  300,000 students thave already attended college using Florida Prepaid!

The Plans

Florida Prepaid offers 5 savings plans, giving you the flexibility to choose one that fits your family’s needs. With plans starting as low as $46.61 saving for college is now possible.  Here is some more about these great plans:

2-Year Florida College Plan: Covers tuition and other specified fees for 60 lower division credit hours at a Florida College.

4-Year Florida College Plan: Covers tuition and other specified fees for 60 lower division credit hours and 60 upper division credit hours at a Florida College

2 + 2 Florida Plan: Covers tuition, tuition differential fee and other specified fees for 60 lower division credit hours at a Florida College and 60 credit hours at a State University.

1-Year Florida University Plan: Covers tuition, tuition differential fee and other specified fees at a State University for 30 credit hours

4-Year Florida University Plan: Covers tuition, tuition differential fee and other specified fees at a State University for 120 credit hours

Learn more about which plan is right for your family here!

Open Enrollment!

The Florida Prepaid College Board’s annual Open Enrollment period is Oct. 15, 2017 – Feb. 28, 2018.  Enroll now and use promo code:
Life1718 to save $25 on your application fee!

Florida Prepaid College Scholarship Giveaway!

Enter the Florida Prepaid Scholarship Contest through October 29th, 2017. 
Participants can register to win one of ten, 2-Year Florida College Plans here.  Plus, you can earn extra entries by answering questions, learning more about saving for college and sharing on social media.

 There will also be chances to win a total of 50 weekly prizes. So, enter, share with friends and family so they can enter, and keep going back to the site every day to learn more and get extra chances to win!

We also have a special code for you!  Simply enter BLOG1718 into the scholarship entry form for an extra 10 contest entries!

This is an amazing contest that will surely change the future of 10 lucky individuals!

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