7 Money Saving Tips for Cold/Flu Season
You keep making the same mistake. When you're in the drug store picking up contact solution or toilet paper or a candy bar or condoms or a pregnancy test or hair dye or however you spend your week day evenings, you pass a sale on the invariably overpriced cold medicine and just walk on by.
Stop it. Stop it right now.
Cold and flu season is already hard enough on your body, your mental health, and your wallet, with drug stores carrying an average of 300 cold medicine products at any given time. Why are there so many products? It's not about what you need to remedy symptoms but about your spending power as a consumer, with reports tallying more than $30 billion spent on over-the-counter medication in 2017. The cornucopia of cold and flu products usually results in choice paralysis, as you stand in the aisle facing a barrage of information until you finally select whatever packaging looks more trustworthy or whichever one's had the most memorable commercial.
Don't fall for it. Consider these tips from pharmacists, doctors, and legions of people who barely get by on living wages but who've learned to hack the system during cold/flu season:
1. Buy Generic
Consider this: Pharmacists and doctors who have studied the ingredients in brand name medicine often buy the generic versions for themselves (up to 90% of the time, according to some surveys). With the power of Dr. Google (and all those skills acquired from those spot-the-differences games as a child), you can save a lot of money by just studying the ingredients on the boxes of brand name and generic versions. Learn the generic names of your medication, and you can save 20% to 50% on your cold medicine.
2. Search for Manufacturer's Coupons
If you simply prefer brand names and take comfort in the extra placebo effect, by all means indulge yourself. But you can also go to the manufacturer's website to find coupons. While you're waiting in the check-out line, take one moment to search on your phone to find that brand name medications like Zyrtec, Allegra, Tylenol, and Advil usually offer coupons and savings clubs through their websites.
3. Sign Up for a Discount Program
Similarly, discount programs like FamilyWize, GoodRx, and WellRx are easy-to-use apps that bring discount codes straight to your phone. These programs work with common drug stories like Walgreens, CVS, Target, Rite Aid, and Walmart.
4. Timing (Stock Up!)
Most manufacturers start offering coupons in late October, and when combined with in-store coupons, you can save double. So don't walk past sales on cold medicine just because that office bug hasn't hit you yet. It's best to stock up! Also keep in mind that cold medicine does expire, so check for boxes with the latest expiration date you can find.
5. Ask Your Pharmacist
A little known fact is that pharmacies will create their own saving programs to incentivize customers to shop there. As Caroline Carpenter, financial adviser and creator of the website mycouponexpert.com, told USA Today, "Almost all pharmacies do this, but you have to ask. 'Why?' They don't advertise it." Additionally, some pharmacists will even match competitors' prices if you can prove you can find it cheaper elsewhere.
6. Shop Smart: Don't Duplicate Ingredients
With similar ingredients appearing in multiple cold remedies, it's possible to overdo it and cause more harm than relief. So another reason you should familiarize yourself with the ingredients list is to make sure you don't go overboard with the acetaminophen (Tylenol). That won't help your wallet or your liver.
Ken Majkowski, chief pharmacy officer of FamilyWize, advises, "Most products have multiple ingredients that do the same thing. You just need two: one for day and one for night." Ideally, you should stock up on a non-drowsy decongestant for the daytime and a nice, sleepy Nyquil knock-off for the night.
7. Ask a Doctor for Free Samples
The next time you check in with a doctor to make sure your cough is just a cough and not the black lung or throat cancer (because who doesn't fall into a WebMD spiral from time to time?), ask for a free sample instead of a good-job lollipop. Doctors' offices often have an overstock of common medications like ibuprofen, and there's no harm in asking.
The reality is that medicine is undoubtedly, unfairly expensive, and it's only getting worse. Lea Prevel Katsanis, a former pharmaceutical marketing executive and author of Global Issues in Pharmaceutical Marketing, says, "Drug companies employ many scientists, physicians, marketing people, and others who really are motivated by helping others, but there are some industry leaders who don't get it. They just don't understand that when they raise the price of a drug by 300 percent, they get pushback."
But the good news is: We're all in this together (aside from the 0.8% of the world's population who hold 44.8% of the world's entire wealth, but screw them). So, yes, always wash your hands, get as much sleep as you can, and eat well, but when that cold inevitably hits you, demand to talk to the pharmacist and your local doctor. Self-advocate and demand the best healthcare you can get, and don't stop asking until you get it. As the wise slogan of the Area 51 raid said, "They can't stop all of us." With enough discontent, the system will be forced to change.
- 7 Energy-Saving Home Goods to Save You Money - PayPath ›
- How To Build The Best First Aid Kit - PayPath ›
- He Wanted Cold Medicine, but CVS Rejected His Puerto Rican ID ... ›
- Cough, Cold and Flu Medications | Walgreens ›
- Cough Medicine & Cold Remedies | Best Over The Counter Cough ... ›
- Cold Medicine Options for Cough, Stuffy Nose, Runny Nose, and More ›
- The Best Cold, Flu & Cough Medicine - CVS Pharmacy ›
- Cold remedies: What works, what doesn't, what can't hurt - Mayo Clinic ›
- Save on Cold & Flu Medicine ›
- 6 Ways to Save Money on Cold Medicine | Everyday Health ›
- Best Cold Medicine: By Symptoms and Circumstances ›
- Active ingredients in selected cold medicines - Harvard Health ›
- The 8 Best Cold Medicines of 2019 ›
It's Southwest Companion Pass Season. Here's Why It's The Best Flight Deal on the Market
There’s all this talk about solo travel. And for good reason — no wasting precious time waiting for others to get their act together, take the plans out of the group chat and actually buy the tickets. Going solo, you can be spontaneous. You can plan your trips according to your precise tastes. You can hop on any flight and fly awayyyyyy.
But what if each time you flew you’d get a free ticket? That’s what you get with the Southwest Companion Pass.
Award status, upgrades, lounge access — there are many perks in the frequent flier game. But one of the coveted holy grails is the Southwest Companion Pass.
What is the Southwest Companion Pass?
The Companion Pass is part of Southwest’s Rapid Rewards program. You get to choose one person to be your “companion,” and they fly with you for free (plus some taxes and fees) on every flight. That’s right. Two for the price of one. That’s half off each ticket if you split it! Whether you’re flying with a partner, family member, friend, or anyone else, they can tag along for free.
And it gets better: once you earn the pass, you can reap the rewards for that full calendar year … AND the next. That’s why people go mad trying to earn a companion pass during the early months of the year. The sooner you qualify, the longer you can use it.
There are also no blackout dates. There are no limits. And if you didn’t purchase the ticket (think: work travel, your companion, or a generous benefactor), there are no restrictions! As long as you’re the one on the plane, your companion can also … be on the plane.
You can also switch out your designated companion 3x a year. So, no need to stay in a relationship simply to get the most out of your companion pass! Ghost and fly away — with a whole new companion!
If this sounds too good to be true — it’s not. But there is one small catch. It’s kinda tough to earn this mega reward.
How to qualify for the Southwest Companion Pass?
You can qualify for the pass in one of two ways:
- Fly 100 qualifying one-way flights
- Earn 135,000 qualifying points in a calendar year.
Clearly, this is no small feat — especially if you’re trying to qualify ASAP.
So how do you actually earn the Southwest Companion Pass?
Don’t worry, there’s a path to earning this amazing reward without climbing on 100 flights or spending an exorbitant amount of money.
Earning 135K reward points may seem completely impossible, but it’s easier than it sounds. Simply sign up for a Southwest Credit Card and turn those spending habits into a rapid rewards account. Through the Rewards Priority Credit Card, earn points when using local transit and commuting, plus score major points and miles whenever you spend.
Stay with me here. This is not some scheme to get you into credit card debt. Many airline cards come with potential savings, giantic rewards, awarding you points, and cashback with every purchase you make that can be redeemed for travel. And often they can come with passive sign-up bonuses. If you spend a specific amount of money within a certain timeframe of opening the card, you can be in for a windfall of points.
Now that’s where the companion pass comes in:
- Southwest Rapid Rewards Premier
- Southwest Rapid Rewards Plus Credit Card
- Southwest Priority Credit Card
- Southwest Rapid Rewards Premier Business Credit Card
- Southwest Performance Business Credit Card
Southwest has three personal cards and a business card. Each of these cards offers rewards between 30K-80K points. In the past, people could open two cards and get a bonus that granted enough points to almost meet the minimum. However, with new restrictions on personal cards, you can only get one bonus every 24 months. Boo!
However, this doesn’t apply to business cards. If you’re eligible, have good credit, and not likely to spiral into insane credit card debt, you can open a business card and a personal card, and accrue 100K+ points. The Rapid Rewards Priority Credit Card will get you points after you spend money in no time.
Now to earn the rest of them.
The secret to gaining these credit card points is to plan your card sign-ups around big purchases. Just before a recent move, I opened a card . . . and the rewards came rolling in — a small balm to ease the pain of how exorbitant moving can be.
Put everyday spend — especially big purchases or bulk items — on your Southwest credit card and watch your award points quickly add up. Typically, you earn 1 point per $1 spent on your Southwest card and 2 points per $1 on actual Southwest purchases.
But there are other ways to earn points, including:
- Flying Southwest: Booking travel on Southwest earns more points. The cost of this travel will be worth it with your companion pass
- Shopping from Rapid Rewards Partners: Purchases with Southwest’s “Home & Lifestyle” and “Shop and Dine” Partners also earn Companion Pass qualifying points. While you shouldn’t make gratuitous purchases, browse Southwest’s partners to see if you could earn extra points for items you'd be purchasing anyway. All this, simply from enrolling in their Dining Program and shopping with their partners.
So there you have it! And since it’s almost Spring, get to earning and soon you’ll be flying two for the price of one!
How to Get a Better Job That Pays You More
Though the wave of tech layoffs and the threat of a recession has overshadowed yesteryear's news of the great recession, everywhere you look, employees are asking for more — and getting it. Though this time of uncertainty could have given employers back the power, it's still in the hands of the workforce.
From Gen-Z's boundary setting and penchant for quiet quitting when they're being under-recognized, to labor unions and even the WGA writer's strike, we're in an era where workers can make demands about how they work — and where they work. And for many people, they want to work from home.
For many employees, full-time remote work offered newfound flexibility to work around their schedules — whether it be picking up kids from school, or working when they feel most productive. Many employees seized this freedom to escape big cities and relocate and prioritize their quality of life. Remote work lovers are demanding offices remain closed or requesting it as a benefit or work option. And if their company insists they return? Many would rather look for new jobs in the flourishing remote-first corporate environment.
However, some missed the structure of the office and its offers of accountability, collaboration, more amenities, and . . . friendship. But not all companies are created equal. Some hope to lure employees back by upgrading the office experience. Turns out, the millennial start-up with that Day-Glo ping-pong table and IPAbeer-on-tap isn’t actually the dream if it comes with a toxic work environment (we’re looking at you WeWork). As companies add in-office perks, employees are requesting more support, boundaries — and even arrangements like the four-day workweek.
For the best of both worlds, companies are adopting hybrid systems. However, reports from CNBC and BBC imply that this may be a taxing option. Having one foot in the office and the other in your office kitchen is far from ideal for most employees, research says.
LinkedIn’s 2022 Global Talent Trends report reveals that of the 500 C-level executives surveyed, 81% said they’re changing workplace policies to offer greater flexibility.
But according to CNBC, “emerging data is beginning to show that hybrid work can be exhausting, leading to the very problem workers thought it could solve: burnout. More than 80% of human resources executives report that hybrid is proving to be exhausting for employees. This is according to a global study by employee engagement platform TinyPulse. Workers also reported that hybrid was more emotionally draining than fully remote and more taxing than even full-time office-based work.”
BBC agrees, reporting: “Emerging data is beginning to back up such anecdotal evidence: many workers report that hybrid is emotionally draining … Workers, too, reported hybrid was more emotionally taxing than fully remote arrangements – and, concerningly, even full-time office-based work. Given many businesses plan on implementing permanent hybrid working models, and that employees, by and large, want their working weeks spent between home and the office, such figures sound alarm bells. But what is it specifically about hybrid working that is so emotionally exhausting? And how can workers and companies avoid pitfalls so that hybrid actually works?”
“Overall, human resources executives thought that hybrid and remote work were the most emotionally exhausting for employees, but that wasn’t the case,” Elora Voyles, a people scientist at TinyPulse, told CNBC.
So with every employee having various experiences and opinions about what works best for them and their lifestyles, it makes sense that people are job-hopping to suit their newfound preferences.
Frankly, some are job-hopping to enhance their compensation. Statistically, most people realize their greatest salary increases when they move from one job to another. Remaining at the same company for years and years often limits how much you can make as your career advances. One popular female finance guru, Cinneah El-Amin told Afrotech: “I am a staunch advocate for more women to job-hop, to get the money they deserve, and to stop playing small when it comes to our careers and the next step in our careers.”
The research supports this, with Zippia claiming: “Generally speaking, a good salary increase when changing jobs is between 10-20%. The national average is around 14.8%, so don't be afraid to ask for a similar increase. At a minimum, you should expect a wage growth of at least 5.8% when you change positions.”
However, a job search can be daunting, despite the potential benefits. But if you can land a role in a new company — and potentially boost your salary while you’re at it — you will challenge yourself and constantly keep learning. LinkedIn Learning, for example, is one platform that can help you level up your skills and give you an edge to land the job.
LinkedIn Learning allows you to take advantage of the moments that truly matter. It offers courses on subjects that will carry you through every step of your career. Their instructors have real-world experience.
With their one-month free trial, you can explore over 16,000 classes that will help you hone specific skills, ignite your passion for learning, and discover skills to reach your career goals.
Check out the LinkedIn Learning Pathfinder and it will generate a custom list of courses based on what you want to achieve. Learn more about recent top career development goals and acquire the skills to help you reach them.Unsure what to do and how to start your job search? Let LinkedIn Learning be the first step you take in the path to a new and improved career.
Best Female-Founded Brands to Support
Oh, how far we’ve come! Recently, it was revealed that — finally! — women CEOs at Fortune 500 companies outnumber male CEOs named John. A dubious milestone, but it's something to celebrate.
Though women have come pretty far in society, the progress we've made is far from enough. From the pay gap to daily microaggressions, it’s still obvious that women are treated as lesser than in society. This is especially clear when you look at how few female-founded businesses there are.
According to Rolling Stone, it’s crucial to support female-owned businesses. They report: “While it is true that the different experiences and backgrounds that women and men have undoubtedly affect business approaches, this is actually a good thing. A business with diverse perspectives is an innovative business that can actually push the boundaries of industries.” Like with any other social justice cause, uplifting marginalized folks is good for everyone involved. We all benefit from the increased, diverse worldviews brought about by representation.
The article continues: “Having a gender-diverse business yields better consumer insight, and in turn, a more profitable business. Back in 2015, McKinsey & Company found businesses that were more gender-diverse were likely to outperform approximately 15 percent above the industry median. Years later in 2020, they found that the percentage had increased to 25 percent.”
Therefore, even if we aren’t focused on all the social and political reasons to uplift female entrepreneurs, it’s better for everyone’s bottom line if we do.
Yet, despite this oft-proven reality, archaic stereotypes and oppressive systems stand in the way of progress in every sector. An article in Business News Daily outlines some of the obstacles women face as entrepreneurs. The number one hurdle they face? Social expectations.
The article advises that in order to beat this imposter syndrome, female founders should stick to their guns rather than trying to conform. “Women may feel as though they need to adopt a stereotypically "male" attitude toward business: competitive, aggressive, and sometimes harsh. But successful female CEOs believe that remaining true to yourself and finding your own voice are the keys to rising above preconceived expectations.”
But often, women are told their lack of professional advancement is their fault. You’re too shy. You’re not assertive enough. You need to ask for what you want. Otherwise, how do you expect to get it?
However, despite this refrain, it’s actually not their own fault. This scapegoating convinces ambitious women that if their careers are stifled, it’s their fault. This causes imposter syndrome, lack of representation, and real industry consequences.
According to BND, “Raising capital is even more difficult for women-owned businesses. A 2014 Babson College report found that less than 3% of companies with venture capital funding had female CEOs … venture capitalists tend to invest in startups run by people of their own ‘tribe.’”
Other things that get in the way of women climbing the ladder to success include: struggling to be taken seriously, owning their accomplishments, building a support network, balancing business and family life, and coping with the fear of failure.
These are real, tangible barriers that most female entrepreneurs face. The women who have succeeded should be celebrated — and this month is the perfect one to do so. Luckily for us, we can vote with our dollars, supporting the businesses we love so that there can be more like-minded companies out there in the world.
Here are some of my favorite female-owned brands to support in the pursuit of equality: