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.
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Every time payday rolls around, I’m on top of the world. Jeff Bezos-level rich - even though I’m anything but. And then somehow the very next day, rent is due.
The cycle continues. The next payday, bills for my apartment. I find myself without a surplus of savings since I just moved and newly-furnished my apartment completely.
Even more terrifying is the looming presence of the holiday season. Halloween’s officially over and before we know it, hello Thanksgiving…and then there’s Hanukkah, Christmas, New Year’s. It’s insane.
I’ve been feeling very British lately. Not in a Union-Jack-obsessed, “Keep Calm and Carry-On” way. I went through that phase in 2012 with everyone else… no thank you. And it’s not even a surge of patriotism catalyzed by the Queen dying — I’m firmly team Diana and team Meghan.
Now that fall is officially here, the holidays will sweep in and I’ll have to contend with the fact that I won’t be spending them with my family in the UK. I went home to London earlier this year, so there’s not much left in my travel budget for another trip across the pond. A few domestic jaunts might be in my future, but the closest I’ll get to England this winter is watching Love Island and Love, Actually.
So in that spirit, I’ve been filling my days with content from my favorite Brits. I’m listening to all the old British rock bands I grew up listening to, patiently awaiting the new Arctic Monkeys album, and rewatching anything with Michaela Coel in it. I even shipped myself an order of British Baked Beans, so you know it’s dire.
I’ve also been watching British YouTubers like Grace Beverley — my favorite. Generally, I only go on YouTube to watch Vogue Beauty Secrets and AD Open Door videos. But I’m so glad I stumbled on Grace. Her content is a mix of London lifestyle (what lured me in), relatable entrepreneurship, and mindful productivity. I’m not a hustle-and-grind-girlboss, but as a creative person in a 9-to-5, I need all the help I can get to stay plugged in. So, the video “how to be really really really productive without getting overwhelmed” changed my approach to WFH.
Grace outlines her own productivity method: the to-do table. Instead of making a simple to-do list, she divides her tasks into a table that anyone can follow. As someone who’s survived with to-do lists for years, I recently implemented Grace’s method, and it’s revolutionized my workdays.
how to be really really really productive without getting overwhelmedwww.youtube.com
I follow her routine to a tee. Here’s how it works:
Essentially, she divides her daily responsibilities into four categories: quick ticks, tasks, projects, and non-negotiables.
- Quick Ticks: Actions that take less than 5-minutes
- Tasks: To-do’s that take up to 30-minutes. Probably don’t take too much brain energy.
- Projects: Long-term list items. These help guide your priorities, even if you’re not crossing them off in one day.
- Non-negotiables: Pick 3 things each day that you must get done. This is how you’ll truly measure success.
With everything written down and sorted, next address your schedule. Meetings, deadlines, and time blocks — whatever works best for you. Write it down. Then make a pact with yourself to stick to them.
This way of categorization provides a roadmap for prioritizing your day — making you far more productive. Have you ever spent the entire day on small tasks and then suddenly realized you hadn’t moved the needle on any task? Or do you spend way too much time on tasks that aren’t a priority? No more. With your non-negotiables laid out, you know what to laser-focus on and what to dedicate energy towards.
Also, it pays to know your working style. I’m not a morning person. Yet, I have to be up and at ‘em super early. So, first thing in the morning, I march through my Quick Ticks to warm me up. I set a time limit, so I can knock out some easy wins which is totally inspiring. Then I move on to bigger things without lingering on emails or admin. For others, it might be more helpful to tackle the big things with all that early-in-the-day brain power earlier.
Grace has great tips on avoiding overwhelm and burnout. My favorite is taking more intentional breaks rather than scrolling through social media. I call this scrolling “productive” because I’m “coming up with pitches.” Oh, the lies we tell ourselves. It’s more productive in the long run to giving my brain a break with non-screen related stimuli.
Grace’s solution? Set a timer to read a real, an actual book. I’ve never thought of this. It’s a genius way to check off some books on my TBR and kickstart my creativity. After reading a good book, I’m completely inspired to write. So having books near my desk helps me step away from the computer during my lunch break for an actual reset. (And yes, the current books I’m reading are by British authors: Assembly by Natasha Brown, and Love in Color: Mythical Tales from Around the World, Retold by Bolu Babalolu.)
In my pursuit of switching out my WFH set-up and getting my life together, I’ve engineered my workstation for success. With my new WFH essentials and Grace’s productivity technique, I’m revitalized for work — despite the fall blues and my melancholy about the pending holidays.
Here are the things getting me hyped for work and helping me crush my Grace Beverley-inspired to-do tables — no lists in sight:
Pack your bags — Southwest Airlines is having a major sale! Fares are as low as $59 one-way if you book by October 3rd.
This end-of-summer super sale is a game-changer for your travel plans through the end of the year. Summertime travel gets all the glory. But why not take advantage of your long weekends, holidays, and PTO this fall. You’ll be surprised at how much travel you can fit in. Keep the fall/winter season exciting with domestic trips that give you all the excitement without breaking the bank. All thanks to Southwest.
Here’s the breakdown:
Where can you go?
You’ll find discounted tickets to and from most airports. Sale fares apply to cross country travel, and even Hawaii, Mexico, and the Caribbean! Whether you’re visiting a new city or revisiting your last beach vacation, this sale has fares to make your travel dreams come true.
What do the fares cover?
Southwest Airlines has multiple fare tiers, each with various benefits. Wanna Get Away fares start at $59, while Wanna Get Away Plus fares start at $89. You can also find great deals on Anytime fares, which offer priority boarding and express lanes. Then there’s Business Select tickets for a luxe experience at an affordable price point.
Do you have to be a Southwest Rapid Rewards member?
You may think these sale fares are too good to be true. Is there a catch? Do you have to be a Southwest Rapid Rewards member to access them? You’re in luck — anyone can attain these fares for a limited time.
But, insider tip, you should consider signing up for Southwest Rapid Rewards. With a free sign up, you earn points and miles with each trip you take. And with this sale, each dollar you spend on these discounted tix can stretch super far until you eventually earn free travel. The only thing better than a sale is free stuff.
I’ve been browsing the Southwest Airlines site, checking out flights and dreaming.