Financial Health Check – 4 Regular Expenses Your Family Could Probably Be Getting A Better Deal On

2020 has left many people looking for more cost-effective ways to enjoy the pleasures that come with family life. Others might be struggling to find the funds to continue essential healthcare for the family. 

Smart budgeting doesn’t always mean giving up the small pleasures that make your family happy and comfortable. It is entirely possible to enjoy the lifestyle you’re accustomed to while reducing your expenses by simply sourcing the best deals possible. 

Here are four regular expenses your family could be getting a better deal on, saving you money without eating into your comforts:

1. Dental Care

The need for dental care can pop up out of nowhere, bringing with it large costs that you may not have factored into your budget. Fortunately, you can compare dental fees and find the most cost-effective practitioner in your area. 

Dentists with high fees are not always better practitioners. Often their costs are related to the premises they occupy and other business expenses that must be factored into their running costs. So, shopping around can make a massive difference when it comes to fees. 

2. Insurance

Generally, insurance cover is priced according to how comprehensively you wish to be insured. However, you also get more affordable providers among the pricey ones. The smaller firms tend to offer more specialized cover that is comprehensive but only in specific regards (like long-term versus short-term insurance). Often, these plans are also more affordable, which is great news. 

The potential drawback lies in service delivery – you may have to deal with call centers and some difficulty in getting claims approved timeously and with ease. Of course, this is not always the case. The lesson simply remains that there are always affordable options out there. 

3. Mental Healthcare 

Gone are days when seeing an expensive psychologist was the only form of mental healthcare available. While psychologists in private practice play a vital role, seeing one on an ongoing basis is unaffordable to many families, especially at times when they need it most. Counselors have provided an affordable alternative. They’re able to give you a kind ear and provide sound guidance. 

Nowadays, there are even more possibilities opening up, and some of them are completely free of charge. Online counseling aims to make help available to people as and when they need it, without costing an arm and a leg. Since online counseling sessions are done virtually, you can stay in the comfort zone of your home, with no social distancing rules to contend with. 

4. Online Streaming Services

With so many streaming sites to choose from when you’re planning your family’s entertainment budget, it’s tempting to look at the sites that offer the best variety. However, it’s worth looking at free sites too. Netflix, HBO Max, and Amazon Prime have been the most popular, but Crackle (owned by Sony) is completely free. They offer you the opportunity to stream a variety of trending films and TV series at no charge. 

There is, of course, always some kind of cost. The platform must pay for its existence, and Crackle’s revenue generation lies in advertising. As long as you don’t mind dealing with adverts, you can access an impressive array of entertainment. 

The world is currently pulling itself together in the aftermath of a global pandemic, worldwide financial crises, and large-scale retrenchments and business closures. Reducing expenses is a smart move, even if your job has been unaffected. It’s a great idea to maintain a position that enables you to put away a little money as often as possible.

Jennifer Shackelford

Hi, I’m Jennifer, the founder and editor of On The Mama Needs, I write about experience with pregnancy, raising kids, and nutrition for both kids and expectant moms.. I love that blogging brings parents together and lets our readers know they’re not the only ones going through these experiences. I love seeing comments on my posts that say “I thought it was just me! I’m so glad it’s not!” Being a parent is hard, but friends and blogs really help.

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