Now that it's nearing the end of the year, there are some money chores you need to take care of, such as making sure you've spent the money in your Flexible Spending Account because it will expire before the New Year. You're actually allowed to file an extension if you haven't used up all your FSA dollars, but you need to check your company policy to see if they allow that. Don't fret if you can't extend, here are some last-minute ideas to use your FSA money:
- Over-the-counter items: We're not allowed to spend our FSA dollars on over-the-counter medicines without prescriptions but there are plenty of non medicinal products that we can still use the FSA money for. For example, band aids, crutches, first aid kits, and rubbing alcohol.
- Acupuncture: Acupuncture is covered by your FSA, so if you have a condition such as pain, consider acupuncture.
- Chiropractic: Your FSA also covers chiropractic visits, so now may be the time to schedule an appointment with your chiropractor.
- Birth control: Contraceptives are covered by the FSA, although some require prescription.
- Glasses and contact lens: Schedule a vision exam and use your FSA dollars to buy a new pair of glasses or supplies of contact lenses.
- Prescription medicine: Buy prescription medicine if it makes sense for you to do so.
- Doctor's visit: Your FSA will cover the copay so if you're due for a doctor's visit, try to go before the end of the year.
- Medical monitoring and testing devices: If you need a gadget to measure and monitor your blood pressure or ovulation, perhaps it's time to buy one now. Pregnancy and glucose test kits also qualify.
FSA is best used when it covers items that your health insurance doesn't generally pay for. Remember to use them or you'll lose them before the year's up!
This post originally appeared in SavvySugar.
GiftRocket, a graduate of this year’s Y Combinator spring class, launched behind a great idea. The startup wanted to marry gift carding with location-based services, so that friends could send gift cards to each other that could only be accessed once they “checked in” to a certain location. So, for example, if you really wanted your friend to try out the coffee at a certain local coffee shop, you could send them a gift card to that coffee joint, which they could only redeem from the shopt itself.
As Robin pointed out in March, the idea was a simplified version of Venmo’s Gifi, which basically had users combine Venmo and Foursquare apps to achieve the same effect. I say “was”, because GiftRocket is today moving away from the “check in” portion of their service to an even more simplified and universal approach to sending personalized gift cards.
Beginning today, GiftRocket users can send and receive digital gift cards via email or Facebook, using PayPal, a bank account transfer, or check. Basically, GiftRocket is now an easy P2P money donation service, as users can decide to send $50 to their mother for Mother’s Day, and in a personalized email say, “Mom here’s $50 for you to use at Barnes & Nobles”. GiftRocket doesn’t involve merchants directly, but GiftRocket Co-founder Kapil Kale tells me that he thinks this social pressure/proof element will assure that people use the virtualized gift cards in the way they were intended. And the best part? Their gift cards don’t expire.
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