Dollar Saving Divas & More

After the train wreck that was 2020, you may well question whether it’s worth trying to plan anything. But knocking off a few financial tasks early in the year can better prepare you for whatever 2021 has in store.

Who knows what 2021 will bring? Will a nationwide vaccination campaign bring the COVID-19 pandemic under control? How much will the economy rebound? Will our elected governmental leaders put aside partisan differences and get the nation back on track?

There’s plenty, obviously, that’s out of our control. But you can control your money — how you spend, how you save, how you invest.

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One of the easiest ways to get glowing, healthy-looking skin is to make sure your skin is effectively moisturized. But doing so—and finding the right product to do this—is a little more complicated than it seems.

Know that there is a difference between moisturizing and hydrating ingredients.

The right combination of hydrating and moisturizing ingredients for your skin will depend on your skin type and the concerns you’re trying to address. Skin that tends to be dry will likely need both hydrating and moisturizing ingredients, whereas with oily skin, more occlusive moisturizing ingredients may cause breakouts. 

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Annually, BH&G answers their readers questions covering just about anything. We cover what was answered this year!

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COVID has made eating, cooking and shopping for food much different than we are and we were used to. But we can reset our food goals with these easy suggestions.

Reset yourself with your alcohol intake.

Fasting - can you use your overnight fast to make it an 18-hour fast?

Eliminate sweets, or at least eat fewer during the day.

Cook more often. Studies show this leads to better eating, and saving money.

Try a plant based diet.

Focus on zero waste. "One in, one out."

And much more!

Bonus - what does Kelly and George Clooney have in common? Find out in this episode.

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Some things just never go out of style, or just become iconic over time. Here's a list of 50 things over 50 we thought would be fun to spotlight, including...

• Birkenstocks
• ten speed bicycles
• UPS truck
• bikini -1946
• America Express
• M&M's - 1941
• Ford mustang - 1946
• Harley Davidson
• mini skirt
• Clint Eastwood - The Good, the Bad and the Ugly
• color tv
• Tupperware
• Tony Bennett
• Stevie Wonder
• microwave - 1945 into homes in the 60's
• frozen pizza - 1957
• skateboard - 1959
• Jeapordy - 1964
• AARP
• spandex
• ice cooler - 1953
• Gatorade - 1965
• Subway - 1965
• Big Mac - 1968
• Chuck Taylor -1932
• Hershey Kisses -1907
• sunscreen - 1935
• hand held dryer - 1920
• Warren Buffet
• James Bond
• Beatles
• Motown in the 1960's
• Cheerios - 1941
• Cheetos 
• To Kill A Mockingbird
• Green Eggs And Ham
• Legos - 1949
• Mr. Potato - 1952
• Ray Ban
• Chapstick - 1880
• Kraft mac & cheese
• tie-die shirts 1960's
• the "pill" 1960's
• Pop-Tarts 
• Star Trek - 1966

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You can save money clipping coupons out of the newspaper, but that is so last century, so pre-COVID. Save even more by adding digital coupons and other online shopping tools to the mix.

Here are five essential shopping apps that will help you get the most value during your online shopping.

Honey - a browser extension that automates yours savings, best for online coupons and price alerts

Fakespot - best for choosing what and where to buy

PriceBlink - best for comparison shopping

Rakuten - best for cash back on your purchases

RetailMeNot - best for in-store coupons and sales

They're all free!

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As the center of your home life and the place where both literal and figurative nourishment takes place, your kitchen is the heart of your home. That might be why having a clean kitchen feels like the first step of having a completely clean house. 

We go into deep cleaning your kitchen in this episode, but here are other quick ideas as well...

1. Clear clutter off your counters

2. Empty the dishwasher and the dish drainer and wash dishes

3. Dust the tops of the fridge and cabinets

4. Clean small appliances

5. Clean anything else that stays out on your counters

6. Scrub down the exterior of your stove and oven

7. Wipe down your counters

8. Deep clean your sink

9. Clear out the fridge

10. Clean the outside of your large appliances

11. Empty and wipe down your garbage can

12. Sweep, vacuum, and mop the floor

13. Add your finishing touches

As the crowning glory to your newly pristine kitchen, replace your sponges, rags, and dish towels with fresh ones, light a candle, and put some cut flowers on your counter or table.

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Take these steps to keep safe from scams, identity theft and spam calls.

Improve your password protection - Many online retailers, financial companies and service providers offer “dual-factor authentication.”

Protect your mail - Informed Delivery is a free service from the U.S. Postal Service in which the agency sends, via email, images of letter-sized mail expected to be delivered to you soon.

Check your credit report - Because of the pandemic, all three major credit reporting agencies — Equifax, Experian and TransUnion — are offering free weekly online reports through April 2021.

Filter your phone calls - To help curtail the flood of spam calls, enter all your trusted contacts into your smartphone. This way, when the phone rings, your caller ID will let you know if it's one of them. 

Manage your emails - Start marking as spam any suspicious or unwanted emails that show up in your inbox, so similar messages will be automatically routed to the trash.

Do a quick Facebook privacy checkup - Click the downward arrow button in the upper right corner of your Facebook page. Then click on Settings & Privacy and Privacy Checkup.

Vet unfamiliar e-retailers - Before purchasing something from a retailer you haven't used before, do a web search for the company's name, followed by the words “scam,” “fraud” and “complaints,” in order to get a fast read on its veracity. 

Say no to gift cards - Prepaid gift cards have become one of the fastest-growing requested forms of payment from criminals, and they are virtually untraceable. 

Copy all the contents of your wallet today - This is a simple way to protect yourself from identity theft and credit card fraud. 

Don't send nudes! - This seems so obvious. But there has been a huge increase in extortion scammers who look for people on dating apps. 

Stop, breathe, ask - Often, scammers rush their victims and push lots of emotional hot buttons to get you to stop thinking rationally. Never let strangers force you into fast decisions. Pause, calm yourself, and think clearly and critically.

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Most of us are trying to figure out how to connect with family in the midst of a pandemic. 

Step outside the ordinary, the usual.

By now, given we are months in this pandemic, adults, children, and even some pets have spent hours virtually on different devices. Being able to connect virtually is a blessing during a pandemic. 

Virtual fun (alcohol may or may not be involved)

• Virtual karaoke
• Online toasts
• Share an online meal together (or all order from same restaurant or type of restaurant)
• Bring on acting chops and have a dramatic holiday reading
• Wine tasting
• Make it a pajama party
• Host a charity donation party (eg., I’ll give you 10 bucks if you sing a holiday song for us, dress as an elf, send us all cookies beforehand, etc.). Have each member donate all the money to charity
• Curate a holiday play list and send to everyone before your event/party. Get everyone to add their favorites.
• Have a Scavenger hunt
• Make it a dessert party (make together or make and send to everyone to eat together during the party)
• Entertainment night – family members contribute- who can sing? play an instrument? do performance art? (or think they can). Bring on the amateur hour! On the other hand, I only found out as an adult that my family were just being polite when I played my accordion every Christmas!
• Have an interactive gratitude party. Here is a super creative and fun list of different virtual gratitude activities, which were designed for Thanksgiving, but work equally well for all holidays. Why gratitude? It’s a great way to tap into a well of warmth and love, and when we express gratitude, we feel closer to others. That is the point, isn’t it?
• Play a virtual game together –movie game trivia or holiday trivia, charades, Pictionary, online holiday bingo
• Have a contest for best customized background (no green screens please!)

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Keeping blood sugar under control is key for good management of type 2 diabetes. Here’s how to navigate this sometimes complicated course of diabetes care.

Exercise. A regular exercise program has been shown to help manage blood sugar levels over time, and taking a varied approach to fitness is good for diabetes and health in general. 

Weight Loss. If you’re overweight, it will be easier to stabilize blood sugar more effectively if you lose even a few pounds. 

Diet. Many people with diabetes achieve better control over their blood sugar by limiting the kinds of foods that can cause blood sugar to spike. 

Drinking Wisely. Alcohol can cause an immediate rise in blood sugar and then a drop a few hours later. It’s best to stick to moderate amounts and have some solid food with your beverage.

Medication. Your doctor may recommend different types of medication at different times during your diabetes treatment. 

Asking More Questions Don’t be shy about asking your doctor or diabetes educator about how to interpret blood sugar numbers, or for clearer instructions to help stabilize blood sugar.

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Subscribe to the podcast on Apple Podcasts, Google Podcasts, Stitcher, or iHeart Radio, or your favorite podcast player.

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If you liked this episode, please leave us a rating and review for our podcast on iTunes.

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Thanks to Tri-Village Chamber Partnership for studio recording space.