A genetic test can cost less than a nice dinner out or several hundred dollars, depending on what is being analyzed and how detailed the report is. At first glance, you might wonder why you wouldn’t want to go with the best “deal.” After all, your DNA isn’t going to change across testing companies. If they’re all going to require you to swab your cheek and wait for the report, why not go for the cheapest option?

The thing is, sticker price alone doesn’t determine whether a genetic test is good value.

For a household watching every discretionary dollar, the better question is what the information will actually be used for. A test that answers a specific question, comes with clear objectives, and leads to a useful conversation may feel worthwhile.

Whereas a test purchased on impulse may produce an interesting report that sits unread in an inbox.

Before spending the money, it helps to look beyond the box price.

Start With the Question the Test Is Supposed to Answer

Genetic testing is a broad category. Some tests examine ancestry or traits, while others look at specific genetic variants associated with nutrition, wellness factors or particular health risks. That means two tests advertised as “DNA tests” may provide very different information.

The distinctions matter when comparing targeted testing options. Consumers browsing tests through Fenix Health Science, for example, need to know they’ll see gene-specific information rather than assuming that one test provides a complete genetic profile.

The important question isn’t simply how much information a test promises, but whether it examines the information a consumer actually wants.

Someone curious about one particular gene may have little reason to pay more for a large panel. Conversely, the cheapest option may be poor value if it doesn’t analyze the variants relevant to what you’re trying to find out. Starting with a defined purpose makes comparison shopping much easier.

The Sticker Price May Not Be the Final Cost

At-home testing is usually an out-of-pocket purchase. Most direct-to-consumer genetic testing isn’t covered by health insurance, but some tests may qualify for reimbursement through a flexible spending account or health savings account if it’s for health purposes.

Plus, the expense of the test may just be the beginning of your journey.

A result that raises questions could lead someone to seek professional interpretation or additional testing. If you find something alarming, odds are high your doctor is going to order a separate test of their own before making any clinical decisions, or you may require services from a genetic counselor.

That means a $100 or $200 purchase shouldn’t automatically be treated as a self-contained expense. Before ordering, consumers can check whether professional support is included in the fee, whether follow-up testing might be recommended, and what additional services cost.

From a budgeting perspective, total expected cost matters more than the advertised price.

Understand What the Test Actually Measures

Genetic results can look more definitive than they really are.

Different companies may examine different variants, even when their reports appear to address the same subject. Plus, different direct-to-consumer tests have varying levels of scientific and clinical evidence behind them.

The FDA states it in no uncertain terms: “No test is 100% accurate.” But some are better than others.

Apart from scientific backing, a genetic result isn’t always a prediction of what will happen in the future. Many health outcomes are shaped by a combination of genetics, environment, lifestyle and other factors.

A negative result for any particular health concern could also mean that only the variants included in that particular test weren’t identified — it doesn’t necessarily rule out every relevant genetic risk.

A consumer paying for information should understand exactly which genes or variants are being analyzed and what conclusions the company can reasonably draw from them.

Consider Whether the Information Will Be Useful

One person may consider genetic information worth paying for because it answers a long-standing question. Another may receive the same type of report and find that it changes nothing about their everyday life.

A useful pre-purchase question to ask what happens after the results arrive.

If the report says A, what would change?

If it says B, would anything be done differently?

In cases where the answer won’t impact your life or behaviors, the test may primarily satisfy curiosity. There is nothing inherently wrong with paying for curiosity, but it belongs in a different part of the household budget than an expense expected to provide practical health information.

There is another consideration: Genetic information can sometimes be unexpected or emotionally difficult. It can also reveal information with implications for biological relatives because family members share portions of their DNA.

The potential value of knowing therefore needs to be weighed alongside the possibility of learning something that can’t simply be “unknown” afterward.

Privacy Deserves the Same Attention as Price

DNA is unusually personal data.

The National Human Genome Research Institute notes that genomic privacy raises special challenges because an individual DNA sequence is unique, apart from that of an identical twin.

Before sending a sample anywhere, consumers should read the company’s privacy policy rather than treating it like the terms and conditions on a streaming subscription.

Important questions include:

• What happens to the physical sample?
• How long data is stored?
• Can data be deleted?
• Will genomic information be used for research?
• What happens if the company is sold or closes?

MedlinePlus specifically recommends checking whether customers can opt out of data sharing and what protections exist in the event of a security breach.

A lower price may not represent better value if it comes with data practices a customer is uncomfortable accepting.

Know the Insurance Rules Before Testing

U.S. consumers should also understand the Genetic Information Nondiscrimination Act of 2008, commonly called GINA.

GINA includes protections involving genetic information in health insurance and employment. However, those protections have limits. In employment, the law generally covers employers with 15 or more employees.

It also doesn’t provide the same protections for life, disability or long-term care insurance. Depending on state law, insurers offering those policies may be permitted to request genetic-testing information when assessing coverage or rates.

That doesn’t mean genetic testing will necessarily affect an insurance application. It does mean insurance implications deserve consideration before testing rather than after results already exist.

Use a Pre-Purchase Checklist

A genetic test may be easier to evaluate when treated like any other meaningful purchase. Before paying, a consumer can ask:

• What exact gene, variants or genetic information does the test analyze?
• What can the result reasonably show, and what can it not show?
• Is the laboratory appropriately certified?
• Is interpretation or professional support included in the price?
• What happens to the DNA sample and genetic data afterward?
• Would the possible result inform a useful decision or conversation?

MedlinePlus also recommends checking whether the company clearly explains test limitations, whether additional confirmation may be needed, and whether genetics professionals are available to answer questions.

Those details often say more about value than the number of pages in the final report.

So, is a Genetic Test Worth the Money?

There is no universal dollar amount at which genetic testing becomes “worth it.”

For someone with a clear question, realistic expectations and an understanding of the privacy and follow-up implications, an at-home test may provide information considered valuable enough to justify the expense.

For someone buying primarily because a test is on sale or promises broad insights without clearly explaining its limits, keeping that money in the budget may make more sense.

The smartest purchase isn’t necessarily the test that analyzes the most information or carries the lowest price tag. It is the one that answers a question the buyer genuinely wants answered, from a provider whose methods and policies have been properly scrutinized.

Before buying, compare more than the sticker price alone. Test scope, scientific support, potential follow-up costs, privacy policies, insurance considerations and the usefulness of the final information all matter.

A thoughtful purchase starts with a surprisingly simple question:

What will this information be worth once the result arrives?

The post Is a Genetic Test Worth the Money? What to Consider Before You Buy appeared first on Femme Frugality.

For women entrepreneurs, business travel is a great opportunity…but it can be exhausting.

Whether you’re pitching investors or meeting clients, attending conferences or visiting new markets, time away is still time away. You’re separated from your daily operations, family responsibilities, and strategic planning, which can really throw a wrench in the ordinarily well-oiled machine that is your business.

There are ways to make travel more efficient, though.

Efficient travel can help you to protect your energy and maximize productivity, ensuring each trip actually contributes to your business growth.

Today we’ll address some ways women entrepreneurs can make business travel more efficient.

Plan Logistics In Advance

A successful trip starts before you leave home. Try to remove as many friction points as early as possible so you can focus on conversations, decisions, and opportunities instead of logistics.

Let’s say you’re heading to a spread-out city like Dallas, where things are fairly spread out. Your schedule includes multiple meetings across a large area, so booking a rental car at DFW airport could help you control your timing and avoid delays between appointments.

Plan Around Your Business Priorities

Before booking flights or hotels, define the purpose of the trip.

Are you trying to close a deal?

Build partnerships?

Research a market?

Increase brand visibility?

Once you’ve clarified your main goal, organize your schedule around the highest-value activities. Avoid filling every open hour with meetings that do not directly support your objective.

Break your agenda down into three categories:

• Must-do
• Nice-to-do
• Optional

As an entrepreneur, it’s likely that you often feel pressure to say yes to every opportunity — even if it’s at odds with your efficiency. This strategy helps you make smart decisions so you can stick to the commitments that truly matter.

Choose Travel Times Strategically

Early-morning and late-night flights may seem like time savers, but they can reduce your effectiveness if they leave you tired before an important meeting. When possible, schedule travel so you arrive with enough time to rest, review notes, and prepare mentally. A slightly more expensive flight may be worthwhile if it improves your performance.

Also consider the rhythm of your workweek. Traveling on a Monday morning can create stress if weekend preparation runs behind. Flying in the evening so you can get a good night’s rest before a key event can give you a calmer start.

Pack for Speed and Confidence

A streamlined packing system saves time and reduces anxiety. Keep a travel-ready checklist for clothing, technology, chargers, business cards, presentation materials, and personal care items. Brownie points if you have a work ‘uniform’ or capsule wardrobe that cuts down on that executive decision fatigue as you get dressed each morning.

You can also consider maintaining a separate set of essentials that stay in your suitcase. That way you aren’t stressing about finding things like phone chargers or deodorant every time you hop on a plane.

Use Technology to Stay Organized

Digital tools can make business travel much easier. Store boarding passes, hotel confirmations, meeting addresses, and receipts in one travel app or cloud folder. Use calendar alerts with location details and estimated travel times. If you manage a team, set communication expectations before you leave so everyone knows when you are available.

Expense tracking apps are especially useful for entrepreneurs. Instead of sorting receipts after the trip, photograph them immediately and categorize expenses in real time. This makes bookkeeping cleaner and helps you understand the true return on investment for each trip.

Build in Buffer Time

One of the biggest mistakes business travelers make is scheduling meetings too tightly. You could get stuck in traffic or encounter a horrifically long hotel check-in line. Be sure to add buffer time between appointments, especially when meeting with high-value clients or investors. Arriving calm and prepared is better than rushing in flustered.

And if you miraculously don’t run into any of those delays? You use that built-in buffer time productively.

Review a proposal.

Send follow-up emails.

Update your team.

Or, heaven forbid, use it for a little R&R.

For women entrepreneurs managing many roles, small pockets of unscheduled time can help prevent burnout.

Protect Your Safety and Well-Being

Efficiency should never come at the expense of safety. Share your itinerary with someone you trust, choose well-reviewed accommodations, and be mindful when arriving late at night. Use secure transportation options and keep important documents backed up digitally.

Well-being matters, too. Remember to stay hydrated and pack healthy snacks — in addition to taking a breath during those buffer times. Travel can disrupt routines, but even a short walk or ten minutes of stretching can help maintain focus and energy.

Follow Up Immediately

The value of a business trip often depends on what happens afterward. Set aside time before returning to regular work to send follow-up emails, share requested materials, connect on LinkedIn, and document next steps. A fast, thoughtful follow-up shows professionalism and keeps momentum strong.

Business travel can be a powerful growth tool for women entrepreneurs when approached with intention. By planning strategically, using smart systems, and protecting your time and energy, women business owners can make every trip less stressful, and more profitable.

The post How Women Entrepreneurs Can Make Business Travel More Efficient appeared first on Femme Frugality.

There is a quiet shift happening in the housing market, and it has everything to do with us. Single women now make up a larger share of homebuyers than at almost any point on record.

According to the National Association of Realtors, single women accounted for 21 percent of all buyers in the most recent survey, more than double the 9 percent share held by single men. We are buying condos and starter homes and the houses we plan to grow old in, often on one income, frequently without waiting for anyone else to sign off on the decision.

That is genuinely good news, and it has been a long time coming.

Here is the part that gets far less attention:

Women, and single women especially, tend to pay more for the very mortgage that makes all of it possible. Not because we are worse borrowers. Because of how the system reads us on paper.

Single women pay higher mortgage rates

Research from the Urban Institute has tracked this pattern for years, and its 2025 update confirms the gap has not closed. Solo female borrowers are charged higher interest rates than solo male borrowers, and they are turned down more often, largely because they arrive with weaker credit profiles and a higher share of higher-priced loans.

That sounds like a neutral, math-based outcome until you look at what happens after the paperwork is signed. When researchers held credit scores, loan sizes, and loan-to-value ratios steady and compared genuinely similar borrowers, single women defaulted less often than single men.

The credit characteristics lenders lean on, in other words, overstate the risk women actually carry. We are paying a premium for a danger that never shows up.

Income’s role in the equation

Some of the gap traces back to income. Single female buyers report the lowest median household income of any group the Realtors track, and income shapes everything downstream, from the size of the loan to the debt-to-income ratio a lender sees to the interest rate that gets attached to it. Some of it is structural in ways no single person can fix from her own living room.

But a meaningful slice of it is fixable right there at the kitchen table, and that is the slice worth pouring your energy into.

What you can do about it

The most effective move is also the one most buyers skip:

Get more than one quote.

It sounds almost too obvious to bother with, yet it matters more than nearly anything else you will do.

Lenders quote different rates to the same person on the same afternoon, and that spread grows wider when overall rates are elevated. Freddie Mac found that during higher-rate stretches, borrowers who collected quotes from two lenders saved around $600 a year, while those who compared four or more saved upward of $1,200 a year.

Spread across a thirty-year loan, that is not a rounding error. That is a reliable car, or a year of daycare, or the emergency fund you keep promising yourself you will build.

How to shop for the best mortgage rate

To shop well, you need a baseline — some sense of what a normal rate looks like today so you can tell whether an offer is competitive or quietly padded. Checking a lender’s posted current mortgage rates before you talk to a soul gives you exactly that, usually broken out by loan type so you can see how a conventional thirty-year stacks up against an FHA or VA option.

Walk into the conversation already knowing the going range and the whole dynamic shifts. You stop asking what a lender is willing to give you and start checking whether what they offer measures up.

A few habits make the comparison cleaner:

• Pull all your quotes inside a short window, ideally a week or two, so the credit inquiries get bundled as a single event and your score barely flinches.
• Compare the APR rather than the headline interest rate, since the APR folds in the fees and points and tells you what the money actually costs.
• Do not be shy about saying out loud that you are shopping. Loan officers expect it, and the knowledge that you are holding other offers is frequently the thing that nudges the number in your favor.

Remember that refinancing is an option

There is a second place women tend to leave money on the table, and it arrives later. When rates fall, refinancing can shave a real amount off a monthly payment, yet the Urban Institute found that single women, and single women of color in particular, refinance less often than men even when the math plainly favors it.

If you locked in a high rate simply because that was the market on the day you bought, set a reminder to revisit it every time rates dip. The loan you signed is not a life sentence.

You are not to blame. You are also not powerless.

None of this is about blaming yourself for a gap you did not design. The disparity is real, it is well documented, and it deserves the policy attention it is slowly beginning to attract.

But while that larger repair grinds through the system, the leverage you hold as an individual buyer is very real. Knowing the going rate, gathering a handful of quotes, comparing the APR, and keeping an eye on refinancing are not glamorous. They are the boring, powerful kind of moves that quietly keep tens of thousands of dollars in your account over the life of a loan.

You are already buying homes in record numbers.

You may as well stop overpaying for them.

The post Women Are Buying More Homes Than Ever. They’re Also Paying More for the Mortgage. appeared first on Femme Frugality.

Do you have unclaimed money sitting around just waiting for you?

Believe it or not, you just may. And you could find it sitting in your state treasury.

When a business or other entity tries to issue a payment to you, but they are not able to reach you, they don’t just get to pocket it. They have to deposit it with your state.

Maybe you moved and they didn’t know  your new address. Maybe you were set up on direct deposit and switched bank accounts. Whatever the reason for the discrepancy, the money must eventually makes its way to the state for safe keeping.

How to Get What’s Yours: Unclaimed Money

To check and see if you have any funds waiting, you can use the interactive map on this page to find your state’s searchable unclaimed money database.

From there, you’ll be able to search your state’s treasury to see if there is any money waiting in your name. If there is, it will pop up with some basic information, including the last address on file and the name of the company that originally issued the payment.

You will not know exactly how much you have waiting for you, even if something pops up. In my home state of Pennsylvania, the treasury classifies funds as “over $100” or “under $100.” You won’t know the exact number until you receive the funds.

Before you receive the funds in the mail, you have to fill out some paperwork. There are typically two options. You can either receive your payment by check or ACH transfer.

Request your unclaimed funds by ACH transfer

The procedure is going to vary by state, but generally speaking, receiving your unclaimed funds by ACH transfer is easier and faster.

You can fill out your banking information online, and the money will be digitally deposited into your bank account. You may have to provide some additional personal information to use this method, such as your Social Security number.

Request your unclaimed funds in paper check form

If you want to get a paper check instead, you typically have to print out a claim form from your state treasury’s website or request that a hard copy of the form be mailed to you.

You’ll then have to verify that you are the person who is owed money by providing your personal information, and in some cases you’ll have to sign the supporting documentation in front of a notary.

After the treasury has received your paperwork, they will issue you your long, lost check.

How to Avoid Scams Related to Unclaimed Money

Way back in the day, my ex-partner received a letter in the mail. In this letter, the company told them they had unclaimed funds amounting to around $2,000.

To claim them, all they had to do was fill out the enclosed paperwork certifying that the company sending the letter would get a 15% cut. That would have been around $300.

THIS WAS A TOTAL SCAM.

The company wasn’t entirely wrong — my partner-at-the-time did have unclaimed money waiting for them with the state treasury amounting to the same figure that the company’s letter laid out.

But the company didn’t disclose that they could get the money on their own.

Without paying anyone commission.

All they had to do was go to to the state’s website and filing the paperwork themselves.

Which they did. It turns out that big check was an insurance claim that they had fought for and subsequently given up on, even though the insurance company really and truly owed the payout.

The insurance company eventually figured that out, too, though I’m not sure how they “lost touch” with them since they had held continuous policies with the same insurance company ever since.

The moral of the story is two-fold:

1. Check your state treasury’s for unclaimed money regularly. Just because you don’t have money in there today doesn’t mean you won’t in six months.
2. Never ever release personal information or pay someone a commission to file simple paperwork for you. If they say they’ve got money for you, there’s no reason you should have to pay them to access it. Do some digging, find out where the money is and go get it yourself.

The post How to Claim Your Unclaimed Money and Avoid Scams appeared first on Femme Frugality.

In 2022, I abruptly deleted Twitter, leaving my massive following on the platform behind.

The other social networks I didn’t completely abandon? I became increasingly disillusioned with them during the early pandemic years, as I watched them morph from tools of community-building and connection to increasingly algorithmic feeds.

These feeds seemed to be pushing us to extremes, somehow further apart in our realities than we already were. They showed me content it decided I might like to see instead of the content I had told it I wanted to see through my follows.

I’m still on some of them, but far less than I used to be. I’m not alone. Social media usage peaked in 2022, studies show, and more people are spending less time on these platforms today.

The new app that got me excited to check my notifications again

Apparently, the way to get me to open an app in 2026 is to appeal to my nerdy little heart. Last year, I learned about an app called iNaturalist. It’s like Pokémon, but in real life.

RELATED: Poké Ball Cupcakes

You take photos of whatever you might see in the natural world around you. If it’s wild (as in, not domesticated or human-planted), other people can verify the species. Once you have two verifications, your observation can be used by real-life scientists as they do research.

As of today, I have over 100 observations of 87 species. Each time I spot a new type of bird or butterfly, I get a little jolt of excitement as the equivalent of my Pokédex goes up.

(They do not use the Pokémon analogy. That’s all me.)

 

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Letting my freak flag fly

Back in my peak Instagram days, I’d sometimes post interesting bug finds. Cicada casings that only graced the area once every 17 years. Moths with stunning designs on their wings that looked like a floral print on a couch from the 1970s.

They were not my usual frugal travel pics. I once expressed to my sibling that every time I posted a bug pic, I’d lose some followers.

Maybe don’t do that, then.

Was the reply.

But on iNaturalist, this curiosity is rewarded. I can post all the interesting and ugly bugs I want. And they’re celebrated. Alongside the beautiful birds.

I’ve even learned some stuff about fungi — including the fact that we really don’t know all that much about fungi compared to other biological kingdoms.

Connection to humans and the wider natural world. For free.

I like this app a lot. It’s free. And while they do sometimes ask for donations, there aren’t any ads.

There’s interaction with other humans, verifying each other’s results or cheering them on in their observations. Maybe even helping a scientist out.

I’m not just watching some mindless reel designed to suck me in and distract me into the next advertisement. It makes me stop in wonder and awe at the real world around me, dragging me out of the digital that’s imposed itself on our lives like some type of reverse AR.

I’ve learned a lot about creatures I wouldn’t have noticed before, and just how widely flora and fauna have spread from their original habits with human migrations.

Some people even accidentally come across super rare finds that disprove the assumed extinction of species. I have not been one of those people yet.

But I’m keeping my eyes open.

The post My Favorite (Free) Social Media App Lately appeared first on Femme Frugality.

Pittsburgh keeps showing up on lists of affordable American cities. For parents, that reputation is more than a talking point.

It’s the difference between stretching every paycheck to cover housing and actually having room in the budget for summer camp, braces, and the occasional Pirates game.

But affordability on paper does not automatically translate into a smart purchase. Buying a family home here still takes strategy, especially if you want to keep your monthly costs low enough to breathe.

Here is how Pittsburgh parents can approach the process frugally, from understanding what homes actually cost right now to tapping the assistance programs that too many buyers never hear about.

Get a feel for the market

Start with a clear picture of the market you are walking into. According to Movoto’s Pittsburgh market trends data, homes in the city sold for a median price of $249,900 in February 2026, and properties are averaging around 68 days on the market.

For parents, that second number matters as much as the first. A market where homes sit for two months is a market where you can take your time, bring your kids to a second showing, and negotiate on inspection findings without fear of losing the house to a same-day cash offer.

Compare that to the frenzied coastal markets where families waive inspections just to compete, and Pittsburgh starts to look like a place where careful buyers are rewarded rather than punished.

That median price also hides a lot of useful variation. Pittsburgh is a city of roughly 90 neighborhoods, and the gap between the trendiest zip codes and the quietly family-friendly ones can be six figures. Areas like Brighton Heights, Carrick, Stanton Heights, and Lincoln Place have long offered solid housing stock, yards, and proximity to parks at prices well below what you would pay in Squirrel Hill or Point Breeze.

The frugal move is to shop the neighborhood tier just below the one everyone talks about. Browsing homes for sale in Pittsburgh side-by-side across a few of these areas makes the pattern obvious quickly.

With roughly 3,500 active listings across the city, there is enough inventory to compare similar three-bedroom homes in four or five neighborhoods before you ever schedule a showing, which is exactly the kind of homework that keeps you from overpaying for a location premium your family may not even use.

Actually visit the neighborhood

Before you settle on a neighborhood, spend real time in it with your kids. Walk to the nearest playground on a Saturday morning. Time the drive to school and to work at actual rush hour, not at 2 p.m. on a Sunday.

Resources like Kidsburgh round up family activities, programs, and events across the region, which makes it easier to test-drive a neighborhood’s family life before you commit a 30-year mortgage to it.

A house that saves you $40,000 but adds 40 minutes of daily driving to activities your kids love is not always a bargain.

Research home buyer assistance programs

Pennsylvania also does more for budget-conscious buyers than most parents realize. The Pennsylvania Housing Finance Agency offers several down payment and closing cost programs, and the standout for families short on savings is the K-FIT program.

The K-FIT program provides eligible borrowers with 5 percent of the lesser of the purchase price or appraised value, with no maximum dollar limit. It is structured as a second loan that is forgiven at a rate of 10 percent per year, so after a decade in the home, you owe nothing on it and make no monthly payments along the way.

On a $250,000 Pittsburgh home, K-FIT assistance could cover $12,500 of your upfront costs, which for many families is the entire difference between buying this year and renting for three more. Borrowers need a minimum credit score of 660 to qualify.

PHFA’s Keystone Advantage Assistance Loan is another option, offering up to 4 percent of the purchase price or $6,000 — whichever is less — as a zero-interest second loan repaid over ten years.

Prepare your finances for your family home purchase

Even with assistance, most families still need to build some cash cushion for closing costs, moving expenses, and the repairs that inevitably surface in Pittsburgh’s older housing stock.

The good news is that a down payment fund grows faster than you would think when the whole household is pulling in the same direction. Small recurring wins, like the strategies in this roundup of ways to save $50 to $500 per month, compound quickly.

A family that frees up $300 a month banks $7,200 in two years. Doing it through recurring cuts rather than one-time windfalls means those savings keep flowing after closing, right when property taxes and maintenance costs start showing up.

Account for maintenance expenses

One last frugal note that is specific to this city: Pittsburgh homes are old. Much of the housing in the city proper stock predates World War II, which is part of the charm and part of the risk.

Budget for a thorough inspection and do not skip the sewer line scope, because replacing a collapsed terra cotta line can cost more than a used minivan. Ask about knob-and-tube wiring, check the age of the roof and furnace, and factor city and Allegheny County property taxes into your monthly math rather than treating them as an afterthought.

None of this should scare you off. It just means the cheapest house is not always the least expensive one to own, and parents who buy with clear eyes end up with the thing frugality is really about:

A home the family can afford to enjoy.

The post A Pittsburgh Parent’s Guide to Buying a Family Home Without Breaking the Budget appeared first on Femme Frugality.

Did you know that….

• 45% of American entrepreneurs are women?
• Since 2012, overall business growth has sat at 19%, but those owned by women have grown by 26%?
• Annual revenues of women-owned businesses have grown by 23% since 2012?

Pretty neat stats! (You can catch more of them from AEO.)

Unfortunately, women-owned businesses still have a harder time accessing capital and credit, which makes getting off the ground more difficult. Today, we’ll talk about some ways you can access funding, and some strategies to lower overhead when you’re building in a cash crunch.

Accessing funding

Getting access to credit is more difficult when you’re a woman starting a business. If you’re looking for a lender who will work with you, SBA lending to women-owned businesses has increased by about 70% since 2020.

Plus the SBA runs Women’s Business Centers across the country. These centers offer advice and training resources. A lot of times these resources are free, but when there is a charge it’s usually pretty low-cost.

There are certain VCs that specifically invest in women’s businesses, like Backstage Capital and the Female Founders Fund.

Another resource to explore is grant funding. Grants are money you don’t have to pay back — either through loan payments or returns for investors. If you’re an entrepreneur working in a creative field, Danielle Desir Corbett puts together a fantastic newsletter with a plethora of grant funding opportunities.

Saving on Costs

When I interviewed women entrepreneurs for The Feminist Financial Handbook, one of the key things I heard was that keeping your overhead low early on is absolutely key to success. One of the women relayed renting a physical space for her business, as well as hiring on one employee. The employee in particular was a pricey expense, and one that almost threw her under.

That’s not to say that employing people can’t or shouldn’t be a long-term goal. But a lot of times when you’re first getting started, you may feel like you need to hit that goal off the bat. When you take it on before your business is actually ready for it, the costs might impede the very growth you need to sustain it.

Aside from avoiding over-investing too early, there are other ways to save money. For example, if you need to purchase business insurance, check with your independent agent or the company that already holds your personal lines insurance. They may be able to bundle these insurance policies together so you can score a multi-policy discount.

Similarly, if you are running out of an office, you can bundle business phone and internet together to score lower rates — just like you would at home.

Networking

When you think about money as a small business owner, networking might not be the first thing that comes to mind. But the people you network with can have big impacts on your bottom line.

They can connect you with investors. They can clue you in to vendor discounts. They can introduce you to new customers and clients.

Don’t be overly concerned with connecting with the biggest names in your industry at the get-go. Maybe that’ll work out for you, but maybe the power imbalance will result in an opportunity squandered.

Start by connecting with people who are in a similar stage as you are. As you both grow and support each other (remember — this is a two-way street!), you’ll open up doors and opportunities together along the way.

The post Money Tips for Business Owners appeared first on Femme Frugality.

The long-awaited day is here:

The first BCBS settlement payments are finally going out, nearly 4.5 years after the last claimants joined the class-action lawsuit.

People are DISAPPOINTED about the amounts they’re getting. Anecdotally, at the time of writing many people are reporting receiving ~0.005% of the qualified premiums they included in the suit. Anecdotes are not guarantees…it’s just what other people are saying they received so far.

If you have received a payment already, it’s highly likely that you opted to be paid via a prepaid Visa® card. This was advertised as the fastest way to get paid.

But there are some things you should know before you fill up a quarter tank of gas with your settlement money.

What to know about the BCBS Settlement prepaid Visa card

Any time you have a prepaid card, there are some things you need to be aware of. BCBS settlement payments are no exception.

This list is not all inclusive — it’s just top-of-line things I personally think are important to know as a veteran personal finance writer. If you want to get the full scoop, you can dive into the fine print of the cardholder agreement here.

Be mindful of fees

If you think your settlement payment is small now, be careful not to let it sit for too long. Because it could get smaller.

Fees are not uncommon on prepaid cards. The fees on the BCBS settlement cards are not the worst. But they are something to be mindful of.

Monthly inactivity fee

If you let your card sit inactive for 18 months in a row, you will start to be charged an inactivity fee. This fee is $0.75 per month.

Foreign transaction fee

If you spend on your card outside the U.S., you’ll incur a 3% foreign transaction fee. This is not outside the norm — many regular degular credit and debit cards have similar fee structures.

You’re also going to be subject to the card issuers’ (Visa’s) foreign exchange rates. In my experience, card issuer exchange rates tend to be bad. But I can’t speak for Visa’s rates specifically at any given point in time.

The cheapest way to spend your card money is in America, though.

Lost or Stolen Card Fee

If you lose your card or it gets stolen, you will have to pay for a replacement. The fee is $5.95.

Be sure to record your card information somewhere safe. If your card does disappear, you’ll need to provide this information to get the new one. You’ll also have to wait for up to 30 days for the replacement to be issued.

What if I don’t want my money on a card anymore?

Now, if you purposefully terminate and destroy the card, you can request that Choice Digital issue you a paper check for the remaining balance.

Be in careful contact with Choice Digital before you do any destruction, though. If you have any phone conversations, be sure to follow up with written correspondence and confirmation.  You can do this by snail mail, but it’s easier and equally valid to do it by email.

Your BCBS Settlement prepaid card does expire.

Check the expiration date when you enter the code to activate your card. If your card expires or is shut down due to inactivity (which, don’t forget, comes with fees), your balance doesn’t evaporate. You just won’t be able to use the card anymore.

At this point, you’d want to get in touch with Choice Digital to figure out next steps. If it expires and no one is in touch with you, eventually they have to send the remaining balance to the Unclaimed Funds department at your state treasury.

You can convert to a physical card.

If having a prepaid card is a pain, having a virtual prepaid card is worse. Yet, the default in this situation is digital.

You are able to convert your virtual card into a physical one. You have to call the support number on Choice Digital’s contact page to initiate the process.

You can’t use your prepaid card just anywhere.

Virtual prepaid cards can generally be used to pay online. The physical cards are a little more flexible, and can be used to pay in-person anywhere Visa cards are accepted — as long as the merchant accepts prepaid cards.

Regardless of which one you have, there are some restrictions on your card. You can’t use it to withdraw cash from an ATM, for example. While you can use it to pay for gas, you’re going to have to pay inside rather than at the pump.

Some other explicit restrictions on BCBS settlement prepaid cards include:

• Subscription fees
• Automatic bill pay
• Paying off your credit card balance
• Pharmacies
• Digital games
• Sports betting (or any gambling)
• Crypto
• Stocks or bonds
• Pawn shop purchases
• Dating app purchases
• Expensive fancy stuff, like high-end watches from a jewelry store

Again, not an exhaustive list. Check your card agreement when you activate to see every last thing you cannot buy.

Do not hold your breath and hope there’s enough money on your card.

You’re not supposed to be able to overdraw on your prepaid settlement card. If you swipe for a purchase that costs more than what you have on there, the idea is that the transaction shouldn’t get processed.

However, if for some reason it does go through when it shouldn’t, you are responsible for paying the difference back. Do the math before you press ‘pay.’

You’re giving away a lot of personal data when you use a third-party login.

Signing in with Google, LinkedIn or Facebook feels super easy. And it does reduce friction.

But it also gives away a lot of your personal data. Here’s how Choice Digital puts it in their Terms of Service:

“If you connect the Service with a third party service…you give us permission to access and use your information from that third party service as permitted by that service, and to store your login credentials for that service; all information we receive from such third party service will be deemed Registration Information.”

You don’t have protection like you would with a credit card.

A prepaid card is not a credit card. If you suspect a fraudulent charge on your credit account, the issuer usually refunds the purchase to you while they sort it out.

As a general rule, if money gets stolen off of a prepaid credit card, you’re not typically given that benefit of the doubt — especially not upfront with immediacy. The money that’s stolen is more likely to stay stolen.

Though you can contact Choice Digital to see what they can suss out for you. Part of that may require issuing you a new card, in which case you’re in ‘lost or stolen card’ territory.

The fine print is important

There’s a lot more in the cardholder agreement and terms of service, like the fact that you’re responsible for paying taxes on your settlement (even if the amount you got is too small for the lawyers to issue you a 1099.) By using the card, you’re also waiving your right to a jury trial should you hit any bumps in the road.

The fees could be worse.

It’s nice — albeit a little inconvenient — that you can turn your digital prepaid card into a physical one or even turn your balance into a paper check.

But this method of payment, while speedier in terms of issuance, is going to require a little extra homework as you go to use it.

The post The Fine Print on Your BCBS Settlement Prepaid Card appeared first on Femme Frugality.

In this economy, it’s hard to have any money leftover for that “entertainment” section of your budget. Life shouldn’t be all work and no play, though. Luckily, there are some ways to have fun for free (or close to it.) Believe it or not, that fun can include MLB games.

Legit.

Kids’ Clubs can help you get MLB tickets for free

Many professional baseball teams have kids’ clubs that can hook your little one up with freebies. The exact rules and perks will vary depending on your team, but they can include tickets, merch, exclusive experiences like running the bases and more.

To find your team’s club, go to the MLB website and find the team’s general page. Then navigate to Fans –> Kids Club.

Pittsburgh Pirates: Bucaroos Kids Club

Home team advantage! Let’s check out the deals in Pittsburgh.

The Pirate’s Kids Club is called the Bucaroos Kids Club.  If you have a child under 14, you get a ton of free stuff, including tickets and gear.  There’s two levels of membership.  The first is free, the second is $35.  Which isn’t a lot considering most tickets at PNC Park would cost more than that, anyways — especially if you’re taking the whole fam.

Silver Package (Free)

Gold Package ($35)

The gold package costs $35 standard, but if you’re a fancy season ticket holder or have Pirate checks from PNC bank, it’ll only run you $30.

• Four free tickets
• A one-time-use code for $10 off tickets for your party.
• Coupon for three free Chick-fil-A sandwich or order of nuggets.
• Membership Kit with a drawstring bag, widget cap, Pirate parrot socks and sunglasses.
• Member-only discount at the Pirates Clubhouse Store.
• One front-of-the-line pass for Kids Run the Bases (this event happens after Sunday games.)
• Special event access, like meeting the Parrot, autograph sessions, etc. These are first-come-first-serve, though, so even with your membership you’ll want to sign up early.
• Member card and lanyard.

How to claim your Pirates’ Kids Club Membership

There are two ways to claim your membership. After you sign up online, you can pick up your welcome kit for free in the stadium on days when there’s a home game. This option is technically free, though you will have to get inside the stadium. (You can try your luck at the ticket counter outside, but that’s not technically how it’s supposed to work.)

Or, you can pay $6 to have your welcome kit with tickets, coupons and all the goodies shipped directly to your house. It’ll take a week or two to get to your doorstep.

The post Pirates’ Kids Club appeared first on Femme Frugality.

I’m willing to bet you have several subscription fees coming out of your bank account automatically each month. And I’m also willing to bet that when you sit down with your budget, these forgotten-recurring fees have you rethinking your entertainment spending. Streaming is convenient, but those of us old enough to remember kind of miss the feeling of actually owning an album. Vinyl records, CDs, and cassette tapes… In some circumstances, collecting is not just a hobby but a more thoughtful way to spend.

Shifting back to owning physical music media isn’t about turning away from modern technology. It’s part of a bigger trend toward mindful spending. Instead of paying for endless access, collectors buy items they can hold, display, and enjoy for years. This small but meaningful step fits with bigger financial goals: spending with purpose and building lasting value.

Why Nostalgia Plays A Powerful Role

Nostalgia is more than just a sentimental feeling. It can strongly influence how we spend money. People connect music to special moments in life, like road trips, late-night studying, or family gatherings. Owning a physical album makes those memories feel more real and easier to revisit.

Physical collections last, unlike digital playlists that can change or disappear. This stability is comforting in a world where much feels temporary. For people watching their budgets, it’s a reminder that purchases should bring long-term emotional value, not just quick convenience. .

Building A Collection Without Overspending

You don’t need to spend hundreds of dollars to start a music collection. Many collectors start small and add to their collections over time. The key is to have a plan.

Thrift stores, secondhand shops, and local markets are great places to find affordable music. You can often pick up classic albums for much less than their original price. Online marketplaces also offer good deals if you’re patient and wait for the right moment.

Another good idea is to set a monthly budget for collecting. By deciding on a set amount, you can enjoy your hobby without hurting your bigger financial plans. This way, collecting feels fun and guilt-free instead of an impulse buy.

If you want to browse a curated selection, platforms like Evergreen Vinyl have a variety of vinyl records, CDs, and more. This makes it easier to find special additions to your collection without spending hours searching.

The Financial Benefits Of Physical Media

Music collecting is usually seen as a hobby, but it can also have financial benefits. Physical media keeps its value over time, unlike digital subscriptions. Some albums, especially rare or limited editions, can become more valuable.

Not every purchase will make money. But shifting your focus from spending to keeping value has its perks. You’re not only buying music — you’re getting items that can be sold, traded, or handed down later.

Owning your music can help you save money in the long run. Once your library is large enough, you can ditch those monthly fees you’re paying for streaming services. (And if it’s not big enough yet? YouTube is free, and the most widely used platform for listening to music.)

Creating A Personal And Meaningful Collection

One of the best parts of collecting is making something that feels truly personal. Your collection shows your taste, experiences, and who you are. Unlike playlists made by algorithms, it tells your own unique story.

You can use this opportunity to rediscover artists you loved in the past or explore genres you never had time for before. Some focus on building collections around specific themes—such as empowering artists, nostalgic hits from a certain decade, or albums tied to important life events.

Being intentional makes your collection more meaningful and helps you avoid overspending. When you know what you want, you’re less likely to buy things that don’t matter to you.

Turning Collecting Into A Social And Budget-Friendly Hobby

Collecting music doesn’t have to be something you do alone. It can be a social and affordable hobby. Record swaps, local meetups, and online groups let collectors share, trade, and find new music without spending money.

These interactions often lead to better deals and valuable insights. Experienced collectors offer advice on pricing, quality, and where to find hidden gems. For beginners, this guidance prevents costly mistakes and makes the process enjoyable.

Hosting small listening sessions at home is another great way to enjoy your collection. Instead of spending money going out, you can have special moments with friends using music you have.

Balancing Joy And Financial Responsibility

At its core, building a music collection is about balance. It’s finding joy in the process while staying aligned with your financial goals. This is especially important in today’s economic climate, where every purchase carries more weight.

If you treat collecting as a mindful habit instead of a spur-of-the-moment one, you get the best of both worlds. You enjoy owning something special and keep your budget on track. Simple strategies like tracking your spending, setting limits, and choosing quality over quantity can make a big difference. Over time, these habits help in other parts of your financial life, too.

A Modern Take On Frugality

Frugality is often misunderstood as deprivation, but modern frugality is about making smarter choices, not sacrificing joy. Building a music collection on a budget perfectly embodies this philosophy.

Instead of buying every new release or following every trend, collectors are focusing on what matters most to them. They choose quality over quantity, meaning over convenience, and long- term value instead of quick rewards.

This approach not only leads to a more fulfilling hobby but also reinforces positive financial behaviors. It shows that you don’t have to give up the things you love to be financially responsible—you just need to engage with them more thoughtfully.

The Lasting Impact Of Thoughtful Spending

As more people choose to spend with intention, hobbies like music collecting are changing. They’re now seen as meaningful investments in happiness and well-being, not just as indulgences.

A carefully curated collection becomes more than just a set of albums—it becomes a soundtrack to your life. Each piece carries a story, a memory, or a feeling that can be revisited anytime.

In the end, smart spending doesn’t mean giving up joy. It’s about deciding where your money goes and making sure it brings lasting value. For many women, building a music collection brings together nostalgia, creativity, and financial mindfulness.

The post Building a Meaningful Music Collection on a Budget appeared first on Femme Frugality.