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February 28, 2025
By
The Admiral Staff
Facing medical debt is common, with about 100 million Americans holding nearly $220 billion in collective medical debt. The article provides a step-by-step guide to negotiating medical bills, emphasizing that healthcare providers often accept less than the full amount owed. Key strategies include: opening the bill promptly, seeking financial assistance early, determining an affordable payment amount (around 3% of gross income), directly negotiating with the provider or debt collector, setting up a payment plan, and proactively exploring
February 22, 2025
By
The Admiral Staff
If you have a Health Savings Account (HSA) and are facing medical debt, you may be able to use it to pay down those bills. You can use HSA funds to pay for medical expenses incurred *after* you established the account. Even older debt can potentially be paid off by contacting your HSA provider, providing receipts, and getting approval for reimbursement. If you previously had an HSA, you can still use those savings for current or past medical expenses, and the account remains accessible indefinitely, with
February 19, 2025
By
The Admiral Staff
This article provides 12 easy, affordable, and healthy freezer meal recipes designed to save time and money. It emphasizes recipes that are filling and satisfying, avoiding the pitfalls of healthy meals that leave you hungry. The article also suggests ways to earn extra money through online surveys and tasks to help fund these freezer meals, and offers tips for proper freezer meal storage and preparation.
February 18, 2025
By
The Admiral Staff
The article explores options for accessing free or low-cost yoga classes, addressing the rising cost of studio sessions. It highlights seven avenues: yoga studios offering sliding scales, work-for-yoga programs, and community classes; outdoor classes in parks; yoga sessions at local libraries and churches; workplace wellness programs; online searches via Facebook Events and Meetup; and free online streaming platforms like YouTube and Do Yoga With Me. The article emphasizes that a fulfilling yoga practice doesn’t require expensive equipment or studios,
February 17, 2025
By
The Admiral Staff
Rising housing costs are straining many American budgets, often representing the largest monthly expense. To combat this, the article explores six alternative housing options: coliving (shared living spaces), tiny houses, RVs, skoolies (converted school buses), off-grid living (self-sufficiency), and house hacking (renting out portions of your property to offset mortgage costs). Individuals highlighted in the article have found significant savings through these approaches, with examples including savings of $600/month through col
