If someone handed you $3,400 and said you could use it tax-free on your health expenses this year you would take it right? That is essentially what a Flexible Spending Account is. And yet most people either do not have one set up properly or are leaving a significant chunk of that money on the table every single year. I was one of those people for years. I had an FSA but I treated it like a rainy day fund for copays and nothing else. Then I started actually learning how it wo

Getting an FSA card in your benefits package and not knowing exactly how to use it is one of the most common things I hear from moms. You know you have one. You know it is supposed to save you money. But the specifics — where it works, what it covers, what happens if you use it wrong — are genuinely confusing. I have been there. Here is the complete guide to actually using your FSA card — including the things nobody tells you. What Is an FSA Card? Your FSA card is a debit car

Every December I see the same panic in every mom group I am part of. Someone posts that they have $400 or $600 or sometimes over $1,000 sitting in their FSA and they have no idea what to spend it on before the deadline. The responses pour in but they are always last minute and stressful. I lost FSA money one year before I really understood how it worked. Like a few hundred dollars. And the next year I did an end of year panic buy of children’s medecine, first aid kid supplies

My Favorite FSA/HSA-Eligible Beauty Products — The Mom Edition. Amazon Associate Disclaimer: As an Amazon Associate, I earn from qualifying purchases.Eligibility varies by plan; always confirm before purchasing. Now that we’ve covered the basics in the blog series and shopped Ulta and Sephora like pros, let’s talk favorites, the products I personally reach for, repurchase, and keep stocked at home. These fall into categories that are commonly eligible for FSA/HSA reimburseme

How to Find FSA/HSA-Eligible Beauty at Sephora & Ulta — Yes, It’s a Thing. If you read Part 1, then you already know that a surprising amount of skincare — especially SPF and acne treatments — can be purchased with your FSA/HSA dollars. But here’s where things get fun:You can absolutely buy eligible items from Ulta and Sephora. You just need to know where to look… and how to get reimbursed. Let’s walk through it step by step. Where You Can Use Your Card Instantly Before we di

Wait… You Can Use Your FSA/HSA on Beauty Products? If no one has pulled you aside and told you this yet… I’m about to make your whole week: You can use your FSA or HSA dollars on certain skincare and beauty items. I know. I also felt like I had been left out of a secret group chat. Woman smiling and washing face with foaming cleanser Like most moms, I thought my HSA/FSA card was only for my expensive contact lens orders, kids’ medicine, and the 47 doctor visits trips we make