Category Archives: Family Finance

If you’re paying for health insurance anyways, make sure you’re getting the most for your money. Here are five surprising things your health insurance may cover.  Plans and coverage vary, but it’s worth investigating to find out.

Pirates’ Kids Club

How to get free or seriously reduced price tickets to Major League Baseball games when you have kids.

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)

  • One free ticket (only restriction is you can’t  use it for Saturday games.)
  • A one-time-use code for $10 off tickets for your party.
  • Coupon for one free Chick-fil-A sandwich or order of nuggets (I am just the messenger — I did not pick the sponsor.)
  • Member-only discount at the Pirates Clubhouse Store.
  • Member card and lanyard.

You may also like: Save Money at PNC Park

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.

Are pet supplements worth it?

This article is brought to you and contributed by an outside writer. 
Black white and brown small short-haired dog looking at the camera, sitting in front of a plain peach background

Thinking about pet supplements for Fido? Before you reach for the cheapest item on the shelf, do a little research to ensure you’re giving your fur child something that’s actually healthy. Done right, a little bit of extra money spent on a quality supplement could be a useful tool in their health plan.

Purpose of Supplements for Dogs

Pet supplements aren’t a magic pill. You still need to feed your dog a balanced diet and take them to the vet regularly.

Think of it in the same way you think of vitamins for human health — you might take a vitamin for a specific health issue like Vitamin D deficiency or in order to prevent osteoporosis, but you’re not going to skip doctor’s visits just because you’re taking vitamins. They may supplement your health, but they don’t make you invincible.

You’re also going to take care what you put into your body, because this field isn’t regulated. Same thing with your pup — you’re going to research the best vitamins that support your pet’s specific needs, and you may take special consideration of health conditions that tend to affect their specific breed into account. Their age may also be a factor.

Where Pet Supplements Can Help

Let’s look at dental disease as an example. It’s one of the most prevalent health issues for dogs, and without intervention, things can devolve quickly. Some of the worst-case scenarios are eventual infections of internal organs. This will be a big and scary vet visit.

But if you get on the same page with the vet about supplements that can help with that dental disease, you may find your puppy has better outcomes. They’re not the only solution, but they can be a supportive part of a bigger plan that keeps your pet baby happier and healthier.

Digging for Gold

Let’s be real: You will find some garbage products on the shelf that are entirely filler. Not all supplements are created equally.

That doesn’t mean none of them are high-quality, though. Some things to look for when trying to identify a trust-worthy brand include:

  • Transparency about ingredients.
  • Clear labeling of active components.
  • Products that specifically target your dog’s individual health needs.

For example, Pup Labs online offers products like ProDenta — addressing that need for good dental hygiene without trying to address every other issue in your dog’s body at the same time.

What to Avoid

There is some good marketing in the pet supplement space, but good marketing does not necessarily make a good product. Here are some things to look out for when shopping for supplements for your dog:

  • Anecdotal testimonies without any explanation of why or how the product actually works.
  • “Natural” doesn’t necessarily mean healthy or safe. This is particularly important if your dog is on any other type of medication, as there are instances where you could see a negative interaction.
  • Unrealistic timelines. You’re likely looking at weeks before you see any improvements — not days. So any brand promising overnight miracles should raise your eyebrows.

RELATED: Frugal Pet Adoption in Pittsburgh

Are pet supplements worth it?

Your dog may benefit from pet supplements — but it’s always a question worth talking over with your vet. The lack of consistency in the market combined with the potential of drug interactions makes discussing this aspect of your dog’s health with a health professional a wise choice.

That said, a well-formulated supplement that target’s your pup’s individual needs could be a helpful tool in the health toolbox, with the veterinarian’s blessing.

Gifts for Dad That Are Worth the Spend

This article is brought to you and contributed by an outside writer, with contributions to the article from Femme Frugality. 

Man sitting next to daughter's bassinet under a light a the hospital

I am a big believer that gifting is not a tenant of capitalism. It’s a practice that can be found in cultures the world over — even and sometimes especially ones that put society ahead of the markets.

It’s why you’ll find gift guides here on Femme Frugality without shame. Some of them will show you how to shop super frugal — or even how to DIY free gifts on your own. Others, like this one, recognize that it’s not the worst thing in the world to spend a little money on someone you love. Especially if the gift is high value, where value equals high quality for the dollars you spend.

Without further ado, let’s take a look at some high value gifts for the dads on your list.

1. Socks with Personality

When dad goes into the office, he’s got to look professional. But that doesn’t mean he can’t show a bit of personality! Socks are the perfect place for it, and if the socks are comfy to boot? Perfect gifting opportunity.

That’s kind of the whole idea behind Southern Scholar — a place to buy dress socks for men that aren’t boring but also aren’t so silly that he won’t be taken seriously.

2. Beautiful Coffee

Yes, my friends, coffee can be beautiful. Before dad puts on those socks, he might need a little (or a big) pick-me-up before heading in to work. High-quality options like those offered by Red Bay Coffee can put a little well-deserved decadence into his morning.

3. Baby Bjorn

Dad’s job doesn’t end at the office. He’s an active parent, too. When my kids were little, I tried two different baby carriers. One was a generic. One was Baby Bjorn. Want to guess which was superior?

TBH, both of mine were hand-me-downs from friends. But if I were welcoming a new baby, I’d definitely splurge on this over a rocking chair. Because baby’s don’t need much — but some purchases do make their parents’ lives easier.

4. Woven Photo Blanket

It’s easy to get ‘junky’ with personalized gifts. But if you invest a little more, you can get him something that reminds him of family that will also last a while. Sites like Snapfish allow you to order photo blankets — but not just faces printed on a thin piece of fleece. You can actually order a woven blanket that will proudly display photographs of family memories in the threads, intricately serving for both function and sentimentality.

5. Sick Watch

Long-time readers will know I’m not super into luxury watches. But if you’re going to go that route, the designs from Talley & Twine are pretty incredible. Again, it’s along those lines of something that’s professional, but still allows him to show some personality.

6. Prized Possession

There are some things money can’t buy. Some of the most meaningful gifts I’ve given or received haven’t necessarily been about the value (though they have held value,) but rather about the act of being willing to give them up.

Let’s say you’re a father, and your son is about to become a father himself. Giving him something that you hold in high esteem and count among your valued possessions — whether it’s related to parenthood or not — could be an incredibly meaningful gift. A signifier of a rite of passage. It may even turn into a family heirloom.

The significance of passing it on becomes more important than the cash spend.

Budgeting Tips for Families

This article is brought to you and written by an outside writer.
man and baby lying on the floor smiling at each other

Creating a family budget might not sound like the way you want to spend your next block of free time. Doing it for yourself might sound bad enough without having to involve the entire family. The truth is that while creating a budget may not sound like the average person’s ideas of fun, it can have a number of benefits.

You’ll know where your family’s money is going and what you need to do to reach your goals.

You’ll know when you can actually spend money without guilt and when you need to rein it in.

Perhaps most importantly, family budgeting is one of the best things that you can do to give  your kids a head start in life. The tips below can help you begin and stay on track.

Make a Budget

It’s never been easier to make a family budget with so many apps to help you. However, if you’d rather do it on a spreadsheet you make yourself or even on paper, that’s an option too. The principle is basically the same no matter what.

Essentially, you need to add all the money coming into the house and figure out what’s going out. This second part can be especially tricky because it’s easy to forget to allow for infrequent events, such as needing a new tire or buying laundry detergent.

On the other hand, having a big miscellaneous pool can lead to the temptation to spend more. Even if you throw together a quick budget to start, this is why it’s such a good idea to track your spending over several months to see where your money is going.

You can then start to make adjustments. If you’re spending more than you earn, you’ll have to figure out how to either earn more or cut back. Ideally, you should also be able to build an emergency savings fund and put away money for retirement.

Explore Creative Solutions

Financially speaking, life for young families today is a lot more complicated than it was for their parents and grandparents. Jobs tend to be less stable, and sometimes it can be tough to make ends meet. This is one reason the gig economy has flourished, and if you need a few extra dollars, these types of jobs are not the worst way to top up your family income.

One of the places that there can be real challenges which previous generations didn’t face is in paying for medical care. This can be particularly true for dental care, which is often not included as part of health insurance packages.

Dental care for kids provides them with an important foundation for oral health and good habits, so you don’t want to neglect this. One option is an installment plan that lets you get treated now and pay monthly, being able to split big costs into smaller payments. You can apply online for a zero-interest payment plan without hurting your credit score. Your dental practice can provide you with a unique application link, or you can find it online. With this, you can get your kids the dental work that they need without having to wait.

Get Kids Involved

There are many advantages to getting your children involved in the family budget. First, it teaches them financial literacy, which is a valuable skill that they’re unlikely to learn anywhere else. But there are a couple of other good reasons to involve kids in the process.

One is that it can be a bonding experience. It really does build the sense of a family unit working together toward a goal.

The other is that it gives them a realistic picture of what you can and can’t afford. If you’ve ever had your kids roll their eyes at you as you tried to explain why something they wanted was too expensive, you’ll appreciate this one.

There are age-appropriate ways to teach about money, but children of almost any age can benefit from receiving an allowance. This helps them start saving, planning and budgeting for things they want. When they’re very young, you can let them participate in things like planning the grocery shopping. Give them a choice between several items of equal choice. They can also help plan family activities or portions of vacations based on a small budget.

As they get older, you can give them money for things like school clothes and let them make their own purchases out of that budget. In addition, help them open a bank account, and talk to them about money. If they ask you financial questions that you don’t know the answer to, you can research it together.

Changes to ABLE Accounts in the 2025 Reconciliation Bill

In July, the 2025 Reconciliation Bill passed. There’s… a lot….in this bill.

Before we get into ABLE account changes, I want to preface this article by stating very clearly that this bill was not a win for the disability community. It was actively harmful. And it’s just one prong of the multitude of actively harmful things that have been implemented in recent months.

Donate to ADAPT.

Fund your friends’ ABLE accounts.

Things are about to get heavy.

Here’s a timeline from The Arc outlining exactly when and how some of the changes in this bill will affect people in the disability community:

That said, thanks to tireless advocacy efforts over the course of the past eight years, there were some positive changes in the bill for ABLE accounts. It’s good to be aware of them, even if everything else is overwhelmingly bad.

NOTE: Are you disabled, or do you have a disabled family member? The Plutus Foundation has generously sponsored a grant to offer you free DISABILIFINANCE education courses — including one on ABLE accounts. Check out the details to claim your free ticket today. 

Effective Jan. 1, 2026: You may be newly eligible for an ABLE account.

ABLE accounts allow you to shelter assets from programs like SSI and Medicaid. They also allow you to invest money without paying taxes on the gains — as long as you spend the proceeds on qualified disability expenses. While you should always read your state’s disclosure agreement, on the whole, most life expenses from medical needs to housing to food to vacations count as disability expenses when you are a disabled person.

This first “change” we’re going to cover isn’t one that was included in the Reconciliation Bill. But it is one that isn’t getting enough media attention, so I want to talk to you about it off the top.

Thanks to SECURE 2.0 which passed in 2022, the eligibility age for ABLE accounts is going up. It used to be that you could only open an ABLE account if you were under age 26 at the time of onset of your disability. This left out more than half of the disabled people in America.

But effective January 1, 2026, the age is going up from 26 to 46. Six to eight million people will be newly-eligible when the calendar turns. Among them about 1 million veterans.

If an ABLE account would help you but you haven’t qualified in the past due to the age restriction, this is a date you’ll want to circle.

ABLE to Work is Now Permanent

Okay. From here on out, we’ll be talking about changes from the 2025 Reconciliation Bill.

Usually, you’re allowed to contribute the equivalent of the gift tax exemption to your ABLE account in any given year. In 2025, the max contribution is $19,000.

ABLE to Work is a program which allows certain disabled people who work to contribute extra. The exact amount varies by state, but is tied to the Federal Poverty Line. For those who qualify, this nearly doubles the maximum contribution in any given year.

ABLE to Work was set to sunset at the end of 2025. However, the Reconciliation Bill made it a permanent program — no more expiration dates.

Savers’ Credit/Match Mess

Prior to this bill’s passage, you were allowed to claim the Savers’ Credit if you contributed to your own ABLE account in your own name. This allowance was set to expire at the end of 2025.

Simultaneously, the Savers’ Credit was set to be phased out for everybody. Starting in 2027, the Savers’ Credit will turn into a Savers’ Match. The same type of algorithmic formula will be applied, determining the percentage of your credit/match in accordance with your income.

But instead of getting a tax deduction for contributions to eligible accounts, moving forward the government will ‘match’ a percentage of your contribution by depositing the match directly into the account in question.

The Reconciliation Bill extended Savers’ Credit eligibility for ABLE accounts, and made them permanently eligible for the upcoming Savers’ Match program.

529 to ABLE account rollovers made permanent

Another provision that was set to expire at the end of 2025 was 529 to ABLE account rollovers. The ability to rollover these accounts is a big deal as not all disabilities are diagnosed at birth. You might open up a 529 account to save for your child’s college education while they’re an infant.

Then comes the diagnosis. Maybe that diagnosis means college isn’t as clear-cut of a path forward as you previously thought. (Though, just as likely, maybe it doesn’t take it off the table, either.)

But it probably definitely means that you have medical and other expenses in the here and now that you weren’t counting on. If the money’s locked away in a traditional 529 account, it’s going to be hard to access for disability expenses without incurring tax consequences.

If you roll that 529 over into an ABLE account, though? That frees up the money to spend on college or whatever else your child may need — whether that’s in young adulthood or in the here-and-now. And it allows you spend on any number of life expenses without incurring those tax penalties upon withdrawal.

The Reconciliation Bill made these rollovers permanently permissible. The December 31, 2025 expiration date is gone.

Marginal Increases to Contribution Limits

There’s language in the Reconciliation Bill that would marginally increase the standard annual contribution limit to an ABLE account to something slightly higher than the gift tax exemption in future years. It’s a complicated formula based on a change in inflation-year calculations.

We haven’t seen this formula implemented yet, and it’s complicated enough that explaining it is likely to cause more confusion than clarity.

The takeaway here is that you might be able to contribute an itsy-bitsy bit more moving forward, but it’s unlikely to be an amount that’s life-altering.

Trump Account to ABLE Rollovers

The Reconciliation Bill also created a new type of account — a Trump Account. The tax advantages look minimal to non-existent. From what I know at this point in time, I wouldn’t be super enthusiastic about pouring money into one of them myself when there are so many better options available.

Their big selling point, it appears, is a birthing incentive. Which could be a whole other article. But for children born in 2025 through 2028, the government will fund the account with $1,000. For most American families, this would barely put a dent in the labor and delivery bill the hospital sends you after giving birth.

It looks like it’s going to be really, really difficult to get that money out without incurring some type of penalty. If the child ends up having an ABLE account, though, you will be able to roll the Trump Account balance over. Because you’re able to withdraw money from ABLE accounts tax-free in so many instances, at this point it appears that having this rollover ability will be an advantage.

An advantage on a $1,000 balance. But an advantage, nonetheless.

Where to learn more about ABLE accounts

When I write about ABLE accounts, I often find myself consulting the brilliant Paul Curley of ISS Marketing. Such was the case when I dove in to decipher all the legal language in this latest bill.

Paul also runs the 529 Conference, and is the data wizard when it comes to all things ABLE and traditional 529. To follow all the latest legislative and statistical data about ABLE accounts, I highly recommend his newsletter.

If you’re interested in opening an ABLE account — whether you’re newly eligible with the age expansion or just haven’t made the jump yet — two great resources are the National Association of State Treasurers ABLE Today website and the ABLE National Resource Center.

And, of course, if you’re interested in getting a free ABLE training course from DISABILIFINANCE, do get in touch.