12 Budget Notebooks That’ll Help You Get Your Finances in Order

What is HSA?

HSA stands for Health Savings Account, a type of savings account that lets you set aside funds to pay for qualified medical expenses. HSAs are often available as a part of health insurance plans, though banks and credit unions offer them, too.

What can I buy with an HSA?

You can buy a lot more with your HSA funds than you think: menstrual products, over-the-counter medicines, sunscreen, and travel to and from medical appointments are just some of the things you can buy with an HSA.

Is HSA worth it?

Whether an HSA is worth it is really dependent on your needs. There are some nice advantages associated with it, though. You may be able to lower your out of pocket costs for medical needs. Plus, the funds are not taxed, so you may be able to save more. Unlike an FSA (Flexible Spending Account), HSA funds roll over year-over-year, so you don't have to worry about it expiring.

Should I max my HSA?

Maxing out your HSA to your account's annual maximum amount via monthly contributions can be beneficial if your goals are to save money and limit out of pocket costs for medical care. You can also opt to invest some of your HSA funds, which can be a smart decision for saving for things like family planning or retirement.

Sunscreen

Per Cigna, sunscreen counts as a reimbursable HSA purchase. SPF is super important for skin cancer prevention, plus wearing it regularly can reduce signs of aging – a win-win!

Hatch Alarm Clock

The famed Hatch Restore alarm clock is both HSA and FSA eligible. It's a superb tool for going to bed soundly and waking up feeling refreshed as ever!

Period Underwear

Menstrual care and feminine hygiene products are also HSA eligible. Cigna says this category may include tampons, pads, liners, cups, sponges, and similar items, like period underwear!

Theragun

This luxurious massage gun is both FSA and HSA eligible! It's truly life-changing for relieving muscle soreness and tightness. Therabody's other devices like the Theragun PRO Plus, Theragun Sense, and Theragun Relief are also eligible.

Oura Ring

This fitness tracker ring is FSA and HSA eligible – it can help you keep tabs on your sleep, activity, stress, heart rate and more.

Breathing Strips

According to Cigna, breathing strips are HSA eligible, plus you don't need a doctor's prescription for reimbursement.

Electric Toothbrush

Electric toothbrushes are HSA eligible and reimbursable with a medical diagnosis. This model in particular cleans way better than a regular toothbrush, expertly supporting your oral health.

Essential Oils

Essential oils are HSA-covered with a medical diagnosis. Certain oils can help relieve stress, anxiety, physical pain, and nausea, and aid in better sleep.

Hand Sanitizer

Hand sanitizers of any kind are also surprisingly HSA eligible. We love these sprays from Touchland because they're cute, easily portable, and smell delicious.

Humidifiers

Humidifiers are indeed HSA eligible – the moisture they put out into the surrounding air can relieve respiratory issues, common colds, and even reduce snoring.

Air Purifiers

Similarly, air purifiers are eligible because they can help remove airborne contaminants and viruses that cause allergies and disease.

Spa Trips

In the case you're prescribed a lovely visit to a spa or resort by a physician for medical treatment, the only part that's covered by HSA are the services you receive while you're there. The cost of transportation is not eligible for reimbursement.

Blue Light Glasses

Blue light glasses are covered by HSA; lenses like these block out blue light from screens which helps prevent eye strain and fatigue.

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A post shared by Josephine Anderson (@fosterthevalley)

Josephine Anderson, who posted a video on her Instagram @fosterthevalley, outlined the costs of her uncomplicated vaginal birth, and TBH, it was shocking.

The financial breakdown of her experience (with Cigna for insurance):

• Routine office visits (including 2 ultrasounds): $1,266
• Labs: $3,440.81
• NIPT genetic testing: $15,319.36
• Anatomy scan: $1,270
• RhoGam: $360
• Hospital for mom: $23,722.10
• Hospital for baby: $7,402.80
• OBGYN for delivery: $5,000
• Epidural: $5,720
• Breastfeeding support: $2,589.78
• Pediatrician: $209

Josephine’s video warranted thousands of comments, most of which were appalled by the costs of her experience:

“This needs to be shared in SexEd classes,” one commenter wrote.

“The US medical system is BROKEN,” another said.

“And people are still confused why more women are choosing to remain child free… we literally can’t afford it,” another user commented.

Brit + Co spoke with Wendy Colson RN, IBCLC and CEO/Founder of BOOBIE Superfoods to gauge if Josephine’s costs were typical for the care she received. Colson has significant insight into how insurance works not only from an employer’s perspective, but from personal experience as a patient with breast cancer.

“The $4,788.98 net amount she mentions is realistic given that her deductible was $3,000. If she had chosen a plan with a $1,000 deductible – which is a common ceiling for good coverage – the same scenario would have cost her around $2,789,” Colson said. “The video highlights the importance of understanding what you're getting with an insurance plan, especially when you anticipate major life events like childbirth.”

Colson primarily attributes unanticipated costs for medical care (like in Josephine’s case) to patients that choose their insurance plans with, well, no real plan.

“Many [people] opt for the [plan] with the lowest paycheck deductions without fully evaluating the benefits,” Colson said.

There’s often a tradeoff between paying less per paycheck and receiving your desired benefits: for example, if you elect to contribute less money towards your insurance per paycheck, you may end up paying more out of pocket for things like doctor’s office visits and prescriptions.

“Making an informed choice is key to saving money in the long run,” Colson continued. “In short, it's crucial to consider both the immediate costs (like paycheck deductions) and the potential future costs (like deductibles and copays) when choosing an insurance plan.”

Another major cost Josephine mentions in her video was 12 weeks of unpaid maternity leave, which cost her a total of $18,000 (in lost income).

Per the passing of the Family and Medical Leave Act (FMLA) in 1993, moms have a legal right to up to 12 weeks of unpaid maternity leave. The U.S. Department of Labor notes that the act was designed to help employees balance their work and family responsibilities, accommodate the legitimate interests of employers, and promote equal employment opportunity for men and women.

It all sounds great until you realize the time off is indeed unpaid, which doesn't really aid in the amount of money parents end up owing after all is said and done in the pregnancy and childbirth processes.

Only 13 states plus the District of Columbia offer paid maternity leave. When you compare the United States’ laws to that of other industrialized nations, they don’t exactly measure up.

Colson says Sweden’s maternity leave policy is “one of the most generous,” offering 390 days of paid parental leave (shared between parents) and 80% of wages covered for a significant portion of the leave. In Germany, mothers are entitled to 14 weeks of maternity leave plus a tax-free, income-based allowance straight from their insurance provider.

Though it’s likely that US laws will never be that generous in terms of paid maternity leave, there are a few things you can do to make the blow of medical costs hurt a little less, says Colson.

“My advice is to be your own advocate,” she says. “If you’re planning to have a baby, start by understanding what your state provides in terms of paid leave to avoid surprises after delivery.”

To keep the cost of having your baby (if you’re planning to have one) transparent and free of surprises, Colson recommends:

• Asking your physician’s office for a detailed breakdown of insurance billing codes, including:
  • Office visits
  • Lab work
  • Epidural (and the anesthesiologist’s separate fee)
  • Hospital admissions
  • Specialist consultations during admission
  • Optional procedures like circumcision, if desired
• Email the insurance billing codes to your insurance provider, who can help calculate your out-of-pocket costs and deductible

“Having a baby is priceless,” Colson says. “By planning ahead – understanding your insurance options, healthcare costs, and available benefits – you can ensure peace of mind and focus on what truly matters: your growing family.”

Italian Hand Pies

Follow this exact recipe for a fully vegan Christmas appetizer, or choose your own adventure by making swaps for the plant-based picks. No matter how you make them, these savory hand pies will taste amazing for a pre-dinner snack.

Chocolate-Covered Cheese Bites

You'd never guess it, but certain kinds of chocolates and cheeses work well together, kind of like snack and wine pairings. This appetizer-ready recipe combines Parmigiano Reggiano and bitter dark chocolate for a mind-blowingly merry munchie.

Greek Stuffed Mushrooms

To make these bite-sized Christmas appetizers, you'll essentially stuff mushrooms full of the contents of Greek salad. That means this pick is super healthy, but also super customizable, too. If you'd rather stuff your mushrooms with melty cheese, there's nothing stopping you!

Sesame Shrimp Puffs

This savory, layered snack takes flavor inspiration from Asian dishes, which will totally make it a standout among the more traditional holiday dishes you're serving this season.

Butter Candles

If you make a butter candle as a Christmas appetizer, just know it's gonna be the talk of the table. When lit, it will not only generate some seriously melty butter to dip crusty bread in, but it will add to the cozy Christmas dinner ambience, burning warm light.

Bacon Pastry Twists with Beer Cheese Dip

All you have to say is "cheese dip," and your dinner guests will flock to the snack area. To complete the appetizer, make these easy bacon twists that are crafted with pre-made pastry dough. (via Brit + Co.)

Keto Cheese Ball

Keto or not, you'll be blown away by this cheese ball. It's covered in chives and bacon crumbles, the ultimate duo to pair with crunchy crackers.

Spinach Dip

Spinach dip is a no-fail Christmas appetizer. You can serve it hot or cold, and it's going to be delicious every single time.

Smoked Salmon Poke Bites

If you love sushi but don't want to eat a whole roll before Christmas dinner, this appetizer is the perfect pick for you. With smoked salmon, rice, avocado, and onions, everyone will want more of these delicious bites. They're super easy to customize too, so you can leave out (or add) whatever toppings you want.

Baked French Onion Meatballs

Meatballs are one of the greatest Christmas appetizers because they're bite-sized and delicious. We'd definitely consider that a win-win. This French-themed recipe features cremini mushrooms, garlic, and gruyere cheese for some seriously rich flavor.

Vegan Butter Board Recipe

Butter boards are one TikTok trend that we can totally get behind, and this updated version gives the dish a sweet (and healthy) twist with vegan butter and plenty of berries. Coconut flakes and almonds add some texture, but if your guests have allergies, simply leave them off!

Bacon-Wrapped Sweet Potatoes

This delicious Christmas appetizer is a great way to complement the all kinds of recipes that you'll be having throughout the holiday season. Since they take less than an hour to make, they're great as a pre-dinner snack while the ham is in the oven. They're easy, they're delicious, and they're Paleo!

Beet Hummus

Add some vibrant color to your holiday appetizer game with this superfood dip. Dress it up with festive veggies like rainbow carrots, watermelon radish, and golden beets. Talk about eye candy!

Sweet Potato + Feta + Honey Appetizer

This holiday appetizer provides a mouthwatering balance between sweet and salty that will definitely make its way to your table year after year. Spice it up with some extra seasoning or leave it as-is based on your preference. Either way, don't worry about setting out the Tupperware — you won't have any leftovers!

Vegan Baked Brie Recipe

Baked brie is one of our favorite Christmas appetizers, but if you usually can't take part in the creamy goodness, have no fear. This vegan recipe swaps regular cheese for a cashew-based alternative. You can use cashews to make a convincingly creamy dip, and the nutritional yeast in this pick gives it a cheesy flavor that's almost too good to be true.

Vegetable Pinwheels

You can make these cream cheese and veggie pinwheels with any filling you prefer, making it a dish that gives you a ton of variety at the snack table. They're so colorful, too! Try this Christmas appetizer with different types of wraps or try filling them with fruit for even more snackage.

Easy Cheesy Jalapeño Poppers

These flaky, cheesy, and spicy poppers are *the* go-to Christmas appetizer idea when you want big flavor, but are short on time. Use veggie cream cheese instead of regular to give this snack a fuller flavor.

Cranberry Brie Pastry Tarts

What's more festive than cranberries and brie? Bright, cheery, and just a bit sweet, this Christmas appetizer recipe is exactly what any party needs to get going. And they're simple to make, too!

Red Cooking Wine Caramelized Onion Baked Brie

Baked brie is not only a fan-favorite Christmas hors d'oeuvre, but it's quick to throw in the oven while you're working on your other appetizers. This recipe uses caramelized onions and a little bit of wine to bring out the flavors of the cheese. We love eating this cheese with crackers and fruit.

Vegan Smoked “Salmon” Cheese Rolls

If you love the elegance of sushi but don't want to leave fish out all night, this might be the best Christmas appetizer recipe for you. You'll never guess what the vegan salmon is made from. These are also a great way to make sure any vegan family members at the party aren't excluded.

Citrus Marinated Olives and Feta

For something tangy and savory to snack on, look no further than this recipe. Besides being full of tasty flavor, telling your family that you marinated your own olives will make for a toothsome conversation starter!

Need Menu Ideas? Steal These Christmas Finger Food Recipes.

Let's save the forks and knives for dinner! Finger foods are easy for both prep and clean up. All you need is a few small plates and napkins, and your friends and family can enjoy these holiday appetizers at their leisure. Finger foods are also great for kids because they're often bite-sized, but that doesn't mean that everyone can't enjoy them! From bacon-wrapped scallops to Chinese chicken egg rolls, don't be surprised if these Christmas appetizers leave your guests speechless.

Holiday Pomegranate Guacamole on Roasted Sweet Potato Toasts

What's red and green and sweet underneath? These festive Christmas party appetizers topped with pomegranate seeds and guacamole! With so many different consistencies and flavors coming together, this recipe really provides an appetizer experience like no other.

Mexican Shrimp Cocktail

Shrimp cocktail is always a hit — especially when you serve it in a fancy glass! These shrimp are served with a zesty cocktail sauce and to add that Mexican flair, they're topped with a refreshing tomato and avocado relish to make them a holiday appetizer recipe to remember.

Vegan Walnut, Sage, and Cranberry Stuffed Holiday Mushrooms

Mushrooms were meant to be stuffed — and when you pop one of these tasty and easy holiday appetizers into your mouth, you'll agree. The nutty, herbaceous, and slightly sweet filling creates a palate pleaser that will wow all your friends.

Charcuterie Wreath

The only thing we love more than a Christmas appetizer is a themed Christmas appetizer, and this charcuterie wreath is just perf! It's a cute (and festive) take on the usual cheese board. Use plenty of rosemary sprigs for some greenery and throw in a few chocolate pieces for good measure.

Bacon-Wrapped Scallops With Cajun Cream Sauce

The bacon-wrapped scallop is kicked up with a creamy and dreamy Cajun sauce. This is one recipe that's tasty enough to be made all year long!

Maple Rosemary Roasted Nuts

Warm, aromatic roasted nuts help you stay cozy when it's cold outside, and the maple and rosemary flavors in this holiday hors d'oeuvre work so nicely together. Not only do these make a tasty appetizer, but you can fill your go-to candy jar with them for a snack all holiday season long.

Chinese Chicken and Brussels Sprouts Egg Rolls + Sweet Chile Pomegranate Sauce

You've never seen egg rolls like this. The crispy egg rolls become swoon-worthy bites when mixed with the sweet, tart pomegranate dipping sauce. Since pomegranates are in season in wintertime, make sure to get a few to make some extra holiday recipes.

Crispy Caprese Meatballs Stuffed with Mozzarella

We understand that people share a deep love for crock pots full of Swedish meatballs, but these babies take the cake. Stuffed with gooey mozzarella, these meatballs will totally become a holiday tradition.

Try These Delicious Dip Ideas For Christmas Eve!

By the time Christmas Eve comes around, you've probably already made half a dozen appetizers for your office party, your friend's White Elephant gift exchange, and your family's Christmas dinner. If you're feeling burnt out on regular finger foods, go for a dip instead! Dips are a great way to make a customizable appetizer that everyone will be able to enjoy. Make some sweet and savory dips to give guests a few different options, and pair 'em with your favorite cracker, veggie, or even cookies. Chef's kiss!

Cheesy Artichoke Dip

A party just isn't a party without a melty dip! Get ready for a little extra indulgence with this ooey-gooey mixture that's packed with plump artichokes and topped with toasty breadcrumbs for an easy Christmas appetizer. Our mouths are watering!

Cranberry Pecan Cheese Ball

A pop of dried cranberries makes this holiday cheese ball a tart and savory Christmas-themed appetizer to make for your next holiday bash. It's an unconventional take on a cheese ball that uses your favorite traditional holiday ingredients.

Curry Hummus

Why have run-of-the-mill appetizers for a Christmas party when you can have curry hummus? This recipe is easy to follow, even if you've never made your own hummus before. We love to dip carrots and cucumbers, but the veggies you pick are totally up to you.

Bacon Wrapped Potatoes with Warm Apple Cream Cheese Dip

The apple cream cheese dip paired with these fluffy and crunchy potato bites will add a nice, sweet touch to your Christmas dinner table. It's safe to say that no one else will have an appetizer quite like this!

Cheesy Chicken Fritters

What's better than tender chicken, mozzarella that help prepare your taste buds for Christmas dinner? We highly suggest you cook this easy recipe.

Vegan Jalapeno Poppers

If you want something that's cheesy and gluten-free, try prepping these vegan jalapeño poppers for a spicy Christmas appetizer idea.

Hot Cheesy Spinach Dip

This tasty spinach dip is the icing on the cake for all the other holiday appetizers you'll be serving. Just ensure that you bake it to bubble perfection, that way your cheese pulls will be epic.

Southern Fried Green Tomatoes

Fried green tomatoes are a southern staple that 1000% deserve a seat at your Christmas table this year. The salty, crunchy outer contrasts beautifully with the tender inner veg, but the real magic lies within the dipping sauce you make to serve this app.

Olive Artichoke Crostini

If the idea of eating a finger sandwich doesn't sound fancy enough for your holiday soiree, this olive + artichoke crostini recipe is going to hit the spot. This Christmas appetizer is unbelievably easy too customize, too, so you can accomodate for the vegans and vegetarians in your life.

Bang Bang Chicken

This recipe is a take on Bonefish Grill's famous Bang Bang Shrimp – yum! What makes this holiday appetizer recipe extra-special is that it doesn't exclude those who may have a seafood allergy, using chicken instead.

Shrimp Cocktail

Should you have some seafood-lovers stopping by on Christmas, cater directly to them by whipping up this quick and easy shrimp cocktail recipe! Here's how to make it:

(via Clamato)

Ingredients:

• 1 lb shrimp, deveined and chopped
• 2 tsp fresh lemon juice
• ¼ cup extra virgin olive oil
• 3 tablespoons chopped fresh cilantro
• 1 teaspoon sugar
• ½ cup Clamato®
• 1 teaspoon hot sauce
• Salt and pepper to taste
• 1 Hass avocado, diced
• ½ mango, diced (optional)
• Cilantro for garnish

Directions:

1. In a bowl, add the lemon juice, olive oil, cilantro, sugar, Clamato, hot sauce, salt, and pepper.
2. Stir for a few seconds and set the salsa aside.
3. Add in the avocado, mango (if you like mango), and shrimp.
4. Put the shrimp in a schooner-type glass and pour salsa on top.
5. Garnish with cilantro and serve.