6 Ways to Start the New Year Off Financially Strong

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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.”

7 Times You Should Never Send A Venmo Request

1. You don't always have to Venmo request someone for their coffee. Gasp!

I can't believe we're living in the land of $9 lattes, so I totally understand not being able to cover the tab every single time you meet a friend at a coffee shop. But if you haven't seen a friend in a long time, or, dare I say, you know they're struggling (whether it be emotionally or financially), cover the bill y'all! And if someone has opened their home to you? A coffee is the perfect thank you.

2. Don't ask to be paid back for small, generous favors.

Getting into the weeds of every little penny will turn any enjoyable activity into a nightmare. "I had a college friend who would Venmo request every person in the car for gas money when we would drive to the grocery store," one anonymous Brit + Co reader says. "Like girl, don’t offer to drive 15 minutes then."

A Reddit user also points out that asking to be paid back for a cheap favor can come off as rude. "$10 is less than 1 hour minimum wage," they says. "$30 maybe. $50 absolutely. If this became a habit, then sure. But you don't see each other regularly."

3. Don't send a Venmo request if you're helping someone who's sick.

If you've offered to help out a sick friend who can barely get out of bed, it's probably not appropriate to charge them for things like medicine, water bottles, and soup.

4. Definitely don't ask for money if you offered to cover the cost in the first place.

When I went to a movie and a friend offered to cover my soda? So kind! When they texted me the next day to ask I send them money? I was a little taken aback. I didn't mind paying for my own drink, of course, but I would have also appreciated some clearer communication...

5. Maybe don't send a Venmo charge if your friend is being generous in other areas.

I have to admit that I never realized how expensive it is to host friends. Well, one Reddit user explains that when they hosted some friends, and offered them food, one guest ended up sending a charge to cover just a couple of dollars.

"This is after I hosted her and was very generous with my time, home, and food," they say. "Charging me for crappy cheap grocery store muffins and a soda just feels like a slap in my face."

6. Do NOT send a Venmo request just to be passive aggressive.

Just like the idea that "it's only weird if you make it weird," relationships can get messy if you let them. Case in point: money situations aren't the time to be passive aggressive.

"I once quit my job at the college coffee shop to help open a local cafe and my former boss at the college...made me feel so bad for taking the new job, like I was betraying everyone," says photographer Brittany Melissa. "He randomly sent me a Venmo request charging me $1 for emotional stress. I cried. I ended up paying it and told him it upset me and then he sent a Venmo paying me $1.50 'for causing you emotional distress.'"

7. And you shouldn't send a Venmo request if you're just avoiding confrontation.

Friendship really is all about communication, and when you find yourself splitting a bill, make it clearer for everyone and actually discuss who's paying what.

"I’ve had friends in the past Venmo request me for food or for when we go out rather than messaging me & I feel like as a friend & someone I know & when dealing with money, it’s kinder to ask for the money rather than Venmo requesting," Brit + Co reader AspenGrace Ricks says. "When requesting on Venmo, it feels like there is more of an obligation to do it."

3 Times Venmo Requests Are Totally Appropriate

1. It's okay to send a Venmo request when you have communal living needs.

If you live with friends, there's no way to avoid the fact you'll be using some of the same products (unless you buy two of everything). My roommate and I go back and forth on things like toilet paper and paper towels, but when it comes to items like the folding table we just ordered for Thanksgiving — yeah girl, send that Venmo request.

2. Feel free to send a request if you're running their errands.

Listen, as someone who's in a very happy relationship with my Instacart, I understand not having time to grocery shop. But (unless you find yourself in the aforementioned "small, generous favors" situation) if you're already at the store and a friend asked you to pick up a few things just because they're short on time, I think it's totally okay to ask for them to chip in.

But if you want to give them the favor out of the kindness of your heart and cover the cost? It'll make their day!

3. Going on a roadtrip means splitting roadtrip travel essentials.

I know the internet can have some differing opinions on what "essentials" mean, but I'm talking, like, the cost of a rental car. If your friend group is splitting the ride, then everyone should absolutely split the cost. And if you ask me, the same goes for gas money!

4. Send a Venmo request if your bill had to be on one credit card.

We've probably all been there: your 6-person bill arrives to the table (where you were all very respectful and kind to your waiter RIGHT?!) and no one wants to pick up the tab. If you end up swooping in to save the day, and you've all agreed to pay your own way, take a picture of the receipt and send those Venmo requests. Dinner ain't cheap!

Christmas Appetizer Ideas

Bacon Pastry Twists with Beer Cheese

While cradling a cocktail in one hand, an easy-to-grab appetizer is essential. These flaky, cheesy bacon twists are both easy and delicious to dunk in a three-cheese beer dip. (via Brit + Co)

Sun-Dried Tomato Pesto Bites

A red and green holiday treat without sugary sprinkles? Count us in. These phyllo shells are filled with whipped pesto cream cheese and topped with basil and sun-dried tomatoes for some yummy Christmas food. (via Well Plated by Erin)

Cranberry Goat Cheese Balls

These cranberry goat cheese balls are the perfect balance of salty and sweet — a definite crowd-pleaser for any Christmas dinner! (via Chef Genevieve)

Holiday Crostini Trio

Spread avocado, mascarpone, and provolone onto toasted baguette slices for a tasty appetizer, and top away for three versatile holiday food ideas that will please any palate at your holiday party. (via The Baking Fairy)

Honey Almond Baked Brie

Add this this gooey, sweet, and salty baked brie to your Christmas dinner menu and guests will gather around it like it's a fireplace on a cold day. (via The Seasoned Mom)

Christmas Food Ideas For Side Dishes

Sesame Shrimp Pastry Puffs

The seafood lover in your home will be elated to munch on these sweet and umami-rich (thanks to the oyster sauce) sesame shrimps blanketed in buttery puff pastry. You'll definitely want to add this dish to your best Christmas recipes list! (via Brit + Co)

Cheesy Sweet Potato Gratin

This savory combination of sage, gruyère cheese, and heavy cream is here to make sweet potato casserole even more indulgent. This is definitely one of our favorite Christmas dinner ideas. (via Brit + Co)

Healthy Butternut Squash Salad

Fill your guests' bellies with the seasonal flavors of butternut squash, apple cider, and pecans. The bacon is just the icing on the cake, so to speak. (via Sarah Anderson for Brit + Co)

Romanesco Christmas Trees with Parmesan "Snow"

Turn Romanesco broccolis into snow-capped trees with just six ingredients in this healthy yet cheesy dish for your next party. (via Brit + Co)

Slow Cooker French Onion Soup

Nothing will warm you to your toes quite like a good soup, and whipping one up in the slow cooker can save you time, mess, and energy. This French onion creation is a perennial favorite. (via Brit + Co)

Waffle Iron Latkes

These latkes make the perfect addition to any celebration, and the best part is how easy they are! From an apple butter topping to pomegranate and Greek yogurt, there's something for everyone. (via Brit + Co)

Cornmeal Biscuits with Cheddar, Chives, and Jalapeños

These slightly spicy biscuits are ideal for soaking up all that gravy goodness. (via Brit + Co)

Taco Salad

Okay, you might be thinking, "why in the world would someone serve taco salad at Christmas?" But hear us out – this recipe is full of delicious veggies, and it's just brimming with color. Keep things red and green to stay festive, or go all-out with every color of the rainbow. (via The Girl on Bloor for Brit + Co)

Crispy Leaf Potatoes with Rosemary Butter

If ever there were a bulletproof case for buying a mandoline, it's these potatoes, which are sliced chip-thin, layered upright in a baking dish, and gloriously bathed in salty rosemary butter. (via Rasa Malaysia)

Cozy Pumpkin Curry

If you're looking for vegan Christmas recipes, look no further than this warming, insanely delicious, and seasonal pumpkin curry. Just leave out the fish sauce to make it fully plant-based! (via Sarah Anderson for Brit + Co)

5-Ingredient Christmas Salad

A complicated salad is the last thing you need to worry about when picking out Christmas dinner recipes. This palate-cleansing dish is simply butter lettuce, pomegranate seeds, and a white wine vinaigrette. (via My Kitchen Love)

Main Dish Ideas For A Christmas Feast

If you're tasked with cooking the bird this holiday season, look no further than this foolproof roast turkey recipe. (via Brit + Co)

Beef Short Ribs with Vegetables

Make a statement with a delicious short rib recipe that's cozy, filling, and features an unbelievable wine sauce. Everyone will be talking about it until next Christmas. (via Baldacci Family Vineyards for Brit + Co)

Cranberry Glazed Turkey

Make your turkey extra-special with a delicious cranberry-pomegranate glaze everyone is sure to adore. (via Sarah Anderson for Brit + Co)

Roasted Chicken with Carrots

For a Christmas dinner or otherwise, every home cook needs a roast chicken recipe in their back pocket. Start with this step-by-step recipe, which shows you how to stuff, truss, roast, and baste the bird until juicy and golden brown. (via Simply Recipes)

Prosciutto-Wrapped Pork Loin with Apple and Rice Stuffing

This dish combines a classic holiday side with a crowd-pleasing main, and it's wrapped in prosciutto for a show-stopping finish. (via Host The Toast)

Creamy Tortellini Vegetable Soup

Pasta doesn't get enough credit when it comes to holiday recipes, but nothing's cozier than a delicious bowl of warm tortellini. Except tortellini soup, that is! (via Half Baked Harvest for Brit + Co)

Roast Beef Tenderloin with Mushrooms and White Wine Cream Sauce

This melt-in-your-mouth holiday meal is cooked in one pan in under an hour. Sauté mushrooms in an oven-safe skillet, put the beef on top, roast, rest, and make a cheesy, herby cream sauce with the pan drippings. (via Half Baked Harvest)

Turkey Roulade with Apple Cranberry Stuffing

This dish is all about texture, from the crispy bacon coat to the tender turkey in the middle and soft stuffing interior. This is one Christmas dinner recipe you won't want to miss out on. (via Boulder Locavore)

Delicious Christmas Dessert Ideas

Keto Eggnog

Got guests who are committed to the low-carb lifestyle? This keto eggnog is the perfect dessert to serve the carb-conscious. (via Annelies Zijderveld for Brit + Co)

Peppermint Bark

This easy peppermint bark recipe is so simple to make, you'll have plenty of time on your hands for more ambitious endeavors — like cooking the turkey. (via Jessica Smith Wall for Brit + Co)

Holiday Puppy Chow

Your go-to sweet treat gets a festive upgrade when you add in red and green candy! Bonus points if you have a red or green bowl to put it in. (via Brit + Co)

Jacques Torres' Chocolate Chip Cookies

No surprise here: the secret to Torres' high-quality chocolate chip cookies is high quality ingredients, like butter, flour, and chocolate. Letting the dough age for 24 hours and sprinkling it with sea salt at the end doesn't hurt, either. (via Jacques Torres for Brit + Co)

3-Ingredient Peanut Butter Cookies

When it's your first year hostessing, the simpler you can keep your Christmas dinner recipes, the better. That's why we're huge fans of these 3-ingredient vegan Christmas cookies. (via From Eat Your Feelings by Lindsey Smith for Brit + Co)

Baked Hot Chocolate Donuts

Donuts are an all-purpose treat that can serve as Christmas breakfast, brunch, or dessert. This baked hot chocolate-inspired version doesn't require any special tools to make and is uber delicious. (via Half Baked Harvest for Brit + Co)

Dulce de Leche Cream-Filled Churro Donuts

These six-ingredient donuts, made with biscuit dough, have a cinnamon-y exterior and a rich dulce de leche filling that pairs wonderfully with Mexican hot chocolate. (via Brit + Co)

Eggnog French Toast

Another recipe you can serve as a Christmas dinner or brunch is this sweet French toast. The secret to nailing that 'nog flavor is the nutmeg and vanilla combo. Yum. (via St Pierre Bakery for Brit + Co)

Easy Vegan Slow Cooker Hot Cocoa

Give your oven and your plates a break and add this dairy-free hot chocolate to your easy Christmas dinner menu, or enjoy with Christmas waffles! Add all ingredients to the slow cooker, and let the gadget do the rest for you. (via Justina Huddleston for Brit + Co)

Champagne Ice Cream

This egg-free, celebration-worthy holiday dinner idea gets its creaminess from cream cheese and, better yet, its booziness from sparkling wine. (via Brit + Co)

Cinnamon Roll Pecan Pie

We call this pie holiday crack for a reason (or two): the pie crust is made of mini cinnamon rolls and the pecan filling is buttery on the verge of illegal, which definitely makes it one of our favorite holiday dishes. (via Brit + Co)

Easy Spiced Hot Fruit Bake

Hear that? That's a scoop of ice cream begging to top this sweet tray of apple, pear, cranberry, pineapple, and gluten-free dessert. (via Cotter Crunch)