Dealing With The Financial Implications Of Accidents And Illness

If you’re fit and healthy, you may assume that this will be the case for many years to come. Sadly, life doesn’t always take the path we expect, and it’s never wise to take your health for granted. If you fall ill suddenly or you’re involved in an accident, which results in life-changing injuries, you may find that you face financial problems, as well as emotional difficulties related to coming to terms with your prognosis. If you’re worried about the financial impact of poor health, this guide will help you cope.


Image source:


Review your financial status

Before you can make plans and start figuring out your next move, it’s a good idea to review your current financial status. Take a look at your balances and accounts and work out how much money you’ve got available. If you have savings accounts, for example, this can provide a nest-egg to cover bills and household payments if you have to take time off work or think about changing job due to your injuries. If you’re used to manual labor, for example, an injury could force you into a change of career. Once you’ve got figures in front of you, you can determine whether you need to move money and work out the best ways to use any contingency funds you have.


Invest in insurance

If your health status has changed, you’ll need to revise your insurance policy to make sure that any further treatment you require is covered. Contact your current provider and look at other options online. If you’re looking for policies that cover long-term disability, search for providers with a good track record for making payments and approving claims. If you submit a claim you expect to be approved, and it’s rejected, you may be able to appeal against the decision. You can see more online if you need help or information about delayed or unsuccessful claims. The cost of your insurance policy is likely to increase if you have health issues, and this is why shopping around for the best deal is so important.


Learn about your entitlements

If you’ve been forced to look for a new job, you’ve taken sick leave or you’re unable to work full stop due to ill health, it’s essential to be aware of your rights and entitlements. Check your employment contract and get in touch with the relevant authorities to see if you could access benefits that would help towards the cost of living without a steady income. You can find information online or set up an informal meeting with an advisor. It’s important to understand what kind of help is available to you and to take advantage of schemes that are designed to benefit those struggling with illness.


Illness doesn’t just affect your physical health and mental wellbeing. It can also have a dramatic impact on your financial situation. Many people who have health conditions or serious injuries worry about how they’re going to pay the bills and keep a roof over their heads. If you’re anxious about your financial situation, follow these steps, and hopefully, you’ll gain clarity, comfort, and confidence.


Send Down the Rain By Charles Martin {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.


Allie is still recovering from the loss of her family’s beloved waterfront restaurant on Florida’s Gulf Coast when she loses her second husband to a terrifying highway accident. Devastated and losing hope, she shudders to contemplate the future—until a cherished person from her past returns.

Joseph has been adrift for many years, wounded in both body and spirit and unable to come to terms with the trauma of his Vietnam War experiences. Just as he resolves to abandon his search for peace and live alone at a remote cabin in the Carolina mountains, he discovers a mother and her two small children lost in the forest. A man of character and strength, he instinctively steps in to help them get back to their home in Florida. There he will return to his own hometown—and witness the accident that launches a bittersweet reunion with his childhood sweetheart, Allie.

When Joseph offers to help Allie rebuild her restaurant, it seems the flame may reignite—until a 45-year-old secret from the past begins to emerge, threatening to destroy all hope for their second chance at love.

In Send Down the Rain, Charles Martin proves himself to be a storyteller of great wisdom and compassion who bears witness to the dreams we cherish, the struggles we face, and the courage we must summon when life seems to threaten what we hold most dear.

My Thoughts!

This was my first read by Charles Martin, but it did not disappoint! It’s a steady paced read that is full of emotion and great characters.  I found it hard to put down once I started reading. Martin brings you to the edge of your seat and sucks you right into the story.  I found myself invested into the story, the characters, and the entire journey from the beginning. It was an emotional read that is powerful and offers a strong message of strength. Grab a box  of tissues, You’re going to need it!

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.


I review for BookLook Bloggers

Honeysuckle Dreams By Denise Hunter {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.


After Brady Collins’ ex-wife dies, he receives devastating news—his nine-month-old son Sam isn’t his son at all. And Sam’s wealthy maternal grandparents want custody of the child. Brady knows he’s in for the fight of his life. But regardless of what any blood test says, Sam is his son, and Brady will go to any lengths to keep him.

Brady’s attorney tips him off that one major life change would virtually assure him of winning guardianship of baby Sam at the final hearing: an impending marriage. And his friend Hope is willing to step in as the loving and devoted fiance.

Local radio celebrity Hope Daniels has been driven by a solitary goal her entire life, and after a happy accident she’s finally offered her dream job. But if the truth comes out about her arrangement with Brady, she may miss the chance of a lifetime and stand in the way of a dear friend’s dreams.

As Brady and Hope make sacrifices to help each other in their times of need, they risk uncovering a truth neither of them expects to find.

My Thoughts!

I fell in love with Denise Hunter last year. She’s an amazing author that brings her stories to life and pulls her readers into the story. This read was no different! It was packed with emotion, great characters that are relatable and fun,  a great story line, and tons of unexpected twists and turns. It’s well written and easy to follow.

Brady is swoon worthy and is totally right out of every girl’s dreams. He’s the perfect man in every way! Hope is a great woman and is perfect for Brady. Their love story is magical and cheer worthy.  This book is the second book in the Blue Ridge Romance series, but it stands well on its own.

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.

I review for BookLook Bloggers

After a Car Accident: Your Road to Recovery

Many people become anxious when talking about driving after suffering a car accident. If you have been involved in a road traffic accident, you might be facing extreme trauma. To get your life back on track and do everything you used to when you had a car, you will have to plan ahead and focus on several aspects of recovery, so you can start with a clear slate. Below you’ll find a few tips on how to start your journey.

Image via Public Domain Pictures


Many people need rehabilitation after a car accident. Whether you suffered injuries or have been temporarily disabled, you will have to restore the order, and make sure that you recover as soon as possible. You need to get healthy and mobile again, so you will be happy and able to deal with all the issues you are facing after the accident.

Legal Representation

In case you need a legal representation to avoid driving convictions or get a compensation if the accident was not your fault, it is important that you talk to a professional specializing in road traffic collisions. Without the right attorney, you will not be able to defend yourself when the case goes to court, and end up getting blamed for the accident, even if it wasn’t entirely your fault.


Mental health issues are common among people who suffered a serious road accident. It is important to fully understand your risk taking behavior and overcome the feeling of guilt. You can analyze your driving skills and decide to make different decisions in the future. No matter if you are suffering from anxiety or self-blame, it is a good idea to talk to a mental health professional who can help you deal with the past and look ahead.

Financial Recovery

You will, obviously, not be able to get back behind the wheel before your car is fixed or replaced. Get in touch with your insurance company and negotiate the settlement. If you had a financial agreement on the car, you will have to calculate the settlement and work out which solutions you can afford. You will not want to take out more credit than necessary, and might have to settle for a cheaper or smaller car temporarily.

Getting Back Behind the Wheel

Image via Flickr


Once you are ready to get back to driving, it is crucial that you work on reducing the cost of your motoring. If your insurance company has suddenly increased your premium due to the accident or your driving conviction, you might want to search for alternative companies. Click here today to find out more about high risk auto insurance. You will also have to work out how much your new finance and other motoring expenses will cost you each month.


Many people panic after a road accident. You need your car to get around and get back to your normal life, so focus on your recovery mentally, physically, and financially. Seek legal representation to make sure that you are not taking the blame for other people’s reckless driving.


Business Owners’ Guide to Personal Injuries

When running your own business, dealing with an injury can be challenging. You will not get sick pay, and you have to make sure that your operations don’t suffer. Thanks to the development of cloud technology, however, you can overcome the challenges and keep your company running even while you focus on your recovery. Below you will find a few tips on dealing with personal injuries as a business owner.

Image via Rex Pickar


Don’t Panic

The first thing you have to do is look at the situation as an outsider. We try to over dramatize things, even if the solution is right in front of us. Panicking will not help. Ask your doctor questions whether or not you will be able to work from home, or do you need to make adjustments to your daily routine. Chances are that you can still keep your business running and meet deadlines, but if not, make sure you get in touch with your customers and clients.


You can outsource some of the lower level jobs, so you can focus on your recovery and the core tasks in your business. When you have millions of things to do in your company, you have to learn to prioritize. What are the things only you can do, and what can you outsource? If you will not be able to maintain your blog for a few weeks, you can get a freelancer to do this for you under close supervision.


When you have employees, you have to make sure that they are ready to take on a challenge and jump in when needed. Delegating your tasks is something you should do every time, not only when you are sick. Train your employees regularly on different tasks, so they can prove themselves useful in case you cannot meet your commitments.

Work Remotely

Image via rawpixel


Whether you are running an online store or a company that deals with clients directly, you can use cloud computing to work remotely and collaborate with your team members. Set up an account on one of the business suites and assign, review, edit documents, provide feedback, or have video meetings using a conferencing software. If you cannot be present in the office all the time, you can still keep in touch with your workers, motivate and manage them from home.

Have a Plan B

When you are injured, it is important that you prioritize your health over other tasks. If you cannot recover fully, you will never be able to return to business. You might give your orders to another company or outsource all your operation while you are recovering. You will have loads of things you have to deal with, such as finding an attorney with extensive experience for your personal injury, arranging rehabilitation, and attending medical appointments.


Whether you have been injured on the road or at the fitness center, it is important that you consider your health as a priority. Reduce your workload through outsourcing and delegating, and give yourself allowances while recovering.


Kids Free Summer Reading Programs!

There are a LOT of great programs that your children can take advantage of to earn FREE books, prizes, and cash!

Need some kids book recommendations? Check out this Kids Summer Reading Book List for lots of great ideas for the best books for kids to read this summer, including books for all ages and all reading levels.

Kids Summer Reading Programs

Junie B Jones Reading Club – Sign up and get a FREE starter Kit that includes a copy of Junie B Jones and the Stupid Smelly Bus, Activity sheets and a membership ID card while supplies last.

Book Adventure – Sylvan offers this FREE reading incentive program. Basically your child reads books and then takes a simple comprehension quiz to make sure they understood what they read. The quiz is usually about 10 questions long. They earn points based on how much they remember from reading the book.

There are hundreds of books to choose from in all reading levels. These are common books that can be found at your local library. Once they have earned enough points they can trade them in for some really neat prizes!

Showcase Cinemas Bookworm Wednesdays – Your child can earn a FREE movie ticket from National Amusements Theaters when they read a book and complete a book report.

Barnes & Noble Imagination Destination – This summer reading program through Barnes & Noble gives your child the ability to earn a FREE book after reading 8 books and keeping track of them in a reading log.

Local Public Library – Don’t forget to check out your local libraries to find out which programs they’ll be offering this summer. My kids have participated in several Summer reading Programs through the library and it always includes FREE books & prizes.

TD Bank Summer Reading Program – Read and keep track of 10 books this summer and your child will get $10 added to their Young Saver Account FREE!

Chuck E. Cheese – Earn FREE tokens every time your child reads. Just print out the bookmarks which are each worth 5 FREE tokens and bring it in to claim your free tokens.

Scholastic Summer Reading Challenge – Log in your reading minutes to the Scholastic site and your child will be able to participate in a World Record challenge as well as earn digital prizes!

Six Flags Read to Succeed K-6 students who complete six hours of non-school-related reading approved by their parents and teachers are eligible for free admission to their nearest theme park.

Programs like these are a great way to encourage our children to continue reading throughout the summer months. If you know of any other programs that aren’t listed here, please feel free to leave the information in a comment below.

A huge thanks to savingdollarsandsense for compiling this list!

Stepping Outside Of My Comfort Zone + Beyond The Sun Giveaway & Contest!

My daughter was born with adventure in her heart. She loves the outdoors and is willing to try almost anything. She has a curious nature that comes so natural to her, but is nowhere to be found within me. I would much rather prefer to cuddle up on the couch with a good book, whereas she takes her books outdoors.  I’d rather sleep in a comfortable bed with super soft pillows, whereas she grabs a sleeping bag and gets comfy in nature. It’s funny to feel  so close to someone, but then feel like you’re total opposites. That’s us.  We’re total opposites, but I admire that about us because she pushes the limits and makes me step outside the box.

It’s been her dream to camp for as long as I can remember. She’s begged and pleaded. I’ve always been 100% against it though. Sure, I’ll set up a tent in the fenced in back yard for you. You know, where you’ll be safe and a walk away from the warmth and comfort that our home has to offer. But out in the wild with nature- yeah, that’s not quite my thing.

I finally gave in though. I let her talk me into doing the unthinkable. I went camping! It was worse than I feared it would be. The lack of sleep, the lack of variety in foods, the warmth of the sun blistering my pale skin, the bugs, the sounds, the lack of hot showers, the lack of… home.  It was much worse than I had imagined, but it was also much better than I imagined.  I went hiking- without the fear of bugs or rashes from only God knows what plant.  I went  canoeing- something I never in a million years thought I’d do. I  cooked food in foil packets  and sat around a fire as the moon lit the dark sky without any fear of unknown sounds or what could have been lurking in the dark. I learned to give up all control and just be. Anyone that knows me, knows that that is totally 100% NOT in my nature! I learned to stop and see what was around me without preparing in advance. I learned to let go and let my faith guide me on a journey I was over packed and under prepared for.

It’s a night I’ll never forget and I know my daughter won’t either. She helped push boundaries and set expectations. She taught me to be in the moment. I learned to enjoy life that night- life through the eyes of my daughter.



A heartwarming family film is releasing this week.  Distributed by AMBI Distribution, BEYOND THE SUN, is a modern day tale of hope, faith and courage based on stories from the Bible. This delightful family movie chronicles the adventures of four young friends in search of God.

The film features a very rare special appearance by Pope Francis.  In support of the film, AMBI Media Group is holding a special contest where one lucky winner will win an Exclusive Private Tour of the Vatican and Front Row Tickets to an Audience with The Pope For Four! 

For anyone who has ever wanted to visit Italy and The Vatican, this is your chance!  For additional details about the contest and to enter, please go to:


BEYOND THE SUN will be available for purchase across multiple platforms including iTunes, Amazon, and TUGG on May 15th.



1 lucky winner will win a $50 Amazon gift card! Comment below with your favorite childhood adventure for your chance to win! Winner will be drawn on May 21, 2018.

Don’t Let Dental Bills Put You In Debt

Image Source


A trip to the dentist’s can be expensive, but it doesn’t have to be. There are lots of tricks for making dental care more affordable – here are just a few measures to consider.


Ask for a discount


Most dental clinics will offer discounts if you ask. Many people don’t try to negotiate, but it could help you to make treatment slightly more affordable. Even if the clinic can’t knock off any money from the price, they may be able to offer the opportunity to pay in instalments over a long period so that you don’t have to pay it in one big hit and have time to earn and save up.


Get interest-free financing


There are some medical loan companies out there that offer interest-free finance that extends to dental treatment. You may only have to start paying interest if you miss a payment. One such company is CareCredit which offers a 0% APR credit card to go towards all dental costs. Make sure to read the small print as you may have to spend a certain amount of money on these cards per year to keep the zero interest rate.


Get insured


One of the most convenient ways of paying for dental costs is to take out dental insurance. By paying a small monthly fee, you could get all your future treatment paid for you. This could be specific coverage such as dental implant insurance or a scheme that covers all dental costs for all the family. It’s worth shopping around to find the best scheme for you and your budget.


Try your local dental school


It’s possible that there may be a dental school in your area that can do cheap treatment. Trainee dentists often need real people to practice on for routine treatments and charge very little for it (some may even do it for free). Treatment may take longer as a teacher may have to supervise the whole thing and instruct the trainee what to do. You’re still going to have professionals around you so the chances of anything going wrong are slim, however some people may still be put off by the idea.


Seek out treatment options early


The moment you suspect you may have a problem, you should visit the dentist immediately to get it checked up – you don’t have to get it treated there and then, but it’s worth knowing your options. A toothache that is caught early could be easily cured with a dose of antibiotics. However, leave it to persist and the infection causing the ache could spread resulting in more elaborate treatment, which is likely to be both less comfortable and more expensive. Get a diagnosis for a toothache early may also give you more time to shop around for treatment.


Injured? Here’s How You Can Stay Financially Afloat

It’s not always easy to stay financially afloat even at the best of times, but it becomes even more difficult if we find ourselves unable to work. Alas, this does happen from time to time. If we’re ill or injured, we might find ourselves having to spend more time than we’d like recovering in our home, and that means we’ll be getting less money than usual, or perhaps not at all. As such, if you find yourself in this position, then you’ll want to ensure you get your finances in order as soon as possible. Here’s how you do it.




Cut that Spending


If money isn’t coming in as fast as you’d like it to do, then you’ll want to make sure that there’s not a lot of outgoings. The good news is that you’re injured (it might not feel like it, but in this case, it is good news); that means you’re unlikely to be spending money on going out to restaurants, concerts, and so on. You can add to those cuts by looking at what other unnecessary expenditures you have each month. Soon, you might find that you don’t need all that much money to live a comfortable life.


See About Payment Restructuring


Of course, you’re not going to be able to cut every expense. There are going to be some bills that you need to pay each month, because you’re already locked into the contract, or they’re imperative to your quality of life. But you do still have an option. Have a talk with the companies to whom you owe the money, and see if you can restructure your payment plan. It might be better to reduce your monthly outgoing now, while you don’t have much cash to spare and pay off the bill over a longer period.


What Are You Entitled To?


You’re not necessarily going to have to do everything all on your own. There may be resources that you can call upon. To begin with, talk with your employers and ask about their policy regarding getting paid while unable to work. If you were injured while at work, then talk with an injury law firm such as Steffens Law Office, P.C., and see if you have a case for claiming compensation related to your injury. There are plenty of systems in place to help you navigate your injury-related financial issues; make sure you’re making the most of them.


Working From Home


You might not be able to travel to work and sit at your desk for eight hours a day, but that doesn’t mean that you need to forget about work altogether. With telecommuting an increasingly popular employment method, it may be that your employer is happy for you to do your work – and get paid – from the comfort of your own home. If not, take a look at the many work-from-home opportunities; you might just find a way to make long-term money, which you can continue to do even after you’ve returned to work.


Swagbucks: Get 300 bonus SB when you sign up for Swagbucks in May

Disclosure of Material Connection:
Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

All throughout May you can earn large bonuses when sign up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Starbucks, or PayPal cash.

When you sign up through me this month, you can earn a 300 SB bonus! Here’s how:

1. Sign up using this link

2. Earn 300 SB total before June 1st, 2018. You’ll get a 300 SB bonus for it!

3. That’s it. It’s super easy!


New To Swagbucks?

If you haven’t heard of Swagbucks, it’s a site that rewards you for online activities that you’re already doing. You collect points then redeem those points for gift cards to places like Amazon, PayPal, Starbucks, Walmart, Target, and more! Swagbucks is totally legit. I use it myself on a daily basis to earn money that I save up for Christmas, birthdays and date nights!