3 Tips for Choosing Your Yearly Benefits

Aflac Time well Spent
Like most Americans once a year we have to choose our yearly benefits. For most of us, it’s a time we dread and push-off until the last-minute. Do you know most people spend more time researching their vacation plans, than planning for their yearly benefits?! Crazy, Right? So my question for you is – Do you take time to research your yearly benefits? If not,  I have 3 Tips for Choosing Your Yearly Benefits.

 Choosing our yearly benefit options for the open enrollment season is overwhelming to me. There is so much to retain and so much to discuss.  I have 3 tips that we use in our home to decide what’s best for our family and I want to share them with you.



It’s so important to know exactly what you’re getting, how much it costs, and really if it’s necessary for your family. I know it’s overwhelming to see a huge stack of paper, but it’s really important to read everything. If you don’t understand, go to a trusted friend or family member who has knowledge and can help you choose what’s best for you.


With anything, research is key. You need to know what exactly your coverage is, and where your money is going.

  • Don’t just look at premiums. Figure in other out-of-pocket costs you will face.
  • Watch out for benefit limits, including annual and lifetime maximum payouts.
  • Check deductibles. See if it’d even possible to hit that dollar amount.
  • Compare to last years policy and see where premiums, benefits, and deductibles were and how it all played out.

 My biggest piece of advice is, don’t think you are only tied down to what your company has to offer. If you’re not happy with those options,  it’s ok to look elsewhere.

 Check into other companies like Aflac to see what Supplemental Insurance has to offer. Aflac Incorporated is a Fortune 500 company providing individual and group voluntary insurance products that help deliver protection to more than 50 million people worldwide.

 It’s great that most companies offer health, life, dental, and more, but those policies don’t pay the bills when something unexpected happens and you have to be off of work for an extended period of time. Aflac’s  voluntary insurance policies, which are designed to supplement major medical plans, pay policyholders directly for unexpected costs associated with a covered serious illness, injury or loss. In addition, the cash benefits can be used to help pay rent, gas, groceries, child care or any other out-of-pocket expenses a worker may have. And they are enrolling now!

Aflac offers accident, dental, life, vision, cancer, hospital intensive care and more voluntary insurance policies.



Retain & Review

The last step is to review and retain all the information. This is a time where as a family, we discuss our questions and concerns before we hit submit.

Ask your employer to arrange meetings with health care insurance agents or brokers to answer questions.

Attend on-site seminars, as well as take part in webinars to read the relevant education materials.

Choosing out yearly benefits is so important. Employees pay an average of $4,565 a year in premiums for an employer-sponsored health plan, which helps protect their health and financial well-being, yet the 15 minutes devoted to benefits selections, pales in comparison to time spent researching popular consumer purchases. The key here is, to take the time to research, know what you’re getting for your money, and know exactly what your benefits are. Take the time to make an informed decision.

I was selected for this opportunity as a member of Clever Girls Collective and the content and opinions expressed here are all my own.

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How to Refresh your Bedroom Decor


how to simply refresh your bedroom decorI don’t know about you, but I get tired of looking at the same old room decor. My husband and I are constantly making changes to our home decor because we get bored easily. Night after night I crawl into the bed thinking it’s time for a room refresh. I love to keep my room bright, happy and colorful! It puts me in a good mood and awakens at my creativity. Today, I’m sharing How to Refresh your Bedroom Decor.

Purchasing new bedding is a great way to refresh your space. In this bedroom refresh it was important to bring some bright colors back into the room. Before out room was feeling dull and drab. Our walls are gray so we can really use just about any color scheme. I chose this Rise and Shine Bed in a Bag  from the  new 9 by Novogratz Collection from Walmart.

9 by Novograt Rise and Shine Mint bed in a bag

9 by novogratz pillow

9 by novogratz

9 by novogtratz bed in a bag queen

This particular Bed in a Bag comes with a fitted sheet, flat sheet set, with two matching pillowcases, two pillow shams, a comforter, and a throw pillow. I’m picky when is comes to sheets. I’m usually a high thread count Egyptian cotton kids of girl. However, I was pleasantly surprised with the quality of these sheets. They stay cool and are incredibly soft and comfortable. The comforter is heavy quality, is soft and I love that it’s colorful with two sides! My husband was even impressed. The first thing he said was, “Oh, these sheets are soft!” Y’all, that’s saying A LOT – he is a man of very few words!

9 by novogratz for walmart

HGTV’s “Home by Novogratz” couple Robert and Courtney Novogratz created a vibrantly colored collection of home products for Walmart. This collection features fun shower curtains, bright duvet’s and  gorgeous bed in a bag sets. And they offer modern, stunning, affordable furniture, too.  Don’t wait to check it out. This collection is selling out fast. Head over to Walmart.com to see for yourself.

9 by Novogratz Walmart Collection

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Suave Family Selfie Sweepstakes

This is a sponsored post with Global Influence. All opinions are 100% my own.

Fall is quickly approaching were finding our time outside is quickly coming to a close. Spending quality time as a family is so important. We love living beautifully by taking photo’s to remember what a great summer we had!

Today, I’m excited to share The Suave Family Selfie sweepstakes with you!

Wal-Mart will draw 6 winners every single week (until 10/21/2014) to win a $175 Wal-Mart gift card.  That’s a pretty fabulous amount of money, and entering is super simple:

Step 1: Take a family selfie (or use a recent one!)

Step 2: Post it on Instagram using the 3 hashtags: #suavefamilyselfie #LB2LB #Walmart

Step 3: Fill out this form and submit your Instagram link.

*To get your Instagram link visit instagram.com, log in, and find the link to your photo. It will be in the format of http://instagram.com/p/YOURPHOTOID.

*To retrieve the link from your Instagram mobile app, go to your profile picture on the app, click the “…” in the bottom right hand corner, and then select “Copy Share URL”.

Enter the sweepstakes weekly to increase your chance of winning. Each week 6 new winners will be drawn to receive a $175 Walmart prize pack. Once you have submitted your image here you will receive a coupon via email for $1 off Suave at Walmart.

Image 1

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Two New Fresh Thyme Stores Opening in Indianapolis

Fresh Thyme Indianapolis Grand Opening

If you live in Indianapolis area the you know getting farmer’s market type foods is hard to come by. As a mom who thinks it’s important to feed her family whole, clean, locally grown foods. I’m super excited to announce that  Fresh Thyme in opening not one, but TWO new stores in the Indianapolis area on Thursday, September 25 at 7:00 am!!

The stores are located at

4225 East 82nd Street
Indianapolis, IN 46250

2342 W. 86th Street
Indianapolis, IN 46260

Each new store will host its own grand opening magnificent celebration with doors opening at 7 a.m. Fresh Thyme Farmers Market reusable shopping bags packed with healthy, organic groceries and produce valued at $50 will be handed out to the first 250 shoppers through the doors at each store. Throughout the day attendees will be treated to live entertainment, face-painting, food sampling and other activities geared toward the whole family.

But the celebration doesn’t stop there! I’m so excited to announce my friends over at Fresh Thyme were so generous to offer one lucky Glamorously Mommy reader a $25 gift card to check out their store and do some shopping on them!! Find out how to enter below!

a Rafflecopter giveaway

Here’s what Fresh Thyme has to say about their brand.

At Fresh Thyme Farmers Markets we believe you shouldn’t have to give away the farm to feed your body nutritious food. We’re on a mission to improve the way our communities eat by offering fresh and healthy food at amazing values -all in a vibrant and fun shopping environment, with smiling friendly faces.

 The foundation of healthy eating is often based on incorporating more fresh fruits and vegetables in our diets. Therefore, at the core of our offerings is an abundant produce department, overflowing with fruits and vegetables, fresh from the farm, often locally grown and much of it organic. We’re so passionate about produce that we’ve made it the nucleus of the store, ensuring the bounty of fruits and vegetables is visible from all other departments.

I am thrilled to have a Fresh Thyme store so conveniently located near my home. I can’t wait to shop their fresh, natural, organic, locally grown products at a value price.  And as a mom who like to stick to a budget, I love that Fresh Thyme offers a weekly saving ad with some amazing values.

I hope to head out Thursday, September 25 at 7am to take a peak at one of the new locations and be one of the first 250 people in line (I know I will be).  You can learn more by visiting freshthyme.com, and be sure to keep in touch by liking us on Facebook and following us on Twitter.


This is a sponsored collaboration between Fresh Thyme and GlamorouslyMommy, like always all thoughts and opinions are ALWAYS my own.

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