Tag Archives: money saving tips

4 Tips on How to Cut your Medical Expenses

There is no such thing as a free lunch. Moreover, there is no such thing as free medication. Some time or another, all of us will need medical treatment. Whether it would be for simple colds or for serious illnesses, these things would hurt us and burn our pockets.

According to a recent study, Americans spend more money on medical expenses than any other nationality in the world. As prices get higher and life gets harder, saving some money from your medical expenses will benefit you.

Here are some practical tips on how to cut your medical costs:

Mind Your Health

Prevention is always better than cure. Being fit and healthy seems to be a 21st century fad and it wouldn’t hurt us if we join in the bandwagon. An analysis of the 1987 National Medical Expenditures Survey revealed that people who are more active spend less on medical expenses than those who live lethargic lives. The analysis equated the benefit of being physically active to $330 (1987-dollar value) per person.

For smokers and drinkers, reducing cigarette and alcohol consumption is an option which you may find feasible. You will not only reduce future medical costs but also reduce direct costs from purchasing these products.

Go Generic

Taking generic drugs is the way to go. Patents are used by manufacturers to be able to set a price to recover their costs in developing their products. But these patents don’t last forever and sooner or later, generic versions of these drugs will be available. Generic drugs are basically the same as the branded ones in terms of ingredients and quality.

Going generic can save you a lot of money. According to the Association of Chain Drug Stores, the generic drugs are priced at $24 on the average in 2004, while the average price of the branded ones is $96 dollars.

Deal with your Doctor

Take time out to discuss things with your doctor, for this can also save you a lot of cash. Don’t be shy to ask him about the possible alternatives that you can take. Ask him if there is a generic drug that you can take if he prescribes you a branded drug. If you are going to have surgery, try to schedule wisely, to prevent overstaying in the hospital. And most importantly, do as you are told. If he asks you to quit your vice, quit it. If he tells you to be active, then you’d better be!

Medical expenses can really dig a hole in your pocket. Try to be wise in your medical transactions and more importantly, take care of your health.

Money Saving Tips – Tokyo Travel Guide

Tokyo is an awesome and crazy city. There are tons of things you can do such as eat all kinds of fantastic food, sing karaoke, party in the nightlife district, see amazing cherry blossoms, visit the morning fish market, go to the imperial palace and much, much more. It is one of those cities that you just have to visit at least once in your lifetime. Although it’s a fast-paced modern city, it still holds on to traditional roots. It is crowded but not chaotic. Traveling to Tokyo can be super expensive. However, this guide will give you tips on how to travel cheaply and have an impeccable experience. 

Top 5 Things to Do and See in Tokyo

Check Out Sensoji Temple

This temple is the oldest in Tokyo. It was built for two brothers who fished Kannon’s statue from Sumida River. Kannon was the goddess of mercy. It is said that, even after taking the statue back, it floated back to them occasionally. 

Admire the Tokyo Tower

The Tokyo Tower resembles the Eiffel Tower. It is, however, taller and is made purely of steel. To go to the top, you will have to pay 1600 JPY but you can get just as good a view for 900 JPY from the main observation deck.

Tsukiji Fish Market

This fish market is globally famous. The fish sold here is the sushi you see in restaurants all around the world. Tourists cannot participate in the tuna auction for now but you can visit once the auction is complete. Rise up and have sushi for breakfast.

Check Out the Imperial Palace

The residence of the Emperor of Japan is an exciting place. You will love it if you are interested in the current events and history of Japan. There is a beautiful garden and park surrounding it. Just like in the Buckingham Palace, there is a daily guard change. Admission is free but advance booking is required. 

Go to the Ueno Park

Go there and relax for a day. It is more interesting when trees are blossoming because a big festival is held at this time.

Typical Costs

Hostel Prices: you will pay around 2000 to 5000 JPY for a dorm bed per night. Most of them are clean but there are filthy ones as well. A capsule hotel is the best.

Budget hotel prices: you will pay about 7000 – 11000 JPY for a private room with breakfast.

Average cost of food: donburi stalls and ramen noodle shops are all over and range from 250 to 1240 JPY. A restaurant meal will cost you roughly 1850 JPY. 

Transportation: an all-day train ticket will cost you 750 JPY while a bus ticket is 500 JPY. You can get a combo ticket for 1600 JPY.

Money Saving Tips

  • Avoid taxis.
  • Shop at 100 Yen stores.
  • Eat at 7-Eleven.
  • Acquire a transportation pass.
  • Use sites such as Couchsurfing.
  • Work to stay in your room for free.
  • Sleep in a manga/internet café.
  • Make use of rideshares.

The 13 Best Hostels in Tokyo

Tokyo is a very expensive city.

But you can still get great affordable hostels. The hostels reflect Tokyo in cleanliness, charm and art. Many of them will have Wi-Fi and cooking facilities. Generally, you will pay between 2000 and 5000 JPY for a bed per night. 

There are hostels for all kinds of people—those that want a peaceful time and the party animals.

As you plan your trip, check out the following 13 hostels that are some of the best in Tokyo. 

Khaosan Tokyo Origami

Located in Asakusa, this hostel is only a few minutes’ walk from the Asakusa station and Senso-ji Temple. It is a clean facility with air-conditioning. You will enjoy comfy beds and spacious rooms. There are also privacy curtains. 

There is a common lounge with lots of free tea and coffee. The kitchen is available for use 24/7. 

Beds range from $29/3200 JPY and privates form $80/8800 JPY.

Sheena and Ippei

This hostel is small and is in downtown Tokyo just close to the Ikebukuro station. It features unique décor and is quite homey. There is a refrigerator and microwave but no kitchen.

Beds are from $37/4104 JPY and private from $138/15120 JPY.

Hostel Chapter Two Tokyo

It is near the Skytree station and is a family-run hostel. The dorms are well-equipped and modern. You will enjoy a beautiful view of Sumida River.

Beda are from $36/3900 JPY and privates from $84/9200.

Khaosan Tokyo Kabuki

Enjoy clean, comfy rooms with en-suit bathrooms. The hostel is a minute walk to Senso-ji gates.

Beds are from $25/2700 JPY and privates from $116/12750.

Hostel Bedgasm

It has a lively bar where you can meet fellow travelers. It offers a rooftop patio area and common kitchen.

Beds are from $32/3500 JPY and privates from $77/8500 JPY.

Kaisu Hostel

This hostel is a little expensive because it is fancier than other hostels.

Beds are from $39/4300 JPY.

Backpackers Hostel K’s House Tokyo

You will enjoy a beautiful, sunny common area. There is also a full kitchen.

Beds are from $26/2900 JPY and privates from $42/4600.

Unplan Kagurazaka 

This hostel is relatively new and is quite stylish and clean.

Beds are from $38/4200 JPY and privates are from $168/18500 JPY.

CITAN Hostel

There is a great kitchen and relaxed common area. It is in a peaceful neighborhood. 

Beds are from $27/3000 JPY and privates from $82/9000 JPY.

Space Hostel Tokyo

The best thing about this hostel is the rooftop lounge and comfy beds. It also offers a number of exciting events.

Beds are from $25/2700 JPY and privates from $120/13200 JPY.

Book and Bed Tokyo

This is both a hostel and a bookstore. It is peaceful and unique.

Beds are from $35/3800 JPY.

Hostel & Café East57

This hostel has so many beds and different kinds of rooms. You will get a laundry room and Wi-Fi too.

Beds are from $20/2200 JPY.

IRORI Hostel & Kitchen

This one offers lots of equipped kitchen spaces. 

Beds are from $27/3000 JPY.