12 Creative Ways to Spend Your FSA Money Before the Deadline

stockfour/iStock via Getty Images
stockfour/iStock via Getty Images

If you have a Flexible Spending Account (FSA), chances are, time is running out for you to use that cash. Depending on your employer’s rules, if you don’t spend your FSA money by the end of the grace period, you potentially lose some of it. Lost cash is never a good thing.

For those unfamiliar, an FSA is an employer-sponsored spending account. You deposit pre-tax dollars into the account, and you can spend that money on a number of health care expenses. It’s kind of like a Health Savings Account (HSA), but with a few big differences—namely, your HSA funds roll over from year to year, so there’s no deadline to spend it all. With an FSA, though, most of your funds expire at the end of the year. Bummer.

The good news is: The law allows employers to roll $500 over into the new year and also offer a grace period of up to two and a half months to use that cash (March 15). Depending on your employer, you might not even have that long, though. The deadline is fast approaching for many account holders, so if you have to use your FSA money soon, here are a handful of creative ways to spend it.

1. Buy some new shades.

Head to the optometrist, get an eye prescription, then use your FSA funds to buy some new specs or shades. Contact lenses and solution are also covered.

You can also buy reading glasses with your FSA money, and you don’t even need a prescription.

2. Try acupuncture.

Scientists are divided on the efficacy of acupuncture, but some studies show it’s useful for treating chronic pain, arthritis, and even depression. If you’ve been curious about the treatment, now's a good time to try it: Your FSA money will cover acupuncture sessions in some cases. You can even buy an acupressure mat without a prescription.

If you’d rather go to a chiropractor, your FSA funds cover those visits, too.

3. Stock up on staples.

If you’re running low on standard over-the-counter meds, good news: Most of them are FSA-eligible. This includes headache medicine, pain relievers, antacids, heartburn meds, and anything else your heart (or other parts of your body) desires.

There’s one big caveat, though: Most of these require a prescription in order to be eligible, so you may have to make an appointment with your doctor first. The FSA store tells you which over-the-counter items require a prescription.

4. Treat your feet.

Give your feet a break with a pair of massaging gel shoe inserts. They’re FSA-eligible, along with a few other foot care products, including arch braces, toe cushions, and callus trimmers.

In some cases, foot massagers or circulators may be covered, too. For example, here’s one that’s available via the FSA store, no prescription necessary.

5. Get clear skin.

Yep—acne treatments, toner, and other skin care products are all eligible for FSA spending. Again, most of these require a prescription for reimbursement, but don’t let that deter you. Your doctor is familiar with the rules and you shouldn’t have trouble getting a prescription. And, as WageWorks points out, your prescription also lasts for a year. Check the rules of your FSA plan to see if you need a separate prescription for each item, or if you can include multiple products or drug categories on a single prescription.

While we’re on the topic of faces, lip balm is another great way to spend your FSA funds—and you don’t need a prescription for that. There’s also no prescription necessary for this vibrating face massager.

6. Fill your medicine cabinet.

If your medicine cabinet is getting bare, or you don’t have one to begin with, stock it with a handful of FSA-eligible items. Here are some items that don’t require a prescription:

You can also stock up on first aid kits. You don’t need a prescription to buy those, and many of them come with pain relievers and other medicine.

7. Make sure you’re covered in the bedroom.

Condoms are FSA-eligible, and so are pregnancy tests, monitors, and fertility kits. Female contraceptives are also covered when you have a prescription.

8. Prepare for your upcoming vacation.

If you have a vacation planned this year, use your FSA money to stock up on trip essentials. For example:

9. Get a better night’s sleep.

If you have trouble sleeping, sleep aids are eligible, though you’ll need a prescription. If you want to try a sleep mask, many of them are eligible without a prescription. For example, there’s this relaxing sleep mask and this thermal eye mask.

For those nights you’re sleeping off a cold or flu, a vaporizer can make a big difference, and those are eligible, too (no prescription required). Bed warmers like this one are often covered, too.

Your FSA funds likely cover more than you realize, so if you have to use them up by the deadline, get creative. This list should help you get started, and many drugstores will tell you which items are FSA-eligible when you shop online.

10. Go to the dentist.

While basics like toothpaste and cosmetic procedures like whitening treatments aren’t FSA eligible, most of the expenses you incur at your dentist’s office are. That includes co-pays and deductibles as well as fees for cleanings, x-rays, fillings, and even the cost of braces. There are also some products you can buy over-the-counter without ever visiting the dentist. Some mouthguards that prevent you from grinding your teeth at night are eligible, as are cleaning solutions for retainers and dentures.

11. Try some new gadgets.

If you still have some extra cash to burn, it’s a great time to try some expensive high-tech devices that you’ve been curious about but might not otherwise want to splurge on. The list includes light therapy treatments for acne, vibrating nausea relief bands, electrical stimulation devices for chronic pain, cloud-connected stethoscopes, and smart thermometers.

12. Head to Amazon.

There are plenty of FSA-eligible items available on Amazon, including items for foot health, cold and allergy medication, eye care, and first-aid kits. Find out more details on how to spend your FSA money on Amazon here.

Mental Floss has affiliate relationships with certain retailers and may receive a small percentage of any sale. But we choose all products independently and only get commission on items you buy and don't return, so we're only happy if you're happy. Thanks for helping us pay the bills!

Eco-Friendly, Reusable Deodorant Containers Are Good for the Earth and Your Pits

Myro
Myro

A fair amount of plastic goes into keeping your armpits smelling fresh. Few of us recycle our empty deodorant tube after swiping on that last layer, after all. In many cases, it’s not even clear if you can, though there are a few special recycling programs that make it possible. But one company aims to make it easier to both smell clean and keep the planet clean.

Myro deodorant comes in refillable, reusable packaging, as Design Milk reports. The essential-oil-based deodorant comes in pods that you can pop into colorful reusable canisters. Created by the award-winning industrial designers at the New York studio Visibility, the fashionable containers are also made with 50 percent less plastic than most drugstore deodorant sticks, according to the company.

The deodorant sticks aren’t fundamentally different than something you might pick up at the drug store, even if they would look more at home on the shelves at Urban Outfitters or Anthropologie than CVS. You use a dial at the bottom of the tube to advance the deodorant stick, and when you reach the end of the deodorant, the pod that held the formula pops out. You can then refill it with one of Myro’s replacement pods. If your container needs a deep clean, you can stick it in the top rack of your dishwasher.

A red-orange deodorant canister next to a Myro refill pod
Myro

The deodorant itself doesn’t use the standard aluminum or baking powder formula, instead employing an antimicrobial agent made from sugar to reduce smells and barley powder to absorb moisture.

Myro deodorant comes in five different scents that you can mix and match with five different packaging colors. There’s Solar Flare, a mix of orange, juniper, and sunflower; Big Dipper, a blend of bergamot, lavender, and vetiver; Cabin No. 5, which smells like vetiver, patchouli, and geranium; Pillow Talk, made with violet leaf, ylang ylang, wild amyris; and Chill Wave, a blend of cucumber, jasmine, and spearmint.

One Myro deodorant, including the refillable container, costs $10 and can either be bought one at a time or through a subscription that ships refills every three, four, or six months. The refills can also be purchased one at a time. Customers that subscribe will receive free shipping, while one-time purchases will include a $5 shipping fee. You can pause your subscription or switch scents at any time.

Check it out here.

[h/t Design Milk]

Mental Floss has affiliate relationships with certain retailers and may receive a small percentage of any sale. But we choose all products independently and only get commission on items you buy and don't return, so we're only happy if you're happy. Thanks for helping us pay the bills!

5 Trouble-Shooting Tips to Keep Your Houseplant Alive

iStock
iStock

Maybe you’ve heard that houseplants can help improve indoor air quality. Perhaps you’ve read that looking at plants can help you focus. Or maybe you just really like how that ficus looks in your living room. But buying a plant and keeping it alive are two different things, and the answer to your botanical woes isn’t always “don't forget to water it.” Here are five green-thumb tips to make sure your plant stays as leafy green as it was the day you bought it.

1. Don't overwater your houseplant.

You don’t want to neglect your plant, but it’s easy to go overboard with the watering can, and that can be just as harmful as forgetting to water your plant for weeks. A watering schedule can help you keep track of whether or not your plants need attention, but you shouldn’t water just because it’s Sunday and that’s when you usually do it. Before you go to water your plant baby, make sure it actually needs it.

Your plant’s water needs will vary based on the type of plant, its location, how old it is, and plenty of other factors, but there are a few rules of thumb that can put you on the right track. Lift the pot. If it’s heavy, that means that the soil is full of water. If it’s light, it’s dry. Dig a finger into the soil around its roots, making sure to feel beneath the surface. Still damp? Hold off. Dry? Grab the H2O.

If you really struggle to strike the right balance between too much and too little water, consider a smart plant system. And regardless of how often you water, make sure to use a pot with good drainage to prevent root rot.

2. Watch the temperature of the room your houseplant is in.

Be aware of where your plant is situated in the room, and whether there might be any temperature extremes there. Is your fern sitting right above the radiator? Is your peony subject to a cold draft? Is your rosemary plant stuck leaning against a window during a snowstorm?

As a rule, most houseplants can handle temperatures between 58°F and 86°F, according to a bulletin from the University of Georgia. The ideal range is between 70°F and 80°F during the day, and between 65°F and 70°F at night. Below 50°F, sensitive plants can suffer damage to their leaves. However, as with most plant advice, it depends on the species—tropical plants usually do well in higher temperatures, and some other plants are happier in colder rooms.

If your sad-looking plant is sitting in the middle of a cold draft or right next to the heater, consider moving it to a different spot, or at least a few inches away. If it’s near the window, you can also draft-proof the window.

3. Maintain humidity for your houseplant.

Be mindful of the kind of ecosystem that your plant comes from, and know that keeping it happy means more than just finding the right amount of sun. A tropical plant like an orchid won’t thrive in dry desert air. According to the Biology Department at Kenyon College in Ohio, a dried-out plant will look faded and wilting. You can immerse it in water to help it bounce back quickly. (Warning, though: A plant that’s getting too much moisture can look that way, too.)

If your home gets dry—say, when you have the heater on full blast in the winter or the AC on constantly during the summer—you’ll need to find a way to keep your plant refreshed. Your can buy a humidifier, or create a humidity tray by placing the pot on a tray of pebbles soaked in water. The plant will soak up the humidity as the water under the pebbles evaporates. You can also get a spray bottle and mist your tropical plants periodically with water. (But don't mist your fuzzy-leafed plants.)

Not sure how humid your house is? You can get a humidity gauge (known as a hydrometer) for less than $10 on Amazon.

4. Look out for bugs on your house plant.

Even if you do all of the above correctly, you can still struggle to keep a plant healthy due to infestations. Keep an eye out for common pests like spider mites, which will leave brown or yellow spots on leaves or make the plant’s color dull. If you discover these tiny mites (you may need to use a magnifying glass), wash your plant immediately with water to knock off as many mites as possible. Wash the plant with an insecticidal soap, too, but make sure the label says it’s effective for mites.

5. Repot your houseplant.

Healthy plants often outgrow their homes. if you notice that there are roots coming out the drainage holes at the bottom of your pot, or that water sits on the surface of the soil for a long time before draining down, or that your plant’s roots are coming up out of the soil, it’s time to upgrade to a bigger pot. Signs of a “root bound” plant whose root system is too big for its container can also include wilting, yellowed leaves, and stunted plant growth.

No matter what the size of your plant, it’s good to repot it once in a while, since the nutrients in the soil deplete over time. Repotting creates a fresh nutritional start and can help perk up unhappy plants.

If your plant looks unhealthy and you're still stumped, try consulting the website of a university horticulture department for other signs of plant distress and potential solutions.

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