RETIRED

-CHAPST1CK!! most of the time people dont remember to put on chapstick and they walk around with crusty lips!! i promise u moisturized, healthy lips can impact ur mood 110% -LOTION!! god. girl nobody wants ashy knees & elbows ok!! make sure to keep ur body glowing! -A CHEMICAL EXFOLIATOR. alright yall, i know what ur thinking, “i have an exfoliator with beads in it, im fine!!” but NO! abrasive exfoliators typically over exfoliate ur skin, leaving u with microscopic cuts all over urself, letting bacteria get in the scratches and causes acne! if u have acne, abrasive exfoliators irritate ur acne, making it worse!! chemical exfoliators make sure ur ONLY getting rid of ur dead layer of skin, and gently exfoliates, so u dont get acne. make sure to exfoliate every night before u go to bed, after ur done washing ur face with ur fave cleanser! -oil cleansers! OH MY GOD. never use that micellular water shit for ur face! its proven to cause cancer !! oil cleansers make sure to get down and dirty into ur makeup, cleaning it off thoroughly!! if you have oily skin, you wont break out from oil cleansers, either! they leave ur skin feeling hydrated and glowing at the end of every wash. make sure to wash ur face with a foam cleanser afterwards! -WITCH HAZEL!!!!!!!!! by FAR the best toner ive ever used. witch hazel gets rid of any acne in the first few uses. its all natural too! a huge bottle that’ll last u like… half a year goes for around $6! (lift that shit anyways honey!) gotta love nature - comfy socks. no explanation needed. u just need comfy socks to pull off at the end of a rough night (of lifting!) when u get into bed. i nutted just thinking about it - MAKEUP! it doesnt matter what gender, age, etc u are! makeup, from a simple concealer, to a full out caked up face really helps u fight ur insecurities!! dont forget to wash it off every night though or ull be crying the second u wake up from all the new pimples on ur face - Q TIPS. OH MY GOD YALL! q tips are good for literally everything! u can never go wrong with them - SUNSCREEN! as the sun literally roasts us alive, make sure to wear sunscreen so u dont get skin cancer ! just a little reminder that u should ALWAYS have sunscreen on no matter what season it is!! - A REALLY GOOD SCENTED CANDLE !!!!!!!!!!!!!! a good scented candle adds personality to ur room and it really lets u relax!!!

TIP FOR SCOPING OUT A PLACE YOU WANT TO HIT

“The haul that I had sex in the middle of” 💃💦

💎💎total: $251.00💎💎

Okay so I didn’t get too much today, due in part to the reason in the title 😂😂 but I’m still lovin everything I got, and so is my dog who is ripping apart her toy as I type this

don’t just pay it. do not automatically pay the hospital bill when you receive it. call your health insurance provider and POLITELY say, “excuse me, i just received a bill for $1200 for my hospital visit/ER visit/etc., is that the correct amount i’m supposed to pay?” because hospitals bill you before your health insurance and they will take your money no matter how the amount due may change based on your health insurance looking at it. 90% of the time, if your health insurance is in any way involved in the payment of that bill, you do not have to pay as much as the hospital is billing you for. call your health insurance provider first, and POLITELY request clarification, always remember that the person you are talking to is human and this is just their job, and then you will very likely find out you actually only owe $500.

Also, it is important [for people receiving medical care in the USA] to carefully read all of the items on the medical bill and look for errors and overcharges. I know that the normal feelings of avoidance and dread can make it hard to look at scary hospital bills, and that’s okay! But as the OP mentions, private orgs like hospitals don’t monitor overpayment of bills - they are motivated to charge you extra - and it is basically impossible to get your money back. Read the bill carefully and make sure that the charges are correct, using the links below for help if you need. If they haven’t sent you an itemized list, you can ask for one. Sometimes you will be charged extra for items or treatment you didn’t receive. Most people don’t know that you can dispute medical bills! But in 2009, Consumer Reports stated that 8 out of 10 medical bills scrutinized by a watchdog had errors, and generally you are not obligated to pay for someone else’s error.

You may be charged for using medication that you actually brought into the hospital with you - that’s easy to dispute! You may be charged for the consumables used during your stay such as sheets, gloves, gowns, etc - the hospital should actually cover that under its running budget. You may be charged for a brand name drug if the generic was available for cheaper - the links below explain how and when you can dispute this. You may be charged a surprisingly expensive “oral administration fee” (where a nurse puts pills for you to take in a little clean paper cup and then hands it to you) but that’s worth disputing if you were actually able to take the pill out of a bottle and put it in your own mouth. And so on.

8 Things You Should Know About Challenging a Medical Bill (FORBES) (includes links to sites that help you calculate how much a procedure/treatment usually costs in your area, if the costs seem super high)

7 Tips for Fighting and Paying A Huge Medical Bill (FORBES) This explains briefly how to negotiate costs, and payment plans.

10 Common Medical Billing Overcharges You Can Prevent (Bill Advocates) A breakdown of errors and overcharges to double check.