A Flexible Spending Account (FSA) can help you save money on health care costs. You can set aside up to $5,000 in pre-tax dollars to pay for your annual medical expenses not covered by your company’s health insurance plan.

There’s one hitch, which is called the “use-it-or-lose it” rule: once you agree to contribute a certain dollar amount for the year, you have to use up that amount by the end of the year, or else forfeit the remaining funds to your employer. If you’re worried about finding yourself with a big balance at year’s end, there’s good news. There are literally hundreds of legitimate and useful ways to use up that surplus. They include: over-the-counter drugs, eye surgery, eyeglasses and contact lenses, acupuncture, dental treatment -- even stop-smoking and some weight loss programs. Click here to see the list in full. http://www.irs.gov/publications/p502/index.html

---

"It takes no more time to see the good side of life than it takes to see the bad."
Jimmy Buffett