Category Archives: Money Saving Tips

How To Save Money This Black Friday 2019!! ALL NEW Black Friday Hacks & Tips Plus A GIVEAWAY!!

**How To Save Money This Black Friday 2019!! ALL NEW Black Friday Hacks & Tips Plus A GIVEAWAY!!**



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I’m back with another money saving video for you today to show you how you can save loads of money this Black Friday 2019 with these shopping hacks.

Giveaway now closed.

Thank you to my friends at Quidco who have sponsored this part of the video to give away a spa day for you and a friend/partner/loved one to a spa near you! It’s free and easy to enter, all you need to do is click the link and follow 3 simple steps to enter. I honestly can’t recommend the Cashback reminder tool enough, you can download that here –
Chrome extension landing page:

Download the app for mobile cashback here –
App store for iOS

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I have said it before and I will say it again, only buy what you can afford for Black Friday and what you need! Black Friday has a lot of great sales as does Cyber Monday, but so does Boxing Day, New Years Day and the Bank Holidays – Black Friday is great but don’t panic if you don’t get what you wanted, the sales will come back around. Definitely don’t get into debt over Black Friday!
I hope you like these money saving tips and more Black Friday hacks for 2019, I am doing a no buy year but I wanted to share with you all the money saving tips if you’re trying to save money in 2019 and want all the best tips for doing so!

If you’d like more budgeting, money saving hacks and info on how I have done a no buy year in 2019 you can watch more videos on it here –

Thanks so much for watching, come and find me on Instagram if you want to see my outfits of the day and more of what I get up to. www.instagram.com/larajoannajarvis

Thanks so much for supporting me and being a part of this amazing community, it would mean the world to me if you would like to subscribe to see more from me, I appreciate every single one of you!

Lots of love, Lara x

NB : The links above could be affiliate links, which means if I have inspired you to make a purchase and you choose to buy something through one of these links, I may receive a small commission on the sale, as a way of thanks! It makes no difference to you as a buyer at all but I may receive a small compensation from the brand via rewardStyle or Amazon.
hey guys welcome back to my channel I'm gonna be back with another money second video for you today I have done a Black Friday hacks video in the past but I thought I would research it come at you with more amazing tips and hacks and just some amazing ways to save money you guys know I love to save money and I love to bring you guys the best budgeting and the money-saving tips advice so today I'm going to be doing black Freddie hacks but I'm also going to be doing a giveaway because I feel like you guys are such a loyal supportive network these days with my budgeting content I really love how we help each other out get involved in the comments I just think you guys deserve a little something so keep on watching to the end it's gonna be a biggie I think you're gonna love it don't forget to watch right till the end so you can hear what the giveaway is but let's just get with a hack shall we that's what you came for let's get going so these are things that are gonna be online first we're gonna hit the online and then the second half of this video is gonna be in-store shopping hat it's obvious I know because I've said it before but you guys need to be told again you've got a plan you've got a prep and you got a budget you can't be doing this on a whim guys Black Friday it's not the blade you need to be preparing yourself for what you want to buy when you need to buy it if it's gonna be something like a lecture cause you want to be buying it first off in the day because they other things are gonna save the most money on if it's things like a new coat you want to be making sure that you get the size that you want you've got to be prepared so make your list budget and don't go past that budget because it's not worth it marketing may lead you to believe this is gonna be the best sale you will ever see in your entire life I can use for you there's gonna be other sales guys just buy what you can afford and what you need my next tip is don't panic you can be in a bit of a whirlwind when it comes to Black Friday sales but don't panic if you don't get it on Black Friday you may well be able to get it on Cyber Monday this sales will continue and if you don't get it then there's a high percentage chance that there's gonna be a boxing day sale let me tell you so don't panic don't stray from your list and just go in with an organized mind my tip number three is the day before or maybe the week before all go into the online store and having a look of what you want put it into your basket but don't check out and then two things are gonna happen either one the brand will get in touch with you the next day to say hey you've got things in your cart that you didn't die do you want a discount on that or two if they don't do that on Black Friday you can go in and you know exactly where those items are they will be stored in your recently searched for and you're not gonna have to find them all over again just making it so much more streamline and quicker to get through to the checkout okay my next tip I think it might be five them before but we're gonna go with it let's say five it's just set up the quid Co cash back reminder tool you guys know I've been speaking about quid Co for so long and they are actually sponsoring at this video with the giveaway at the end so don't forget to keep on watching for that giveaway all you need to be doing is downloading the cashback reminder tool which by the way is like a no-brainer I have had so many messages from people saying things like they have earned four thousand pounds mind-blown just by using quid Co I've had people say they've two and a half thousand pounds 500 pounds it's not a scam I cannot tell you enough that this is legit and it is a money earning tool so if you're not using the cashback reminder tool then you are insane frankly because all it is is a quick Chrome extension I showed it in my last video I can show you the link here how to get it onto your browser and then every time you're searching for something rather than having to remember brain engage remember to use a cash back website it's all done for you it's there it's gonna tell you every single shop where it has a cash back offer and how much you can get and also additional money-saving advice do not be a cotton-headed ninny-muggins get the cash out reminder too and make sure you are making the most money every time you buy something online okay my next tip is – if you cannot afford to get Prime get it for the 30 day trial around now it's going to give you free delivery for every item that you're buying on Amazon and it's just gonna mean that you can cancel it afterwards if you can't continue but you're gonna get all of your Christmas shopping I don't love your Black Friday shopping delivered for free my friend okay so the online stores are going to be discounts things before in store so get in the mood for shopping the night before let me tell you you could actually get these deals the night before Black Friday if you're not too busy celebrating Thanksgiving we in the UK don't actually have Thanksgiving so that's fine I can log on at 11 o'clock at night and get ready to get the deals ok my next tip is to set up a doddle account and this will mean that all of your deliveries all of your many Black Friday presents that you're buying for Christmas within your budget can be delivered to a location close to you without having to stay in for work or miss the deliveries every time they come if you have ordered 5 things and then you have to wait in for them to be delivered you don't when it's gonna be let's just make it a doddle and go and collect it from a store nearby and it will be so much easier for you and for your delivery guy do you have to keep missing you when you've popped out or gone to work ok I did mention this in my last video and I'm trying to make sure these tips and hacks are all brand new for you but some of them are too good not to re say so this one is all about going into your Instagram favorite accounts and signing up for the newsletter this means that they are going to be emailing you with their discounts before you will see them online so give you the chance to get organized and get buying before everybody else also it gives you an idea of what they sell and how they styled it and things like that so if you're looking for fashion pieces obviously I'm not because I'm doing a no buy year it will mean the you are making sure you've got your eye on the pieces that you want before they hit the sales okay my next tip is let's not just focus on Christmas guys you may have a list of Christmas things that you're wanting to get for friends and family that is great good planning tip number one but also think ahead think of sunglasses for the summer think of things that you may need later on in the year next year but actually you're on sale now and actually probably heavier discounted because they are obviously on sale from the summer and with Black Friday discount ok guys we are about to move onto the in-store hacks and tips for Black Friday don't forget if you like the video definitely like and if you're new around here why don't I just ask you just to subscribe because I would love to have you here for all the budgeting homemaking and wanderlust content that you could ever ask for ok number one tip for in-store is get your gift receipts and make sure that they can be returned our to Christmas because if you are buying something in Black Friday sale and you're giving it at Christmas it may well only have a 30 day refund policy so make sure you're getting that and obviously get the gift receipt so they can't tell exactly how much money you saved on it my next tip and it is quite a good one for asking and being brave guys you can do this it's money-saving you need to do this if the if you've bought something recently and then suddenly it's on a Black Friday sale they may well be feeling nice and they may well honor that discount and give you either the money in a voucher to spend on their website fair enough or they may actually give you the refund itself okay we've got to be organized here guys you've got to work out your route the next tip is to plan around the shops where you gonna go first get your electricals first that's gonna be saving you the most money and then work your way around the store and know where those things are and also then store to store so if you're going to the Curry's or PC world places like that does that still exist I think it does go to those first and then maybe hit the town shops go to the department stores where the prices are highest the discounts are gonna be higher as well just plan your route and make sure you are sticking to it so that you're saving the most amount of time the next tip if don't go with a non shopper let me tell you I would not take my husband with me on the Black Friday sales if I were shopping for myself oh honey he's gonna hold me back go with someone that's a good shopper or go alone I mean I prefer shopping on my own when it's stuff like this because I just get it done if you are going with someone the next tip is to go to the shop and one of you can cute while one of you shops because the queues they're gonna be around the bend around the corner of the shop queue you can queue up and your friend can go and shop and then vice versa you go shop while your friend goes and queues for you my next tip and it's a bit of a sneaky one guys the shops are not going to tell you what's going to go into sale they're not going to tell you how much you're gonna be saving go in or maybe the Wednesday the Tuesday maybe the Thursday and go and put the pieces that you want that big coat that's gonna be expensive and ask them to hold it for you and say I haven't been paid yet can I come back in a couple of days and get them to hold it for you and then when you go back BAM you're gonna get the discount baby okay my next tip for in-store shopping is go in and try on those items before the madness of Black Friday because let me tell you you don't want to be going into those changing rooms on Black Friday because it will be absolutely eaten nuts go in and try these things on make sure you've got your size you want make sure you like it how it fits so you're not buying things I'm having to return them afterwards okay next thing guys you will need a little bit of a breakthrough here I think there's coffee shops I'm going to look into this but I'm pretty sure where you can actually order the things and collect it so you don't have to waste time queueing in that Starbucks queue because let me tell you who that will be like half an hour long I'm sure with everyone doing the same thing if you get the app it will be ready for you without having to queue tada that's a time-saving hack for you there guys and also if you can maybe one of you is queueing for the coffee the other one run the bags back to the car because they're going to be weighing you down and it's gonna be stopping you from getting in those clothes rails if you're looking for clothes and it's just gonna be weighing you down so take the time out go back to the car and put your bags in there keep them in the boots here people can't see them and just start back refreshed after a coffee and good to go again okay come out to the last cup of tips now get in early they sometimes even do giveaways for the first people through the door but also you're just gonna be there before hopefully the madness of too many crowds arrives so get in early and get your shopping done and then he can be home by lunchtime and you know you have a bit of a relaxed I just noticed the lights going a little bit crazy in here guys so so sorry about that if you're feeling like it's suddenly really bright which is about to happen right now don't forget your bags guys don't forget to get your bags before you go in because you're gonna have to be paying five pence if you're in the UK for every bag you buy get some eco reusable bags that you can take with you keep them in your car so if you are just tempted to go shopping at some point you already already have them there with you and you don't have to buy them again okay my final tip before we start the giveaway information is to dress comfortably I said this last year but you need to be dressed in comfortably don't wear a big coat you're gonna get too hot it's gonna be too crazy as it is you don't need to be hot and they overheating as well and also we're sort of leggings so that you can just chuck things on over the top so you don't need to be changing in the changing rooms you can just chuck it on we're a lightweight top as well and it's gonna stop you from having to queue up and wait around but obviously you would have already tried on your things if you followed one of the other tips but that's just another tip for you and of course if you're at home then dress comfy like loungewear on a coffee in hand you're gonna be comfortable for me I don't really have a shop in the shops well obviously I don't this year anyway but for Black Friday I always do it online because is just how much less stressful okay guys if you've stuck around well done because I'm gonna be treating you so if you're anything like me it's been a long old year it's been like quite a tough year doing this no bye and if you have been doing that as well I want to reward you and if you are just needing a bit of a winter tree I also want to reward you so what it's gonna be is a spa day treat for you and a friend or a partner or your mom or your dad whoever you want to take with you it's up to you and all you have to do is enter the free giveaway I'll leave a link in the description it's easy to enter you literally have to do three things so one of them which I'm sure you would have done anyway because let's be honest it's like my number one tip for making money and save you money is get the cash back reminder tool it's free to use it's literally clicking a button it's so easy and then everything is there for you when you're shopping to remind you to get your cash back and activate it and that's literally the click of one button so that's one thing the next thing is to get the app on your phone which makes internet browsing on your phone make sure you're getting the cash back there is again just an app from the Play Store or from the Apple Store and you literally click it and you can shop there and then it takes you via the cash back site to make sure you're getting your cash back and also the third thing to enter is to share it with your friends because let's be honest guys you should be sharing this with your friends they need to be getting these discounts and this extra money as well I'm not lying when I say someone told me they had earned over 4000 pounds just by going via a cash back site it's a no-brainer go into the description there's a link in there for the gleam giveaway and it is three simple things free to enter and you will be given a lovely spa day treat for you and a loved one courtesy of my lovely friends at quid Co whoo I'm so thankful too because honestly I've been shouting about critical for years and now it's great to actually work with them and be able to give you nice treats like this so thank you to them for giving that away to you guys and thank you to you for watching I hope this video was fun and informative and you've got some tips let me know in the comments if you've got any additional ones just get involved in the conversation I love you guys you are so engaged in this content and this week is gonna be money-saving week last week I did all my gift guides if you miss them I'll link them down in the description affordable eat sustainable gifts I've got one more gift coming which is eco actual products because the last one was like non-physical ideas so experiences over things so this week is all about money-saving and then next week guys is all about finding the best of everything in the supermarket so I'm going to be taste testing price testing make sure it's on budget making sure you get value for money things like mince pies because puddings turkeys everything like that so let me know if you want me to do it for any particular supermarkets or any particular foods and I can include it in those videos anyway I'm gonna get going cuz this video is so long oh my gosh thanks for watching I'll see you so saying bye if you are beady-eyed which most of you are let me tell you they mapped people that try and catch me out on my Instagram which is Loredana Jarvis they're like is that jumper new I'm like no you will have maybe seen this gorgeous necklace which was actually in my Christmas wish list after a year of doing a no-buy look at it guys in a woman's glory oh it's actually super long well let me tell you my beautiful schoolma'am besties saw my video and gave me her old one which was the one that I was saying that I really loved and I kept asking her where it was from and she was like I don't wear anymore and I want to give it to you so that you can enjoy it how nice is that so obviously and it's my birthday so she said it's my birthday present and I just think that's lovely and that's what I love about no buy because people are like into it as well and then it means that you know you're helping each other out so if you have something that you don't wear anymore don't be afraid to gift it to somebody because it may well be very well received and you're obviously saving yourself money in doing so by not buying you anyway I thought I'd add that for those eagle-eyed of you season

Slash Your Medical Bills | Financial

**Slash Your Medical Bills | Financial**



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View Time:1:59Minutes

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Money expert Jean Chatzky shares tips to help you slash your healthcare related costs, handle excessive medical bills, and negotiate to save money.

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About AARP:
AARP is leading a revolution in the way people view and live life after 50. AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people turn their goals and dreams into real possibilities, strengthens communities and fights for the issues that matter most to families such as healthcare, employment security and retirement planning.

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Slash Your Medical Bills | Financial | AARP

hi i'm jean chatzky AARP financial ambassador today's topic slash your medical bills here are four ways to begin don't be embarrassed to ask for a cheaper alternative the way to do that talk to your doctor or pharmacist and you can't be shy in researching the story I found more doctors and pharmacists are used to having these cost conversations now because healthcare costs are so high find a less expensive healthcare provider for services that you need but aren't covered under Medicare like dental eyeglasses or hearing aids you might need to take some time to shop around online for the best rates but doing this research is far better than not having any coverage at all if you need new glasses or a hearing aid immediately Kokoschka they have an entire optical department and a hearing aid center negotiate your bills in the article I mentioned healthcare blue book as a resource you can use to compare costs of coverage use it as ammunition to negotiate as I always say if you don't ask the answer will always be no consider using mail order for your medications ordering drugs through the mail can save upwards of 50% the mail order company is tied to either your Part D plan or Medicare Advantage if you sign up for a plan they'll send you the information and want you to move to mail order some mail order companies also provide coupons so keep an eye out for those as well that's it for now the question I have for you is how do you save money on medical expenses please share your thoughts and ideas here in the comments section below look for my next article in AARP the magazine and check back here for more YouTube videos you

4 Money-Saving Tips for Heading Back to College: St. Edward’s University

**4 Money-Saving Tips for Heading Back to College: St. Edward’s University**



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Rating:5.00

View Time:32Minutes

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For adult learners planning to complete their bachelor’s degree, St. Edward’s University in Austin, Texas, shares four smart ways to save time and money. View tips that you may not know, like getting credit for work experience, transferring prior college credits and more.

About St. Edward’s University:
St. Edward’s University is a private, liberal arts college in the Catholic Holy Cross Tradition with approximately 4,600 students. Located in Austin, Texas, it is one of the top universities in Texas and offers undergraduate and graduate programs, including MBA programs and a master’s degree in counseling. With a network of partner universities around the world, St. Edward’s is a diverse community with programs designed to inspire students with a global perspective. St. Edward’s University has been recognized for 15 consecutive years as one of “America’s Best Colleges” by U.S. News & World Report and ranks in the top 15 Best Regional Universities in the Western Region.

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Here's four ways to save time and money
when you head back to college first ask your employer if they'll pay
for part of your tuition you can take prerequisite courses at a
community college and then transfer your credits to a
four-year university to finish your degree you can also get course credit through exams like DSST or CLEP and finally you can earn credit for your
work and life experiences through a portfolio process which you'll find at many
universities

How Much ‘Medicare for All’ Would Cost You

**How Much ‘Medicare for All’ Would Cost You**



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Rating:2.68

View Time:15:45Minutes

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Many on the left claim that “Medicare for All” will save you money. They say that healthcare will be better and more affordable under a government system. Not true. According to a new Heritage Foundation study, not only would private insurance be outlawed and everyone forced to use government healthcare, but a family of four earning the median income would pay $9,000 a year to pay for Medicare For All. That’s about equal to what they spend on food every year.

This week, Tommy Binion breaks down the report, and pushes back against the left’s narrative that the middle class would save money under “Medicare for All.”

Still haven’t subscribed to The Heritage Foundation on YouTube? Click here ►

Show notes:

How Medicare For All Harms Working Americans

Medicare For All Would Make Most Families Poorer (Charts and Infographics):
from the Heritage Foundation I'm Tim de sure and this is heritage explains I have a plan that shows how we can have Medicare for all without raising taxes one cent on middle-class families I spent a big chunk of my life studying why families go broke and one of the number one reasons is the cost of health care medical bills and that's not just for people who don't have insurance Medicare for all solves that problem that senator Elizabeth Warren to solve our healthcare problems she believes we should eliminate all private insurance and let the federal government control all aspects of healthcare some call it Medicare for all others call it single-payer and others call it universal health care we'd call it a disaster leaders on the left always say they talk with people around the country about how they want government to run health care I wish he'd talk to me if she did she'd learn the following I am an insulin dependent type one diabetic I wear a medical device and give myself injections before every meal when I get up in the morning when I go to bed at night and whenever my blood sugar is too high I also regularly prick my finger to test blood sugar as my dad said once son you're a human pin cushion without exaggeration my entire life hinges on access to affordable healthcare so when I was set to study abroad in London I didn't really fear at first one because I was young and dumb and really didn't think anything bad would happen but also I knew they had universal health care so I'd at least be covered a little bit two months into my studies I realized a serious potentially life-threatening issue related to my disease I needed to see a doctor immediately so I went to the local hospital the young admin clerk looked at her schedule and said the next opening she had was in a week and a half I reiterated that it was serious and she said she just couldn't accommodate me I began to cry and I begged her in a crowded waiting room I went into great detail about what was going on it was actually so gross that I won't even share it with you the bottom line I was humiliated I was embarrassed and I was defeated as I was walking away she said that she was able to move some things around to accommodate me I turned and looked at her and broke out into tears and thanked her I share this story because I have experienced the type of healthcare system senator Warren is advocating for of course she nor any member on the left wants someone to go through what I went through in the UK but it is the sad reality of how universal health care works there are a limited number of doctors resources and the ability to see people to me it's amazing how much power an administrative clerk in their young 20s had over me if it wasn't for her having compassion on me I wouldn't have been able to see a doctor also did a person lose their place in line because of me likely so but let's think about this for a second let's say we did pass medicare-for-all and everyone had access to government health care what would it cost senator warren says that if we tax billionaires we can pay for it without raising taxes on the middle class is that true is it even possible if not what should the solution be Tommy Binion is the vice president of government relations here at the Heritage Foundation and this week he explains Tommy we've heard the term Medicare for all thrown around quite a bit and this new report that we're talking about today it's called how Medicare for all harms working Americans it it really does correct the bad information coming out from the left so but you know one of the problems is that bernie sanders has his version elizabeth warren has her version so if you could lay a foundation here what is a good definition that aggregates at all well so Medicare for all is not it Medicare for all is I think a really a mischaracterization for what these presidential candidates on the Democratic primary stage are selling us what they're selling us is government-run health care what they're selling us is making private health insurance private arrangements with health care providers private transactions making all of that illegal and replacing it with a scheme where you can go to a government-run health care facility and get health care furthermore this paper is about correcting one of I think the quintessential myths one of the quintessential mischaracterizations that Elizabeth Warren and Bernie Sanders and others are saying about this government-run health care plan they are saying you will be better off financially yes this will cost more money in terms of a tax increase but think of all the money you'll be saving on health care so what our analysts here at the Heritage Foundation what what Jamie Hall and Ed his lawyer did is they asked themselves okay how much is Medicare for all going to cost how much does that mean taxes are going to go up on Americans and will we as Bernie Sanders and Elizabeth Warren say be better off what do you think the answer that question is well from personal experience I I think that we would probably be worse off but let's get into it just a little bit here how much do we do we have a projection how much over the next ten years this is all gonna cost there are there are lots of projections about how much Medicare will for all will cost over ten years honestly the ten-year budget window is is really hard to calculate so what this paper focuses on is if it were enacted today how much would it cost next year got it you can get a lot more on accurate analysis if you just look at how much is it going to cost in the first year so that's what this paper does and so let's get to it how much is it gonna cost Americans the best part about this paper is it calculates how much it's going to cost each one of us individually so the the simple way to say it is your payroll tax is going to go up 21% which means what that means you're gonna well for me it would mean $9,000 I'm gonna I'm a married couple with two children and I'm on an employer-based health plan that means my taxes are going to go up nine thousand dollars next year Tim I can't afford that I don't know if you could I can't no no not at all no and and tell me about consequences of that tell me about so so we eliminate completely you will no longer go to the the doctor that you have would you be assigned a hospital how would how would this work how conceptually how would this work well those decisions today are yours if something is wrong with you you have the choice to go which doctor you want to go see what treatment you want to seek how you want to handle your health care under a government-run system all of those choices are taken away from you they're given to the government the beauty of today's system is the choices that you as an American consumer have choices are what makes the market go when businesses have to compete for your business when they want you to choose them they're gonna offer you a better product at a lower price of course when you take that choice away and you give it to the government they have completely different they will prioritize different things will the government prioritize health care for very old Americans probably not will they prioritize health care that's going to cost a lot to save the lives of somebody or maybe a cheaper treatment that has a less a worse success rate the incentives are different when you give the choices to the government and we've heard those nightmare stories from countries that already have this they really are a nightmare okay just a quick break from our conversation what are the big issues happening in DC and what are the issues happening that the media doesn't want you to know about well the agenda can clear all that up it's an email that comes out on Monday morning and gives you the conservative perspective along with television interviews from our experts on all the issues as well as important events happening at the Heritage Foundation be in the know sign up by emailing managing editor at Heritage org or you can scroll down to the bottom of Heritage org and look for these subscribe to email updates section it's on the right hand side of the bottom of the page okay let's get back to our interview with Tommy the the sobering reality here is that at least in this report from my understanding is that it's impossible for corporations for billionaires and you know and drug companies to pay for a Medicare for All system but the left continues on that what what are they basing that on well they're not basing it on mathematics in any way if you just want to tax the wealthy to pay for your Medicare for all plan there's not enough money there you could tax him at a hundred percent which of course would drive their productivity down to zero percent but if you taxed him at 99.9 percent you still wouldn't have enough money to pay for Medicare for all and and let's keep in mind Medicare for all is not the only thing that Elizabeth Warren wants to pay for Medicare for all is not the only new program that Bernie Sanders is pushing so where are they going to get the money to pay for all of these things and it's you know it's not so much about well our our debt and our deficit is gonna go up it's about the fact that this is completely an unrealistic policy agenda that will bankrupt our country that will cost us as individuals and families amounts of money that we clearly cannot afford and so we're you know the American people that are that are that are buying this they're being sold a bill of goods and and that's my question do they actually buy this do Americans actually think that this can work or is this purely politics well some of them are buying it a Warren and and and and Sanders are doing fine in the Democratic primary and in some respects they're surging certainly over over the decades these types of policies are as popular as they've ever been socialism is as popular today in America as it's as it's ever been that's a sobering reality I want to go back to what I said at the very beginning though maybe people are just buying into the term Medicare for all Medicare is fairly popular and Medicare for all is a benign phrase there is quite the marketing job being done by these presidential candidates and their campaigns to sell these proposals just the the very myth that this paper was written to dispel that you will be financially better off under Medicare for all I think all of the people that support this plan don't know that that's not true but hopefully this paper does something to change that what is this doing for the narrative you know they the left goes really really really far left and then if they get half of that that's a huge still a huge victory for them is there a strategy here for that or is this is this go for broke you'd have to ask them that question these are proposals that you need the United States Congress to enact now obviously the president alone he or she could not enact this policy the vote are not there in the United States Congress for Medicare for all the very liberal Speaker of the House Nancy Pelosi opposes Medicare for all so the votes are not there that begs the question if one of these people is elected president what will the actual legislative agenda be I have no idea and that's troubling in and of itself what's the fixed on our end what are we proposing well we are proposing a health care system that restores choice to the consumer if you have choice if you have competition you're able to choose healthcare that's best for your family also you know the the conservative ideas on health care are about protecting the most vulnerable are about working within the market system to deliver the best outcomes they're about recognizing what's good today and what we need to get rid of today furthermore it's about driving the cost down if you're like me your health care costs shot up since Obamacare was enacted if you get your health insurance from your employer rest assured the cost that they are paying the cost of that benefit to you has gone up dramatically if you're having to buy health insurance yourself you know exactly how much it costs because it's one of the biggest line items in your personal or your family budget the conservative health care options are about driving that cost back down where it should be that's what the market will restore that's one of the miracles about the economy that we're experiencing right now is that people's wages are going up while at the same time the cost of health care continues to rise so employers are really really giving a benefit to their employees because of a strong economy but when the economy goes back down if it does sorry wages go down too right and when and when that benefit becomes too expensive for employers to provide and employees have to go out and purchase it themselves their purchasing power is way down because the cost of basic coverage is way up Tommy thanks so much for coming in today appreciate it you bet and that's it for another episode of heritage explains we love hearing from you guys so please send us an email at managing editor at heritage org that's managing editor at heritage org let us know what you think of the show let us know what we can improve on let us know any ideas or topics that you might have for another episode Michele's up next week for a special Thanksgiving episode gobble gobble heritage explains is produced by Michelle Cordero and Tim Dasher with editing by Thalia Ramprasad

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