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Prescription prices can vary like nobody’s business depending on a whole host of factors. Sometimes they don’t even seem to make sense.

For example, a prescription that I get is cheaper on my insurance plan if I get the brand name instead of the generic. It’s $30-something a month for the brand name, and $50 or $60 a month for generic. If I didn’t have prescription coverage, I’d have to spend about $180.

Yet the same prescription for another person is $2 or $3 for the generic because of their insurance plan, and pricier for the brand name.

Stranger still, every now and then it’s cheaper not to use insurance at all when filling a prescription. This can happen if you have a pretty hefty copay for prescriptions, but the drug itself is inexpensive.

Finally, did you know that the cost of a prescription can vary from pharmacy to pharmacy? I discovered this while alternating where I got a prescription filled because I was using coupons.

The moral of the story? Ask what the least expensive option is when getting a prescription filled, and give price-checking a try if it’s an ongoing prescription.

I came across a link to a site called Destination RX on a forum that might be helpful in finding typical price ranges for various drugs. I gave it a try with the drug I take, and it looks like it provides the range a person might pay without insurance. (I just used their search option. I didn’t join, so I’m not sure what else the site may do.)

When my former husband and I first got married, I knew that managing money was important. It was only logical to make up a list of all of our expenses and see if we had enough money to pay them.

I knew that there was only x amount of money available for each item, etc., so I wrote things up and evaluated. And on paper it always worked out, just barely.

But no matter how hard I tried, it never actually worked out in reality.

It got very frustrating, and I gave up. In fact, I’ve never really had a official “budget” since. (Instead, I have a spending plan, which is a much more palatable way of handling things that works for me.)

One of the big reasons that my budget never worked out was that I was doing it backwards. I listed out all of our expenses, and then tried to see if we had enough money to pay for them, or tried to get enough money if we didn’t. My then-husband was also not involved. I was the designated “money person”, and so I made the budget up and presented it to him.

That just doesn’t work. What would have been more likely to have worked (at least a little better) would have been for us to come up with the list together, and agree to it.

Another problem was that I never sat down and figured out what it was that was actually causing the problems. It wasn’t that “well but we weren’t expecting that expense, next month will be better”. It was that I wasn’t facing reality. I wasn’t expecting the unexpected, or taking into account things I regularly forgot about and spreading them over the entire year (like car insurance or Christmas). I also didn’t realize that we were spending way too much money on transportation expenses as a percentage of our income.

The thing is, it’s normal to have a few problems with a spending plan (especially if you make very little money) when you’re just getting started. It takes time to adjust things to where they work. Instead of getting upset or giving up, step back and analyze. Try something different. Make small adjustments. Get what’s really important to you in there. If you’re going to go out to eat once a week, actually put it in the plan instead of telling yourself that you won’t and then doing it anyway.

The key is to make a spending plan/budget work for you instead of the reverse. Make it something that helps you get to where you want to be, instead of this dreadful thing that you “have” to follow.

It’s a good idea to review your will (and trust, if you have one) at least once a year. Even if you don’t think there have been any changes, you may be surprised to see that things weren’t as you remembered, or things might have happened that would require a change.

I reviewed my will and trust and realized that I needed to get them updated due to some life changes. Let me tell you, that’s one way to realize just how many little changes can take place in a year’s time financially.

It reminded me that I needed to get some things sorted out business-wise, and that I need to be sure my husband is aware of how I handle my finances in case he needed to do them for me.

It also showed me that I have a ridiculous amount of little passwords and accounts. Despite actively trying to cut back, apparently I still have a ways to go with that.

At any rate updating your will and trust (or creating at least a will, if you don’t have one yet) is a good way to get an overview of our financial situation, and to think about what you want the future to be like.