Any time of year is the right time to start saving money. Get started with these simple personal finance tips.

Personal finance tips can range from common sense (avoid unnecessary spending) to vague, near impossibilities (have the equivalent of your salary in savings before age 30). Broad tips for how to save money can be helpful for some disciplined, goal-oriented, personal finance–savvy people, sure, but not everyone is like that—and some people really struggle to put ways to save money into action.

Still, that doesn’t mean all personal finance tips need to fall by the wayside. Instead of abandoning all money management tips, try focusing on smaller ones. Money-saving tips that can be started and finished in minutes are easier to accomplish than broad goals such as using the Debt Snowball to pay off debt, and the financial benefits begin adding up almost immediately. Buying a $3 coffee every day doesn’t seem like a big deal, but at the end of the year, that’s more than $1,000 on coffee. The best personal finance tips work the same way, but in reverse: Completing them will save a tiny bit of money at first, but after a year or longer, the savings will really stack up.

For small, actionable savings goals, Real Simple turned to Marcus by Goldman Sachs, a personal loan and online savings account service with financial workouts to help anyone get into monetary shape. Start with these tiny personal finance tips; once they’ve been checked off, check out Marcus’s Financial Fitness Workout Plans for the bigger lifts.

Why is it Necessary to Have Pre & Post-hospitalization Cover in Health Insurance?

The following are the reasons that make pre and post-hospitalization cover necessary for you to have in your health insurance policy

Wide Coverage

A health insurance policy is deemed complete w

hen it has a pre and post-hospitalization cover. This will help you tackle the financial difficulties arising after the diagnosis of the disease or coverage during the recovery period. All health insurance plans might not provide this benefit, so read their terms and conditions before buying the plan.

You can file a pre and post-hospitalization easily by submitting the required documents to the insurer. And once the claim is approved, the insurer will transfer the claim amount to your linked bank account.
How to File a Claim for Pre and Post-hospitalization Expenses?

To file a claim in respect of pre and post-hospitalization, you need to intimate the insurer within the stipulated time, otherwise, the claim would be rejected on the grounds of non-compliance. For filing a claim, you need to submit the following documents

  1. Original hospital bills
  2. Medical certificates
  3. Original prescriptions
  4. Discharge summary
  5. Medicine and drugs bills
  6. Other supporting documents as requested by the company

Upon receiving the above documents, the insurer will check the same to see whether they are related to the medical condition for which you are hospitalized. After verification, the company will pay you the claim amount as per the terms and conditions of your health insurance.