Best Ways to Use Your FSA and HSA Funds Before They Expire

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Sharing the best ways to use FSA and HSA funds before they expire.

Hi friends! How are you? I hope that your morning is off to a great start! We’re here in full holiday mode; I’m really trying to finish everything this week. I started holiday baking but everything has been consumed lol so I’m starting over (and storing some in the garage freezer!).

I’m also starting to plan for the new year and 2026 content. I’m so excited for everything coming up this next year!

For today’s post, I wanted to share some tips on how to use FSA and HSA funds before they expire, since I know many of you are also in holiday mode and it might not be on your radar. (We don’t have these accounts but it’s something I’m exploring in the new year since we love wellness essentials and lab testing). I’m also tempted to start this because this is the first thing I’d buy. 

The reality is that every year, thousands of people leave money on the table simply because they’re not sure what actually qualifies for HSA and FSA spending.

The good news is that there are so many smart, legitimate ways to use these funds to support your health – especially if you’re focused on prevention, inflammation reduction, hormone balance, and long-term wellness.

I wanted to chat about some of the best ways to use your FSA and HSA funds before they expire, including some of my favorite wellness tools, functional health options, and practical purchases that actually move the needle for how you feel.

First, a Quick Refresher: FSA vs. HSA

What is the difference between FSA and HSA?

Flexible Spending Accounts (FSA)

– Typically “use it or lose it” by the end of the year

– Employer-sponsored

– Covers eligible medical expenses

Health Savings Accounts (HSA)

– Funds roll over year to year

– Available with high-deductible health plans

– Can be used for many of the same eligible expenses

Always check your specific plan rules, but the categories below are commonly eligible.

(A little tip: you can toggle Amazon for FSA/HSA eligible)

1. Functional Health Testing (A Huge Opportunity)

One of the best uses of FSA/HSA dollars is testing, especially if you’ve been struggling with fatigue, inflammation, gut issues, or hormone changes.

Eligible tests may include:

Food sensitivity testing

Minerals and heavy metals

Stress,

12.12 Friday Faves

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Hi friends! Happy Friday! How was the week? It was a great one over here, but it always blows my mind how quickly December starts to fly by. I can’t believe it’s less than two weeks until Christmas and while I’ve checked out a majority of my list, there’s still a lot to do.

In between everything, we’re trying to make time for holly jolly fun: a night at Winterhaven, our annual Christmas at the Princess trip, baking cookies and watching holiday movies. I’d love to hear what you have going on this weekend! P has basketball, we’re seeing Zootopia 2 with friends, and have a holiday party. Hope you have a lovely weekend ahead!

(LOVING this book! It’s light, fun, and festive)

For now, it’s time for the weekly Friday Faves party. This is where I share some of my favorite finds from the week and around the web. I always love to hear about your faves, too, so please shout out something you’re loving in the comments section below.

12.12 Friday Faves

Here’s a roundup of this year’s gift guides if you’re still shopping!

Biohacking and Wellness Gifts

For Her

For Him

For the Kids

For Tweens

Everything is linked on my ShopMy for easy access and this page has a roundup of some of my top picks, too.

Read, watch, listen:

Michael Bublé doing the Concert with the Poor at the Vatican. This has been my work soundtrack all week!

Latest from Vivrelle! GINAHARNEY gets you your first month free.

Read more

What we’re actually getting our kids for Christmas

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Sharing the things we’re getting our kids for Christmas this year if you’re looking for ideas!

Hi friends! How are you? I hope you’re having an amazing week so far! It’s been a pretty good one over here. Liv has been home with the sniffles, but P has had a great week at school and I’ve been here working on blog content for the new year! The fun is starting with our 2026 health planning class. Join here if you haven’t already!

For today’s post, I wanted to share what we’re getting the kiddos this year for Christmas if you’re looking for ideas.

Here’s a list of this year’s gift guides, too!

For Her

For Him

For the Kids

Biohacking and Fitness

Stocking stuffers, hostess gifts, and under $50 faves

For Tweens

Everything is linked on my ShopMy for easy access and this page has a roundup of some of my top picks, too.

A friendly lil note here that everyone’s shopping strategy/budget is different. This might look insanely high to some people, and low to others. Some people go absolutely WILD for Christmas (and good for them! haha) while others stick to a budget. It’s really about your unique family and budget! And also worth mentioning here that Christmas is about so much more than the gifts. (The gift aspect is my least favorite thing about the holiday. I just want to be with the family, and eat delicious food, and sing, “Happy Birthday” to baby Jesus.)

Posting a pic of our most giant Christmas tree from 2021 just in case they glance at the blog on my phone.. I don’t want them to see a pic of what they’re getting 😉 Also, I’m so glad we finally got rid of that 90s-style fan.

What we’re actually getting our kids for Christmas

For the kids, we stick to, “something they want, something they need, something to wear, and something to read” + Santa gift

2026 Health Planning Class

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Hi friends!

I’m so excited to share something brand new that I’ve never done before, and it’s truly the perfect way to wrap up the year feeling grounded, empowered, and ready to take control of your health in 2026.

On December 17th at 10 AM PST / 1 PM EST, I’m hosting a free live class where I’ll walk you through creating your personalized health plan for 2026.

SAVE YOUR SEAT HERE

We’re doing it together with the power of ChatGPT to help you build a custom, step-by-step plan you can start using immediately.

If you’ve been wanting clarity, structure, and a realistic approach to your wellness goals… this is your chance.

What Is the 2026 Health Planning Class?

Think of this class as your annual reset: a chance to get out of overwhelm, get clear on what actually matters for your body, and create an action plan that feels doable, energizing, and fun.

During the class, we’ll map out your:

– Nutrition goals (no crash dieting, ever)

– Hormone and gut support strategy

– Exercise plan based on your current season of life

– Sleep, stress, nervous system tools

– Daily non-negotiables to keep you consistent

– Lab testing roadmap (if needed)

– Supplements that are actually worth it

– Lifestyle habits to feel amazing all year long

You’ll leave the workshop with your own customized plan, not a generic template. It will be your personal custom document that you can reference and adjust as the year goes by.

Why We’re Using ChatGPT (And How It Helps You)

During the live session, we’ll use AI to:

– Create personalized habit trackers

– Build a weekly routine that fits your lifestyle

– Map out your ideal wellness week

– Turn your goals into actionable steps

– Save everything into a plan you can reference all year

You’ll literally walk away with a 2026 Wellness Blueprint that we build together in real time.

What You Need to Bring

To make the most of this class, come prepared with

12.6 Friday Faves

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Hi friends! Happy weekend to ya! I’m posting my Friday Faves roundup a little late this week because it’s been a wild one. I took Liv and one of her best friends to the Katseye concert in Phoenix,

(the girls had a BLAST)

and then my niece was dropped off for a sleepover while her parents enjoyed a much-needed date night. We loved having her here so much. Ok, everyone except Maisey. She was very stressed that someone else was getting more attention than her lol.

She slept like an angel in the pack n’ play in our room, and the girls had so much fun with her here. They already asked if it can become a weekly thing.

What do you have going on this weekend?

We got our Christmas tree last night, watched Home Alone and ate pizza,

(one day I’ll have a curated matchy tree… and it might break my heart)

and the rest of the weekend is filled with basketball games, Moulin Rouge, NCL meeting and Wicked: For Good (again! I can’t wait), and getting ready for the week ahead. I hope you have a lovely weekend!

For now, it’s time for the weekly Friday Faves party. This is where I share some of my favorite finds from the week and around the web. I always love to hear about your faves, too, so please shout out something you’re loving in the comments section below.

12.6 Friday Faves

Wellness faves with extended Cyber Monday deals:

Air Doctor.

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