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As a life insurance sales person I often have families tell me thanks but I just can’t afford it. I decided to see what I could do to save $200 a month from my budget. I then took it step further and found 10 things anyone

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

could do to save money each and every month.

I eat out at least 4 meals a week while I am running from appointment to appointment. I love Diet cola and drink it with every meal even breakfast. By getting water instead of D

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

iet Cola I can save about $8 a week or $32 a month. I also drink a 12 pack of diet cola at home every day. By cutting back to a 6 pack of Diet cola Daily I can save an additional $8 a week or $32 Monthly. Just by cutting b

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

ack on Diet Soda I have saved $64 a month.

I love cheeseburgers and 3 or 4 times a month I go to a fast food restaurant and get a double cheeseburger combo for $5. By cutting back to a single combo for $3 I can save an addi

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

tional $7 a month. The nice thing about this of course is that it is much healthier then a Double Cheeseburger.

I often go out to eat with my Girlfriend. I have an Entertainment card that is available in most major cities.

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

This card can be used for Buy 1 get 1 free meals at 100’s of local area restaurants. By using an Entertainment card for 1 Lunch and 1 Dinner each month I can save an additional $20 a Month. So far by changing a few of my e

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ating habits I have not only saved $91 a month but I have improved my health at the same time.

I have a Gym membership that I pay $20 a month for. I don’t use the gym except for maybe the treadmill once or twice a month whe

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

the weather is bad. By walking at the Mall instead of the Gym I can save $20 a Month.

I recently got an all in one Messaging solution for about $25 a month. This solution comes bundled with a send and receive fax capabili

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

ty. I was able to eliminate my home fax machine and save myself an additional $15 a month.

I had a land line phone that I was paying over $50 a Month for. I was able to switch to Vonage an internet VOIP provider and save $2

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

5 a month. Every Month My cell phone would go over by an average of just over 200 minutes by changing my cell phone plan to one that allowed more minutes I was able to save $50 a month.

Looking at the saving so far I have s

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

aved $91 by changing my eating habits, $90 a month by changing my Phone usage and an additional $20 by walking at the Mall instead of the Treadmills at the Gym. So far my total savings is $201 a month

I also saved $25 a mon

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

th by getting rid of 2 Premium Cable TV services and an additional $10 a Month by asking my Cable provider to bundle my Cable TV and Internet.

Hopefully this will give you some ideas on how you can save money on your monthly

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

budget. Here are a few more

1 – Change the Thermostat.
By raising the thermostat 1 or 2 Degrees in the summer and lowering it 1 or 2 degrees in the winter you may notice a big difference in your Energy Bill

2 – Shop

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

the Cell Phone Competition.
When your contract is up shop the competition. I have a friend who has 200 more minutes and extra features like free calls from her Favorite 10 for less money.

3 – Get the Family plan
M

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

ny people can save money by combining all the family members into a big family plan for their sell phone usage.

4 – Is cable your only choice?
Quite frequently it is possible to get Satellite TV cheaper then cable.

5 –

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

Give up that expensive coffee
Many people drink 1 or 2 cups of that $4 coffee daily. By giving up 2 cups a week you can save over $30 a Month

6 – Find the Early bird.
Many Restaurants have Early bird dinners that

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

can save $20 or more per family.

7 – Take Out
I know of 1 Family that saves $10 a week on the cost of Soda by taking out from their favorite sandwich shop as opposed to eating in.

8 – Rent a Video
The cost of the

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

average Movie for a Family of 4 with Popcorn and Soda is well over $50 nowadays. You can rent a Video, Make Microwave Popcorn and order in a Pizza and still have $20 left over.

9 – Try a Free Museum or Zoo
In St Louis

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

the Choices for fun free entertainment are endless. We have the Zoo, Sculpture Park, History Museum and the Muny just to name a few. Check out your Sunday paper for activities you can do for free.

10 – Take a Walk
Mo

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

st big cities have areas where you have to pay for parking. Often free parking is available a block or 2 away, By getting there a few minutes early you can find free parking nearby and get the health benefits of a nice walk

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of paying only one loan.

New Business Loans are just the answer to budding and hopeful business persons. They are short term loans which are great to start up a business with. They are easily available and well within the means of an amateur person with limited capital to start business with.

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