When life throws you a curve like divorce or losing a spouse, it's tempting to put health care and budgets on the back burner. Be careful — evidence shows this kind of change can take a toll on your health and your finances. These budgeting tips can help you through the transition.

Why you need a health budget
Divorce or a spouse's death can throw your life — and your finances — out of balance. As you take on the burden of managing a household single-handedly, budgeting for health care might not be a top priority. But it should be. The stress of these kinds of life changes can cause serious health problems.

Step up and take control of your finances. The Family Health Budget can help you get a handle on what you're spending on health care. Knowing what you'll spend on your health will help you keep the rest of your household budget on track and also help to put you in the driver's seat.

Look into a health care spending account
One of the simplest ways to save money on health care expenses is to open a health care spending account. These accounts let you use tax-free income to pay for health care products and services. Because you're using money that hasn't been taxed, it's like getting a discount on things you have to buy anyway.