Don't procrastinate

If you plan to get the Gardasil vaccine to protect yourself against cervical cancer and HPV, make sure you have time to get all three doses of the vaccine before you turn 27. Administered over an eight-month span, the vaccine has only been approved by the FDA for women up to 26 years of age, so insurance will not cover any shots needed once you're past the cutoff (even if you start the process before your birthday).

Out-of-pocket, these jabs can cost up to $200 each, not counting administration fees tacked on by your doctor's office.

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