Creative ways to use up your FSA money — before it goes away!

Tick tock. If you’ve got a Flexible Spending Account , the deadline to cash it out is around the corner. You’ve got until March 15 to incur expenses — and March 31 to submit them. So get moving. The only thing worse than losing money is throwing it away — and that’s what you’ll do if you don’t empty your FSA. Stumped on how to spend it? Here are a half-dozen strategies to get you started.

1) Get the kinks rubbed out

Massage therapy has been shown to help not just kinks and aches but anxiety and insomnia, and it’s covered by FSA. While we’re on the topic of backs, chiropractic is covered too. A physician's statement letter may be necessary.

2) Splurge on Rx shades

Prescription sunglasses may seem like a wild luxury, but with the hourglass running out on your FSA, now’s the time to go for it. And anyway wearing sunglasses over your eyeglasses just isn’t a good look. Note: Non-Rx sunglasses aren’t covered.

3) Invest in a First Aid kit

Boy Scouts are always prepared. If you were to get cut, sprain an ankle or become sick — would you be? First Aid Kits, like this mobile one from the FSA store, will have you covered.

4) Make workouts work doubletime

If there’s a legit reason why you must exercise — say, arthritis — gym visits may be covered provided. Win-win. Before you hit the health club willy nilly, get a statement letter from your doctor. “We’ve written them for patients when there’s been a medical reason,” a New York doc told the Daily News.

5) Stock up for safe sex

Condoms are covered. But, guys, before you drop a couple hundred FSA bucks on Magnums and Trojans and Nows — oh my — note that you may need a prescription for this expense. Sorry for the cold shower, but check first.

6) Update sun essentials

Sunscreen doesn’t last forever — more like three years to be at their max. You know that SPF you’ve been slathering on since you can’t remember when? It’s high time to toss it and start fresh. SPF 15 or greater is a covered expense.