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33 Clothing Hacks That Will Save You A Lot Of Money

33 Clothing Hacks That Will Save You A Lot Of Money

Instead of replacing clothing at the first sign of wear and tear, why not use these 33 clothing hacks to keep your clothing fresh, fixed and free!

1. De-Pill Your Clothing Using A Razor.

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    cottonandcurls.com

    After you’ve run a razor over your clothing, use tape to pick off any left overs.

    2. Sew On A Button.

    kg-12
      ultimatescouts.com

      It’s that easy!

      3. A Tie Is A Man’s Jewellery.

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        themetapicture.com

        You don’t need a lot of ties, just a few different ways to tie it.

        4. Use A Sharpie To Cover Bleach Stains.

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          sewmanyways.blogspot.co.uk

          Blot out the bleach instantly.

          5. Use a Hair Straighteners As a Collar Iron.

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            blazepress.com

            Don’t have the heat to high or leave the straighteners on the fabric too long or you may cause damage… and a fire.

            6. Fix A Zipper With Candle Wax, Crayons, A Pencil Or Nail Polish.

            kg-2
              interestingremedies.com

              No really! Get The full tutorials here.

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              7. Stop Your Fly from Opening.

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                getdigitalorange.com

                Use an elastic band, or buy an actual Zip Holder.

                8. Take Jean Hems Up Yourself.

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                  .makeit-loveit.com

                  Here’s the full how-to.

                  9. Use Shaving Foam To Remove Make-Up Stains.

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                    feminiya.com

                    We recommend washing the clothing after you’ve covered it in shaving foam though.

                    10. Attach Something To The End Of Your Pyjama Ties To Stop Them From Disappearing Into The Hem.

                    clothing-hacks-22
                      reddit.com

                      A safety pin may a bit stabby, so re recommend a button or a thick hairband.

                      11. Widen Shoes By Filling Them With Water.

                      clothing-hacks-11
                        agapelovedesigns.com

                        It may seem like madness, but placing water inside your shoes and putting them in the freezer overnight will expand them so they fit perfectly.

                        12. Use A Straw So You Never Lose Your Hoody Strings Again.

                        clothing-hacks-21
                          lifehacker.com

                          You only need an inch of straw, there’s no need to have the whole string covered in straws.

                          13. Wear Your Leather Jacket In The Rain To Get That Distressed Look.

                          clothing-hacks-20
                            trends-setters.com

                            Not into the glossy, new leather jacket look? Create the distressed, vintage look by wearing the jacket in bad weather.

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                            14. Try Jeans On Without Actually Trying Them On.

                            Clothing-hacks-24
                              wikihow.com

                              Jeans shopping is the most time-consuming, soul-destroying experience ever, so instead of trying jeans on see if the waistline will fit around your neck. If it does, chances are they’ll fit your waist.

                              15. White Wine Removes Red Wine.

                              clothing-hacks-16
                                wikihow.com

                                It really does! Get the full tutorial here.

                                16. Window Cleaner Will Also Clean Patent Leather.

                                Clothing-hacks-15
                                  beautytiptoday.com

                                  Just spray and wipe.

                                  17. Talcum Powder Removes Oil Stains.

                                  clothing-hacks-4
                                    wikihow.com

                                    Apply the talc to the area and leave it over night.

                                    18. Lemon Juice Will Remove Armpit Odours.

                                    clothing-hacks-17
                                      wikihow.com

                                      Spray a little lemon on the affected area and those odours will evaporate.

                                      19. Hem With A Glue Gun If You Want Quick Results.

                                      clothing-hacks-19
                                        shanty-2-chic.com

                                        If you’re in a rush or you don’t have the sewing skills necessary, just use a glue gun to take up those long items.

                                        20. Cold Water And Vinegar Will Remove Stains.

                                        Clothing-hacks-14
                                          11andchic.com

                                          This mixture will remove stains form leather without causing any damage.

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                                          21. Use A Hairdryer To Make Shoes More Comfortable.

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                                            stylecaster.com

                                            Put on a pair of thick socks and put on your shoes. Blow-dry your feet and the heat will stretch out your shoes.

                                            22. Use Vaseline To Unstick A Zipper.

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                                              cosmopolitan.com

                                              By greasing up the zip you’ll make it easier to undo.

                                              23. Clear Nail Varnish Will Stop A Ladder In Your Tights.

                                              nrm_1406653148-7h1a7565
                                                cosmopolitan.com

                                                Make sure the nail varnish is clear!

                                                24. Pull On The Fabric Around A Thread To Pull It Back Into Place.

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                                                  cosmopolitan.com

                                                  Move between tugging on the sides and top and bottom of the lose thread.

                                                  25. Washing Up Liquid Will Remove Oil Stains.

                                                  dawn
                                                    cosmopolitan.com

                                                    The Dawn brand is also gentle on your clothing.

                                                    26. Tame A Wild Underwire Using Adhesive Moleskin.

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                                                      cosmopolitan.com

                                                      You can get adhesive moleskin from almost any drugstore.

                                                      27. Moisturise Leather.

                                                      moisturizer
                                                        cosmopolitan.com

                                                        If you don’t have shoe polish lying about then use moisturiser instead.

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                                                        28. Cover Sneakers In Baking Soda To Remove Odours.

                                                        sneakerbakingsoda
                                                          cosmopolitan.com

                                                          The baking soda will soak up any sweat that’s on your shoes. Gross, but true.

                                                          29. Clear Nail Varnish Will Stop A Button Falling Off.

                                                          buttonnailpolish
                                                            cosmopolitan.com

                                                            Avoid sewing the button back on right now with this quick fix.

                                                            30. Use Clear Nail Polish To Tighten Sunglasses.

                                                            sunglassesnailpolish
                                                              cosmopolitan.com

                                                              If your sunglasses’ arms a little loose, dab some nail polish on the hinge until you can get to a tiny screwdriver.

                                                              31. Hairspray Will Remove A Lipstick Stain.

                                                              lipstick
                                                                cosmopolitan.com

                                                                Spray hairspray on the lipstick stain and let it settle for a few minutes before putting the item in the washing machine.

                                                                32. Put Your Jeans In The Freezer To Remove Odour.

                                                                freezerjeans
                                                                  cosmopolitan.com

                                                                  The cold will kill smelly bacteria without fading your denim.

                                                                  33. Stop Sweaters Shredding By Putting Them In The Freezer.

                                                                  sweaterfreezer
                                                                    cosmopolitan.com

                                                                    Leave the sweater in the freezer overnight and there’ll be no more shedding!

                                                                    Enjoy these 33 clothing hacks to make life a little simpler and more manageable!

                                                                    Featured photo credit: Unsplash via unsplash.imgix.net

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                                                                    Siobhan Harmer

                                                                    Siobhan is a passionate writer sharing about motivation and happiness tips on Lifehack.

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                                                                    Last Updated on June 1, 2020

                                                                    How to Pay off Debt Fast Using the Stack Method (A Step-By-Step Guide)

                                                                    How to Pay off Debt Fast Using the Stack Method (A Step-By-Step Guide)

                                                                    Whether it’s consumer debt on credit cards, student loans[1], or a mortgage, most people find themselves weighed down by debt at some point in their lives. This can keep us working jobs we hate just to pay the bills and keep our heads above water. By learning how to pay off debt fast, you can release this burden and remove some of the stress from your life.

                                                                    The Stack Method is one way to do this. Once you understand it, you too can learn how to pay off debt fast.

                                                                    What Is the Stack Method?

                                                                    The Stack Method, often referred to as “debt stacking,” requires making a list of all your sources of debt, starting with the debts that incur the highest interest. Then, you make the minimum payments for each source of debt, but when any extra money comes your way, you throw it at the debt at the top of the list. This way, you eliminate the debts with the most interest first, dropping extra costs to a manageable level in a fairly short amount of time.

                                                                    To get started with the Stack Method, go through these steps and overcome those mountains of debt today.

                                                                    1. Stop Creating New Debt

                                                                    Most people do not receive training in handling money and how to live within their means. If you’re in debt, then you’re probably one of these people, and it’s time to bite the reality bullet.

                                                                    It’s going to be impossible to get out of debt unless you retrain your financial habits right now.

                                                                    You must make a stand against all the marketers trying to take your hard earned money or offering easy finance. You don’t need more stuff to make you happy. What you need is financial peace of mind.

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                                                                    So cut up your credit cards or freeze them. I mean this literally. Put them in a container of water and stash them in your freezer. Then, when there’s an opportunity to spend, you have time to thaw out (you and the credit cards) and really decide if you need that purchase.

                                                                    2. Rank Your Debt by Interest Rate

                                                                    Make a list of all your debt with amounts and the interest rate. The highest interest rate should be at the top as this is what you’ll pay off first.

                                                                    Paying off your high interest debt is the key to the Stack Method.

                                                                    Interest is a powerful weapon, and right now the bank or other financial institutions are using it against you. Interest significantly increases the amount you need to pay back, and often we’re completely unaware of how much that is.

                                                                    For example, if you have a $10,000 credit card debt at 20% interest where you pay a minimum payment of $200 a month, you will end up taking 9 years and 8 months to pay off the actual amount of $21,680 including $11,680 in interest!

                                                                    3. Lower Your Interest Rates

                                                                    You can often lower your credit card interest rates by doing a balance transfer. This means moving your credit card to another bank, where they will lower the interest rate to get your business[2].

                                                                    Shop around and try to get the lowest interest rate for the longest duration (preferably until it’s paid off completely). Just make sure you’re reading the terms and conditions carefully so you don’t get stung by the new bank in other ways.

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                                                                    Once you’ve done this, you can order your list of debt again if interest rates have shifted.

                                                                    4. Create a Strategic Spending Plan

                                                                    This is where we improve your financial control from Step 1. Take a piece of paper and write down your income after tax and all the expenses that you have. This will include the minimum payments on all your debt.

                                                                    Look at your expenses, and then rank them in order of importance to you. Look at the items on the bottom of your list and decide whether you’d rather have them or be financially stable. The objective is to create a spending  plan where your expenses are lower than your income.

                                                                    You also decide how much you are willing to spend on each area of your life. You can allocate amounts for rent, groceries, eating out, buying clothes, and other activities. However, realize that once you’ve spent your allocated money, there’s no dipping into other areas[3].

                                                                    It also helps to have a “Fun Account” that you can spend on what you like, and an “Emergencies Account” in case your car breaks down or other unfortunate incidents come up.

                                                                    You also want to include the extra amount you’re going to use to pay off debt in your spending plan.

                                                                    Can you afford $20 a week? $50? $100? $200 or more? It’s important that you get a realistic number that you can commit to each week without fail, and this is your Stack Repayment.

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                                                                    5. Create a Payment Schedule

                                                                    The first part of the Stack Method is to cover the minimum payment on every single debt you have. Any time you miss a payment, you incur fees, and these add up quickly. This also includes making the minimum payment on the debt with the highest interest rate.

                                                                    Then for the debt with the highest interest rate (your Target Debt), you’re going to add the Stack Repayment from your strategic spending plan. You apply this Stack Repayment and the minimum payment until that debt is paid off in full.

                                                                    As your official minimum payment decreases, you add that extra amount to your Stack Repayment. So, as your minimum repayment drops, your Stack Repayment increases equally. This will compound how fast you pay off the Target Debt by adding even more to the payments you’re making.

                                                                    6. Reward Your Progress

                                                                    You want to track your Target Debt so you can see your progress along the way. You can also decide on milestones that you’re going to celebrate and reward yourself for.

                                                                    A reward doesn’t have to cost money, but if it does then it comes from your previously allocated spending plan.

                                                                    This is an important step as it will keep your motivation going when you feel your willpower fading.

                                                                    Just like you’ve trained yourself to brush your teeth and shower, you can train yourself to manage your money. Feel great that you’re now entering the 10-20% of people who are actually responsible with money.

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                                                                    7. Compound Your Results

                                                                    Once you pay off your Target Debt, have a huge celebration and congratulate yourself. Then, you move the Stack Repayment (which includes the previous minimum payment now) to the next debt with the highest interest rate.

                                                                    This becomes the new Target Debt, and you are using your Stack Repayment amount plus the minimum payment for the new debt.

                                                                    This is why the Stack Method is so powerful. As you decrease a debt, you actually increase your Stack Repayment amount. This means the second debt will get paid off even faster, the third even faster than that, and so on and so on until you are completely debt free.

                                                                    8. Be Kind to Yourself

                                                                    During this process, your resolve is going to be tested multiple times. Maybe you’ll have an emergency like your car breaking down or the need to travel for a sick relative. The important thing is to not throw up your hands in despair and slipping back into your old habits.

                                                                    Life will test your commitment to your new responsible money attitude, and it’s up to you how you respond. When things go wrong (and I guarantee they will), you need to shrug it off and get back on track.

                                                                    Show compassion when you accidentally go over your target spending amount and decide to do better next week.

                                                                    The Bottom Line

                                                                    The Stack Method is a powerful tool, but it’s up to you whether you use it effectively. If you really want results, then bookmark this article immediately and start working through the steps.

                                                                    It’s only by the decision you make right now that you will enjoy a debt-free future and live a financially responsible life.

                                                                    More Tips on How to Pay off Debt Fast

                                                                    Featured photo credit: NeONBRAND via unsplash.com

                                                                    Reference

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