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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.

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      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.

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              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.

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                      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.

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                        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.

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                          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.

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                            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.

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                              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.

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                                wikihow.com

                                It really does! Get the full tutorial here.

                                16. Window Cleaner Will Also Clean Patent Leather.

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                                  beautytiptoday.com

                                  Just spray and wipe.

                                  17. Talcum Powder Removes Oil Stains.

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                                    wikihow.com

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

                                    18. Lemon Juice Will Remove Armpit Odours.

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                                      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.

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                                        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.

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                                          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.

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                                                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.

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                                                    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.

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                                                        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.

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                                                          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.

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                                                            cosmopolitan.com

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

                                                            30. Use Clear Nail Polish To Tighten Sunglasses.

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                                                              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.

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                                                                  cosmopolitan.com

                                                                  The cold will kill smelly bacteria without fading your denim.

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

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                                                                    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 September 2, 2020

                                                                    How to Set Financial Goals and Actually Meet Them

                                                                    How to Set Financial Goals and Actually Meet Them

                                                                    Personal finances can push anyone to the point of extreme anxiety and worry. Easier said than done, planning finances is not an egg meant for everyone’s basket. That’s why most of us are often living pay check to pay check. But did anyone tell you that it is actually not a tough task to meet your financial goals?

                                                                    In this article, we will explore ways to set financial goals and actually meet them with ease.

                                                                    4 Steps to Setting Financial Goals

                                                                    Though setting financial goals might seem to be a daunting task, if one has the will and clarity of thought, it is rather easy. Try using these steps to get you started.

                                                                    1. Be Clear About the Objectives

                                                                    Any goal without a clear objective is nothing more than a pipe dream, and this couldn’t be more true for financial matters.

                                                                    It is often said that savings is nothing but deferred consumption. Therefore, if you are saving today, then you should be crystal clear about what it’s for. It could be anything, including your child’s education, retirement, marriage, that dream vacation, fancy car, etc.

                                                                    Once the objective is clear, put a monetary value to that objective and the time frame. The important point at this step of goal setting is to list all the objectives that you foresee in the future and put a value to each.

                                                                    2. Keep Goals Realistic

                                                                    It’s good to be an optimistic person but being a Pollyanna is not desirable. Similarly, while it might be a good thing to keep your financial goals a bit aggressive, going beyond what you can realistically achieve will definitely hurt your chances of making meaningful progress.

                                                                    It’s important that you keep your goals realistic, as it will help you stay the course and keep you motivated throughout the journey.

                                                                    3. Account for Inflation

                                                                    Ronald Reagan once said: “Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hitman.” This quote sums up what inflation could do your financial goals.

                                                                    Therefore, account for inflation[1] whenever you are putting a monetary value to a financial objective that is far into the future.

                                                                    For example, if one of your financial goal is your son’s college education, which is 15 years from now, then inflation would increase the monetary burden by more than 50% if inflation is a mere 3%. Always account for this to avoid falling short of your goals.

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                                                                    4. Short Term Vs Long Term

                                                                    Just like every calorie is not the same, the approach to achieving every financial goal will not be the same. It’s important to bifurcate goals into short-term and long-term.

                                                                    As a rule of thumb, any financial goal that is due in next 3 years should be termed as a short-term goal. Any longer duration goals are to be classified as long-term goals. This bifurcation of goals into short-term vs long-term will help in choosing the right investment instrument to achieve them.

                                                                    By now, you should be ready with your list of financial goals. Now, it’s time to go all out and achieve them.

                                                                    How to Achieve Your Financial Goals

                                                                    Whenever we talk about chasing any financial goal, it is usually a two-step process:

                                                                    • Ensuring healthy savings
                                                                    • Making smart investments

                                                                    You will need to save enough and invest those savings wisely so that they grow over a period of time to help you achieve goals.

                                                                    Ensuring Healthy Savings

                                                                    Self-realization is the best form of realization, and unless you decide what your current financial position is, you aren’t heading anywhere.

                                                                    This is the focal point from where you start your journey of achieving financial goals.

                                                                    1. Track Expenses

                                                                    The first and the foremost thing to be done is to track your spending. Use any of the expense tracking mobile apps to record your expenses. Once you start doing it diligently, you will be surprised by how small expenses add up to a sizable amount.

                                                                    Also categorize those expenses into different buckets so that you know which bucket is eating most of your pay check. This record keeping will pave the way for cutting down on un-wanted expenses and pumping up your savings rate.

                                                                    If you’re not sure where to start when tracking expenses, this article may be able to help.

                                                                    2. Pay Yourself First

                                                                    Generally, savings come after all the expenses have been taken care of. This is a classic mistake when setting financial goals. We pay ourselves last!

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                                                                    Ideally, this should be planned upside down. We should be paying ourselves first and then to the world, i.e. we should be taking out the planned saving amount first and manage all the expenses from the rest.

                                                                    The best way to actually implement this is to put the savings on automatic mode, i.e. money flowing automatically into different financial instruments (mutual funds, retirement accounts, etc) every month.

                                                                    Taking the automatic route will help release some control and compel us to manage what’s left, increasing the savings rate.

                                                                    3. Make a Plan and Vow to Stick With It

                                                                    Learning to create a budget is the best way to get around the uncertainty that financial plans always pose. Decide in advance how spending has to be organized

                                                                    Nowadays, several money management apps can help you do this automatically.

                                                                    At first, you may not be able to stick to your plans completely, but don’t let that become a reason why you stop budgeting entirely.

                                                                    Make use of technology solutions you like. Explore options and alternatives that let you make use of the available wallet options, and choose the one that suits you the most. In time, you will get accustomed to making use of these solutions.

                                                                    You will find that they make it simpler for you to follow your plan, which would have been difficult otherwise.

                                                                    4. Make Savings a Habit and Not a Goal

                                                                    In the book Nudge, authors Richard Thaler and Cass Sunstein advocate that, in order to achieve any goal, it should be broken down into habits since habits are more intuitive for people to adapt to.

                                                                    Make savings a habit rather than a goal. While it might seem to be counterintuitive to many, there are some deft ways of doing it. For example:

                                                                    • Always eat out (if at all) during weekdays rather than weekends. Weekends are more expensive.
                                                                    • If you are a travel buff, try to travel during off-season. You’ll spend significantly less.
                                                                    • If you go shopping, always look out for coupons and see where can you get the best deal.

                                                                    The key point is to imbibe the action that results in savings rather than on the savings itself, which is the outcome. Focusing on the outcome will bring out the feeling of sacrifice, which will be harder to sustain over a period of time.

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                                                                    5. Talk About It

                                                                    Sticking to the saving schedule (to achieve financial goals) is not an easy journey. There will be many distractions from those who are not aligned with your mission.

                                                                    Therefore, in order to stay the course, surround yourself with people who are also on the same bandwagon. Daily discussions with them will keep you motivated to move forward.

                                                                    6. Maintain a Journal

                                                                    For some people, writing helps a great deal in making sure that they achieve what they plan.

                                                                    If you are one of them, maintain a proper journal, where you write down your goals and also jot down the extent to which you managed to meet them. This will help you in reviewing how far you have come and which goals you have met.

                                                                    When you have a written commitment on paper, you are going to feel more energized to follow the plan and stick to it. Moreover, it is going to be a lot easier for you to track your progress.

                                                                    Making Smart Investments

                                                                    Savings by themselves don’t take anyone too far. However, savings, when invested wisely, can do wonders.

                                                                    1. Consult a Financial Advisor

                                                                    Investment doesn’t come naturally to most of us, so it’s wise to consult a financial advisor.

                                                                    Talk to him/her about your financial goals and savings, and then seek advice for the best investment instruments to achieve your goals.

                                                                    2. Choose Your Investment Instrument Wisely

                                                                    Though your financial advisor will suggest the best investment instruments, it doesn’t hurt to know a bit about the common ones, like a savings account, Roth IRA, and others.

                                                                    Just like “no one is born a criminal,” no investment instrument is bad or good. It is the application of that instrument that makes all the difference[2].

                                                                    As a general rule, for all your short-term financial goals, choose an investment instrument that has debt nature, for example fixed deposits, debt mutual funds, etc. The reason for going for debt instruments is that chances of capital loss is less compared to equity instruments.

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                                                                    3. Compounding Is the Eighth Wonder

                                                                    Einstein once remarked about compounding:

                                                                    “Compound interest is the eighth wonder of the world. He who understands it, earns it… He who doesn’t… Pays it.”

                                                                    Use compound interest when setting financial goals

                                                                      Make friends with this wonder kid. The sooner you become friends with it, the quicker you will reach closer to your financial goals.

                                                                      Start saving early so that time is on your side to help you bear the fruits of compounding.

                                                                      4. Measure, Measure, Measure

                                                                      All of us do good when it comes to earning more per month but fail miserably when it comes to measuring the investments and taking stock of how our investments are doing.

                                                                      If we don’t measure progress at the right times, we are shooting in the dark. We won’t know if our saving rate is appropriate or not, whether the financial advisor is doing a decent job, or whether we are moving closer to our target.

                                                                      Measure everything. If you can’t measure it all yourself, ask your financial advisor to do it for you. But do it!

                                                                      The Bottom Line

                                                                      Managing your extra money to achieve your short and long-term financial goals

                                                                      and live a debt-free life is doable for anyone who is willing to put in the time and effort. Use the tips above to get you started on your path to setting financial goals.

                                                                      More Tips on Financial Goals

                                                                      Featured photo credit: Micheile Henderson via unsplash.com

                                                                      Reference

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