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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.

                    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.

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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.

                                                        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.

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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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                                                                    Published on May 7, 2019

                                                                    How to Invest for Retirement (The Smart and Stress-Free Way)

                                                                    How to Invest for Retirement (The Smart and Stress-Free Way)

                                                                    When it comes to stocks, I bet you feel like you have no idea what you’re doing.

                                                                    Everyone who’s not a financial expert has been there. I’ve been there. But, time is passing and you need to be crystal clear with how you’re investing for your retirement.

                                                                    Otherwise, it’s back to work until you can afford not to. So, how can you invest for retirement when you’re not a financial expert?

                                                                    You take the time to learn the fundamentals well. If you do, you can grow your wealth and retire happy. The best part is that you don’t need to be a financial expert to make smart investment decisions.

                                                                    Here’s how to invest for retirement the smart and stress-free way:

                                                                    1. Know Clearly Why You Invest

                                                                    Odds are you already know why should invest for retirement.

                                                                    But, maybe you know the wrong reasons. It’s time you get clear on why you’d like to retire. Here are some questions to help you get started:

                                                                    • Will you spend more time with your family?
                                                                    • What does retirement mean to you?
                                                                    • Are you looking to launch that business you’ve been holding off for years?

                                                                    Everyone wants to retire but not for the same reasons. Once you’re clear for why retirement is important for you, you’ll focus on making it happen.

                                                                    Investing in the stock market allows you to take advantage of compound interest.[1] All this means is that your money earns money on top of its interest. A reason why investment in the stock market is one of the best ways to plan for retirement.

                                                                    2. Figure out When to Invest

                                                                    “The best time to plant a tree was 20 years ago. The second best time is now.”– Chinese Proverb

                                                                    It’s true if you’d had started investing when you were 10 years old, you’d have a lot more money than you do today.

                                                                    The reality is that most people don’t start investing until it’s too late. So, if you’re currently waiting for the perfect time to start an investment, it would be today. Open your calendar and block out 2 to 3 hours to choose how you’ll invest for retirement.

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                                                                    A quick way to get a snapshot of where you stand is to use Personal Capital. Input all your personal information and spend some time setting your retirement goals. Once completed, you’ll know where you stand with your retirement.

                                                                    Having a savings account for retirement isn’t planning for retirement. Why? Your money loses value when you factor in US inflation.[2]

                                                                    3. Evaluate Your Risk Tolerance to Create the Perfect Portfolio

                                                                    Investing your money well depends on your emotions.

                                                                    Why?

                                                                    Because when the market drops most people panic and withdraw their money. On average, the US stock market yields an annual 6% to 7% ROI (return on your investment.) But, this won’t happen if you’re worried about short-term loses.

                                                                    Before you invest your next dollar, know your risk tolerance.[3] Your risk tolerance determines the number of risky and safe investments you’d have.

                                                                    Regardless of your investing style, you need to view investing for retirement as a long term game. Know that some years you’ll lose money but recoup this in the long-term.

                                                                    Avoid watching market-related new. Also, create a double authentication to log in your investment account. This way you’re less likely to withdraw your money.

                                                                    4. Open a Reliable Retirement Account

                                                                    Depending on your circumstance, you may need to open a new brokerage account. This is the account is where you’ll invest your money.

                                                                    If you’re currently working for a company, odds are that they offer a 410K investing account. If so, here’s where you’ll invest most of your money. The only problem with this is that you’re limited to the stock options that are available.

                                                                    You do have the option to open a separate IRA (individual retirement account.) Here are some of the best brokers:

                                                                    1. Vanguard
                                                                    2. TD Ameritrade
                                                                    3. Charles Schwab

                                                                    5. Challenge Yourself to Invest Consistently

                                                                    Committing to invest for retirement is hard, but continuing to do so is harder.

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                                                                    Once you’ve started investment for your retirement, you run at risk from stopping. Often you’ll want to contribute less, so you’d have more money in your pocket.

                                                                    That’s why it’s important that you create a budget that allows you to invest each month. If you’re working for a company, you can set a percentage for the amount you’d like to contribute each month. Most people by default contribute 1% but aim to contribute 10% to 15%.

                                                                    Be the judge for how much you can afford to contribute after covering important expenses. To stay motivated, use Personal Capital to view your net worth.

                                                                    A benefit to contributing money to your retirement account is not taxed. For example, if you earn $100 and invest 10%, you’d contribute $10, then get taxed on the remaining $90. As of 2019, the most you’re able to contribute towards your 401K is 19K but this can change.

                                                                    6. Consider Where to Invest Your Money

                                                                    The most common way to invest your money is in stocks, but it’s not the only way. Here are other ways to invest:

                                                                    Robo Advisors

                                                                    Robo-advisors[4] are fancy algorithms that’ll choose the best investments for you. Sites like Wealthfront make it easy for first-time investors to invest their money. You’d input information about yourself and set your risk tolerance.

                                                                    Then, set your monthly contribution amount and your robo-advisor would do the rest. Robo-advisors charge a fee to manage your money, but less than regular advisors.

                                                                    Bonds

                                                                    Think of bonds as “IOUs” to whomever you buy them from.

                                                                    Essentially, you’re lending money and charging interest. Like stocks, not all bonds are equal. Some will be riskier than others depending on their rating.

                                                                    Here are the different types of bond categories:[5]

                                                                    1. Treasury bonds
                                                                    2. Government bonds
                                                                    3. Corporate bonds
                                                                    4. Foreign bonds
                                                                    5. Mortgage-backed bonds
                                                                    6. Municipal bonds

                                                                    Mutual Funds

                                                                    Picture a group of people dumping all their money in a jar that’s managed by a professional. This is how mutual funds work. The fund manager manages the money looking to earn capital gains (interest.)

                                                                    One of the best types of mutual funds is index funds. Since these funds don’t try to beat the market and instead follow it, they need less research. Because of this they often charge the lowest fees and yield the best long-term results.

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                                                                    Real Estate

                                                                    Yes, buying a home is an investment when done correctly.

                                                                    Imagine buying a home and using it as a rental property. After repairing it, you receive a monthly surplus check of $100 to $200.

                                                                    This may not sound like a lot, but repeat this process enough times and you’d earn a large amount of passive income. That’s why real estate is one of the best investments to not only retire but become wealthy.

                                                                    But, it requires a lot of money to start and you should expect losing money along the way as you learn the process.

                                                                    Savings Accounts

                                                                    Your money can still grow in a savings account. Nowadays most online banks offer a 2% annual return. Although the average inflation is higher your money will be available when you need it.

                                                                    7. Master Disincline to Dodge Short Success

                                                                    Investing for retirement is a long-term strategy. That’s why you need to master delayed gratification. All this means is delaying short-term pleasure for something bigger in the future. Research shows that those who have delayed gratification are more successful.[6]

                                                                    So how can you master delayed gratification?

                                                                    By building your discipline.

                                                                    Think back to what retirement means to you. A clear purpose will help you avoid withdrawing your money during a market downturn. It’ll help you contribute more towards retirement when you’d want to waste it instead.

                                                                    Your journey towards retirement will be long, so reward yourself along the way. Choose a reward that’s relevant and meaningful, so that you reinforce positive behavior. For example, after contributing more towards retirement, treat yourself to dinner.

                                                                    8. Aggressively Invest on This One Investment

                                                                    I’ve mentioned several types of investments but haven’t covered the most important one.

                                                                    It sounds cliche but here’s why you’re your best investment towards retirement. The more you know, the more money you’ll be able to make. The more good habits you adopt, the more secure your retirement will be.

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                                                                    More importantly, investing in yourself is an investment that no one can take away. There’s no market downturn nor tragic circumstance that’ll wipe your knowledge and experience.

                                                                    But, how can you invest yourself?

                                                                    Reading books, blogs, and anything that’ll help you learn new topics daily. Listen to podcasts and audiobooks on your commute to/from work.

                                                                    Save money to buy courses and hire coaches. I used to believe hiring coaches was a waste of money when I could learn the subject alone.

                                                                    But, coaches see your blind spots and hold you accountable. Hiring the right coach will help you achieve your goals faster than you would’ve alone.

                                                                    Retire Happy with Excess Money

                                                                    The key to a secure financial future doesn’t only belong to financial experts.

                                                                    It’s possible for you and I. What if you were able to retire earlier than most people and weren’t a financial planner? What if you were able to focus on what you enjoy doing the most while your money was working hard for you?

                                                                    I know this sounds impossible now, but the truth is you’re capable of taking charge of your retirement. I’m not a financial expert but I’ve learned how to invest my money by reading books and learning from others.

                                                                    Investing your money is scary. So start small and invest a small amount of your money with a robo-advisor. Feel your money drop and rise for a month or two. Then, invest more and keep this up until you’re aggressively saving for retirement.

                                                                    One day, you’ll wake up with a net worth you’re proud of – confident about your retirement. You now know a few strategies you can use to invest in your retirement. Will you take action to retire happy?

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                                                                    Featured photo credit: Matthew Bennett via unsplash.com

                                                                    Reference

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