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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.

            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.

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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.

                                                  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.

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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.

                                                            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 July 10, 2020

                                                                    The Definitive Guide to Get out of Debt Fast (and Forever)

                                                                    The Definitive Guide to Get out of Debt Fast (and Forever)

                                                                    Debt can feel crushing, like a weight that is always weighing you down. Looking at those numbers, it can feel as if you’ll never get out from under it. However, if you really want to learn how to get out of debt, it is possible with a great deal of focus and self-control.

                                                                    Getting out of debt isn’t impossible. Like any big goal, all that it takes is an action plan to identify where you are and creating a plan to zero out your debt.

                                                                    Identifying All of Your Debts

                                                                    The first part of paying off your debt is getting a complete picture of what you owe. When you have everything written out in front of you, it makes it much easier to create an action plan. Depending on how much you owe, it might also help you realize it’s not as bad you might have originally thought.

                                                                    Here’s how you can get started identifying your debts:

                                                                    1. Own Your Debt

                                                                    Before you start identifying all of your debts, take a moment to process that you have debt but want to get out of it.

                                                                    Forgive yourself for any past mistakes, missed payments, or overspending. It might be painful to accept how much debt you have at first, but you must own it.

                                                                    2. Make a Debt Tracker

                                                                    It’s astonishing how few people ever created a tracker to understand their total debts. Most likely, it comes from not wanting to accept the guilt of having debt, but, if avoided, it can make it nearly impossible to get out of debt.

                                                                    Open up a new Google or Microsoft Excel sheet and list out all of your debts. Start with the name of the creditor, interest rates, total balance, loan term length (if any), and the minimum amount due each payment. This will include student loans, credit cards, and any other type of debt owed.

                                                                    3. Get Your Debt Number

                                                                    Once you’ve made your debt tracker and taken the other steps, identify your total payoff number. This is crucial, as you will have a starting point and a clear goal that you are trying to achieve.

                                                                    Prioritizing Your Debts

                                                                    All debt is not created equal. It’s imperative to understand that there are different types of debt.

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                                                                    1. Understand Bad and Good Debts

                                                                    Bad debts are usually paying for things you want instead of always need. While there might be some emergencies that max out your credit cards, often times it’s excessive spending[1].

                                                                    There are three main types of bad debt:

                                                                    • Credit Card Debt: The average American household owes over $16,000 in credit card debt!
                                                                    • Auto Loan Debt: According to CNBC , the average auto loan in the US is $30,032!
                                                                    • Consumer Loan Debt: Consumer loan debt isn’t as common as credit card and auto loan debt, but it’s still considered bad as interest rates are usually between 10-28%.

                                                                    Good debt is identified as investments in your future. Here are three common types of good debt:

                                                                    • Student Loan Debt
                                                                    • Mortgage Loan
                                                                    • Business Loans

                                                                    2. Decide Which Debt to Pay off First

                                                                    Once you know each type of debt and their interest rates, you can begin to pay off debt quickly.

                                                                    Focus on paying off bad debt first, regardless of if it is a credit card or auto loan. Start by paying off the loan with the highest interest rate first.

                                                                    If you have several credit cards with different interest rates, you want to focus on the one with a higher APR. You will actually save more money by eliminating the card with the highest interest rate.

                                                                    3. Don’t Pay the Minimum Amount

                                                                    Paying the minimum amount digs you into a hole as interest rates will offset your payment. Even a small amount more than the minimum can help you pay off debt much faster.

                                                                    Removing Obstacles to Pay off Debt Quickly

                                                                    Creating a debt tracker and prioritizing a plan is simple, but avoiding temptation can be difficult.

                                                                    1. Set a Reminder to Track Your Debt

                                                                    “If you can’t measure it you can’t manage it.” -Peter Drucker

                                                                    It’s so important to track your debt to ensure that you get it paid off quickly. Similar to working out and measuring your results, you need to track your debt constantly. Start with a weekly reminder, where you sign on and log your updated number. Did you increase, decrease, or stay the same?

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                                                                    Regularly tracking your student loan balance can be incredibly motivating, as well. You will get a huge confidence boost each time you see your total debt amount decreases.

                                                                    Set weekly and monthly goals so you can have short term wins and keep the momentum going.

                                                                    2. Hide Your Credit Cards

                                                                    If your biggest debt is credit cards, you need to eliminate temptation and remove them from your wallet.

                                                                    Some people have gone to extreme measures by freezing their credit cards. Why? This would create an ice block around your card, which would require you to chip away at it slowly. This will give you time to think if it’s the best idea to buy that thing you’re about to buy.

                                                                    3. Automate Everything

                                                                    Willpower can be a huge downfall to paying off your debt. By automating your bills each month, you will ensure that willpower isn’t involved.

                                                                    4. Plan Ahead

                                                                    Getting out of debt will require some sacrifices, but with enough planning, you can make it work.

                                                                    For example, if you know that you have a friend’s birthday or family dinner coming up, plan ahead for the costs. Whether you need to cut back on spending the week before, pick up a side job, or meet them after dinner, do what is needed.

                                                                    5. Live Cheaply

                                                                    The only way to get out of debt is to make some sacrifices on your spending habits. Find ways to save money each month so you can apply that amount to your outstanding debts. Here are some ways to save money each month:

                                                                    • Live with roommates
                                                                    • Cook dinners and prepare lunches for work instead of eating out
                                                                    • Cut cable and choose Netflix or Amazon Prime
                                                                    • Take public transit or bike to work

                                                                    Finding the Lowest Interest Rates

                                                                    The higher your interest rates, the harder (and longer) it will take you to pay off any debt.

                                                                    If possible, you want to find ways to lower your interest rates to help get out of debt quickly. Here’s how you can get started:

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                                                                    1. Maintain a High Credit Score

                                                                    Your credit score will have a large impact on your ability to refinance your loans and receive a lower interest rate. If you have a low credit score, it’s unlikely you will be able to refinance your loans. Use these credit tips to increase and maintain an excellent score:

                                                                    • Never miss a payment
                                                                    • Don’t exceed 30% of your credit limit
                                                                    • Don’t sign up for more than one card at once
                                                                    • Limit hard inquires, like auto-loans and new credit cards
                                                                    • Monitor frequently with free credit-tracking software

                                                                    2. Find Balance Transfer Offers

                                                                    Start by opening a free account on credit.com. Credit.com offers you the chance to open a free account and see what type of balance transfer offers you can receive. Some of your existing credit cards might already have 0% or lower APR balance transfer offers available.

                                                                    Contact each of your credit card providers to ask about lowering your rate for a one-time balance transfer offer[2].

                                                                    If you do take advantage of this option, make sure that you use a balance transfer and not a cash advance. Cash advances have a ton of high interest fees (15-25%, depending on your credit card) and will only compound your debt problem.

                                                                    How to Get Rid of Debt Forever

                                                                    Setting up a plan, removing temptations, and getting the lowest interest rates is the first step to get out of debt.

                                                                    1. Keep Monitoring and Adjusting

                                                                    Once you have a plan, don’t get comfortable. Track your debt payoff plan and make the necessary adjustments when needed.

                                                                    Monitor your credit scores with a free site like CreditKarma. The higher your credit score climbs, the more likely you will be to secure a new, lower-interest loan.

                                                                    2. Earn More Money

                                                                    There are only so many ways to save money. Instead of clipping another coupon or making sacrifices for your morning coffee, find ways to earn more money!

                                                                    Think about it…it is much easier to find ways to earn an extra $1,000 per month than find $1,000 to cut from your budget.

                                                                    Here are some examples of ways to earn more money:

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                                                                    Talk to Your Boss

                                                                    Have a conversation with your boss about current salary and/or commission rates. If you’re not satisfied or want a change, don’t be afraid to look around at other positions. Some of them might even have a student loan debt reimbursement plan!

                                                                    Start a Side Hustle

                                                                    This could be coaching students on the weekends, driving for Uber, or taking paid online surveys. There are tons of ways to make money outside your 9-5. Now that you have a clear plan to pay off your debts, you’ll be more motivated than ever to figure out creative new ways to earn money.

                                                                    Build an Online Business

                                                                    There are so many websites and blogs that earn money from ads, affiliates, and other online products. Find your niche and get started.

                                                                    3. Celebrate Your Wins

                                                                    As you progress in your debt payoff journey, don’t forget to celebrate your wins. You need to always reward yourself for the hard work and discipline that is required to get out of debt.

                                                                    While you shouldn’t celebrate so big that it increases debt, make sure to factor in little rewards to keep you motivated.

                                                                    4. Set New Financial Goals

                                                                    Eventually, with a plan and these steps, you can rid yourself of your debt. Once you do, make sure to celebrate your monumental achievement, but don’t stop there.

                                                                    Now, you can focus on acquiring wealth and increasing your net worth. Set new financial goals so you have a new target to aim toward. Here’s how to set financial goals and actually meet them.

                                                                    These could be anything now that you are debt free! Think about where you want to travel, buying your first home, or saving for your future retirement. Just like before, make sure that your goals are specific, measurable, and achievable.

                                                                    Conclusion

                                                                    Congrats, you can now set a plan in motion to finally pay off your debt quickly (and hopefully forever)!

                                                                    Remember, if you want to get out of debt quickly, it’s not always easy. Just like any big goal, there will be sacrifices, challenges, and problems to overcome.

                                                                    More Tips on Getting out of Debt

                                                                    Featured photo credit: Pepi Stojanovski via unsplash.com

                                                                    Reference

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