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Makeup Addicts Should Never Miss These 30 Money-Saving Tips

Makeup Addicts Should Never Miss These 30 Money-Saving Tips

We have all heard the popular saying regarding diamonds being a girl’s best friend, but maybe people were misinformed. Makeup is a girl’s true best friend, and for good reason. No diamond can hide flaws, zits and lines and accentuate facial features, but cosmetics can! Just like diamonds, however, make up can be expensive. It doesn’t have to be, though, so makeup addicts, rejoice! Check out the money-saving tips below, so that you can enhance those already beautiful features you have, without breaking the bank!

1. Trust Google

If you want to shop online for makeup, always go to Google and type in the name of the place you are shopping at, plus the word ‘coupon’. You should never have to pay full price shopping online.

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    2.  eBay is your best friend

    Have a nice perfume that costs an arm and a leg to purchase? Go to eBay. You can even get unused testers for your favorite perfumes at discount prices, saving you some serious cash! eBay is also great for makeup because you can get bundles and kits for significant price discounts.

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      3. Remember that the average mascara has a shelf life of three months

      Once your mascara has expired, you don’t have to throw it away. Wash the tube and wand and use the wand as a eyebrow sculptor or fly away tamer.

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        4. Lipstick can be recycled

        A lot of lipstick often remains unused because it is stuck in the tube. You can recycle unused lipstick by remove the remaining contents and repackaging them. That way, you can choose to mix and match different colors of lipstick for a new shade, or make the most of what you have left. You can even turn them into lipgloss, by mixing the colors with petroleum jelly.

        5. Use lemon juice for cheap highlights

        If your

        highlights are looking dull, combine 1/2 of a spray bottle with lemon juice and the other half with water. Spray liberally before you go out in the sun. The lemon juice helps enhance the appearance of highlights, so no professional salon appointment necessary.Blond_woman_in_with_sunset_on_the_background

          6. Baby oil is also a makeup remover

          Baby oil helps remove leftover eye makeup. It works just as well as any make-up remover. Click here for more suggestions.

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            7. Get your free samples

            Go to Google and type in ‘free makeup samples’, or ‘free makeup’. Many companies and Web sites often advertise free samples. This is a great way to try a product before buying it in order to test the quality.

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              8.  Always compare and contrast the prices of your favorite products

              Sometimes the full size product is a better value than the travel size item, so always pay close attention to the sizes and prices.

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                9.  Don’t be afraid to dig through the bargain bin at your favorite pharmacies and grocery stores

                They tend to carry some great brand name and lesser known make up brands. Just because something is cheaper, doesn’t mean it’s lower in quality.

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                  10. Make your own lip scrub

                  Instead of buying your own sugar scrub for your lips at a much higher cost,  make your own! Just do a general search engine request for sugar lip exfoliating scrub recipe. You’ll find several!

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                    11. Check out the discount stores too

                    Discount stores carry all sorts of perfumes, lotions, cosmetics, and hair products from name brand to unknowns at very low cost. Don’t be afraid to stop by your local TJ Maxx, Marshalls, Big Lots and Ross stores to see what they have to offer.

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                      12. Get a loyalty card

                      Plenty of beauty stores now offer free shopping cards, where you can get points for your purchases. Those points you earn can be used toward buying more products at no additional costs. Definitely take advantage of them.Take a look at Sephora’s Beauty Insider Program!

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                        13. Baby powder can double as dry shampoo

                        Had a lot of fun last night but don’t have time to wash your hair? Grab some dry shampoo, spray it your hair, comb through, and go. It’s a great secret weapon for when you’re in an emergency! Time is money! Don’t have dry shampoo? Baby powder will do the trick!

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                          14. Clean up your nails without needing to go to a professional

                          Combine a few tablespoons of hydrogen peroxide with a few tablespoons on baking soda, and soak your fingers in the solution for a few minutes! Those nails will be looking pretty! Here are even more ideas!

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                            15. Say ‘yes’ to local cosmetology schools

                            Need a haircut? Cosmetology students are always looking for new models to practice their skills on, and that can mean a free makeover for you too!

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                              16. Eyeshadow palettes are fantastic to experiment with new looks

                              They are also great for some double duty work! Palettes can double as brow filler, eyeliner, and even a highlighter.

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                                17. Invest in quality brushes

                                Make the investment once. Quality brushes should last you close to a lifetime.

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                                  18. Purchase products that can multitask

                                  Buy eyeshadow that can double as a liner or a brow filler. Buy lipstick that can double as a nice blush. Always keep in mind all of the various uses one product can give you.

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                                    19. A great make-up remover at the end of the day is Vaseline

                                    It works on the whole face and also moisturizes. Not to mention the ease it will have on your purse strings.

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                                      20. Avoid impulse makeup purchases

                                      Have the mindset of ‘what do I really need’ and ‘what do I regularly use to help factor in what to purchase’. This will help you avoid impulse purchases. You can also bring along a friend with you when you go shopping to have them help keep you in check with your purchases.

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                                        21. Have a make up budget, and stick to it

                                        As stated before, impulse makeup purchases can add up.

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                                          22. Figure out if less can be more

                                          See if potentially using less of a product will still give you the same results. If so, try to continuously use less in order to save more.

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                                            23. Look into making more of your own products

                                            Facial masks, hair treatments, and much more can all be treated with at-home DIY substitutions. The great thing is many of these things can be created with routine things found around the house. Here are some ideas!

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                                              24. There is more than one use for your conditioner

                                              Your hair conditioner can double as a shaving cream. It will leave your legs feeling silky and smooth.

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                                                25. Use the most of any product you buy

                                                Be sure to squeeze all you can out of the bottles you do purchase, so that you’re not throwing out product you could have used.

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                                                  26.  Color your hair at home

                                                  Save yourself a lot of money by dyeing your hair at home. Boxed hair color kits are great, especially for root touch-ups.

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                                                    27. DIY your exfoliator

                                                    Mix brown sugar and honey to create a nice face or body exfoliator. Check out how here!

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                                                      28. Recycle your old lipstick and eye shadow containers

                                                      Companies like MAC will mail you a new lipstick, just for recycling. Pucker up!

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                                                        29. Buy in bulk, if you can

                                                        Try to buy a full year’s worth of shampoo, mascara, lipstick, etc. when possible, so that you won’t have to waste money on gas, time, or more money buying as you go.

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                                                          30.  Attempt to combine coupons with sales wherever you go

                                                          It will save you a lot of money and time to look for the sales to go along with your coupons. If you try a product but don’t like it, take it back for a refund.

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                                                            Featured photo credit: By O Boticário SPFW [CC BY 2.0 (http://creativecommons.org/licenses/by/2.0)], via Wikimedia Commons via commons.wikimedia.org

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                                                            Last Updated on January 2, 2019

                                                            How Personal Finance Software Helps You Get More Out of Your Money

                                                            How Personal Finance Software Helps You Get More Out of Your Money

                                                            Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

                                                            Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

                                                            Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

                                                            This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

                                                            Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

                                                            What Exactly is Personal Finance Software?

                                                            Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

                                                            When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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                                                            How It Leads to Financial Improvement

                                                            It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

                                                            Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

                                                            Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

                                                            It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

                                                            Types of Personal Finance Software

                                                            When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

                                                            Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

                                                            For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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                                                            Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

                                                            When to Use Personal Finance Software

                                                            So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

                                                            Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

                                                            1. You Have Multiple Accounts

                                                            There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

                                                            If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

                                                            Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

                                                            2. You Want to Automate Some or All of Your Payments

                                                            Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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                                                            There’s no need to log into every account you have and type in your routing number either.

                                                            With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

                                                            3. You Need to Streamline Your Budget

                                                            Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

                                                            Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

                                                            Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

                                                            4. You Have Specific Goals to Meet

                                                            Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

                                                            You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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                                                            How to Get Started

                                                            From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

                                                            Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

                                                            It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

                                                            When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

                                                            Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

                                                            Final Thoughts

                                                            Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

                                                            In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

                                                            Featured photo credit: rawpixel via unsplash.com

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