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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 August 20, 2019

                                                            How to Set Financial Goals and Actually Meet Them

                                                            How to Set Financial Goals and Actually Meet Them

                                                            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. And 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 on how to set financial goals and then actually meet them with ease.

                                                            5 Steps to Set Financial Goals

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

                                                            1. Be Clear About the Objectives

                                                            Any goal (let alone financial) 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 is for. It could be anything like kid’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, however small they may be, that you foresee in the future and put a value to it.

                                                            2. Keep Them 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 out of the line will definitely hurt your chances of achieving them.

                                                            It’s important that you keep your goals realistic in nature for 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”. And this quote sums up the best what inflation could do your financial goals.

                                                            Therefore account for inflation whenever you are putting a monetary value to a financial objective that is far away in the future.

                                                            For example, if one of your financial goal is your son’s college education, which is 15 years hence, then inflation would increase the monetary burden by more than 50% if inflation is mere 3%. So always account for inflation.

                                                            4. Short Term vs Long Term

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

                                                            As a rule of thumb, any financial goal, which is due in next 3 years should be termed as 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.

                                                            More on this later when we talk about how to achieve financial goals.

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                                                            5. To Each to His Own

                                                            The journey of setting financial goals is an individualistic affair i.e. your goals are your own goals and are determined by your want to achieve them. A lot of times we get on the bandwagon of goal setting only to realize later on that it was not meant for us.

                                                            It is important that your goals are actually your goals and not inspired by someone else. Take a hard look at this step at all the goals you’ve set for after this step, you will be on the way to achieve them.

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

                                                            11 Ways to Achieve Your Financial Goals

                                                            Whenever we talk about chasing any financial goal, it is usually a 2 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. So let’s get down to ensuring healthy savings.

                                                            Ensuring Healthy Savings

                                                            Self realization is the best form of realisation 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 monthly expenses. Use any of the expense tracking mobile apps to record your expenses. Once you start doing it diligently, you would be surprised to see how small expenses add up to a sizeable amount.

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

                                                            2. Pay Yourself First

                                                            Generally, savings come after all the expenses have been taken care of. This is a classical mistake which almost everyone of us do. We pay ourselves last!

                                                            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 then manage all the expenses from the rest.

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

                                                            Taking the automatic route will make us lose control of our money and hence will compel us to manage in what’s left with us thereby increasing the savings rate.

                                                            3. Make a Plan and Vow to Stick with It

                                                            Budgeting is the best to get around the uncertainty that financial plans always pose. Decide in advance how spending has to be made.

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                                                            Nowadays, several money management apps and wallets can help you do this automatically. It’s easy and who knows, you may just end up doing what people fail to do.

                                                            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. Rise Again Even If You Fall

                                                            Let’s be realistic. It’s not like the world will come to an end if you made one mistake. This isn’t called leniency but discipline.

                                                            If you fail to meet your budget for a month, don’t give up the entire effort just like that. Instead, start again.

                                                            Remember that flexible plans are the most realistic plans. So go forward and try to follow your financial goals as planned but if for some reason, the plan gets out of hand for you, do not give up on it just yet. This has a lot to do with your psychology rather than any material commitment.

                                                            All you have to do is to stay on the road and vow to stay on it, no matter how much you fall down.

                                                            5. 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 counter intuitive to many but there are some deft ways of doing it. For example:

                                                            Always eat out (if at all) during weekdays rather than weekends. Usually weekends are expensive. Make it a habit and you would in turn be saving a great deal.

                                                            If you are travelling buff, try to travel during off season. Your outlay will be much less.

                                                            If you go out for shopping, always look out for coupons and see where can you get the best deal.

                                                            So 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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                                                            6. 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. And it would be rather easy to lose the grip over your discipline.

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

                                                            7. Maintain a Journal

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

                                                            So 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.

                                                            Use this journal to write down all essential points such as your short term, mid term and long term goals, your current sources of income, your regular expenses which you are aware of and any committed expenses which are of recurring nature.

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

                                                            At this point, you should be ready with your financial goals and would be doing brilliantly with savings; now it’s time to talk about the big daddy – Investments.

                                                            Making Smart Investments

                                                            Savings by themselves don’t take anyone too far. However savings when invested wisely can do wonders and we are at that stage where we will talk about making smart investments.

                                                            8. Consult a Financial Advisor

                                                            Investments doesn’t come naturally to most of us therefore rather than dabbling with it ourselves, it is 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.

                                                            9. Choose Your Investment Instrument Wisely

                                                            Though your financial advisor will suggest the best investment instruments, it doesn’t hurt to know a bit about them.

                                                            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.

                                                            Do you remember we talked about bifurcating financial goals in short term and long term?

                                                            It is here where that classification will help.

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                                                            So 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 as compared to equity instruments.

                                                            10. 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.

                                                            So make friends with this wonder kid. And sooner you become friends with it, quicker you will reach closer to your financial goals.

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

                                                            11. 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; taking stock of how our investments are doing.

                                                            If there is one single step where everything (so far) can go wrong, it is at this step – Measuring the Progress.

                                                            If we don’t measure the progress timely, then we would be shooting in the dark. We wouldn’t know if our saving rate is appropriate or not; whether financial advisor is doing a decent job; whether we are moving closer to our target or not.

                                                            Do 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

                                                            This completes the list of tips for you to set financial goals and actually achieve them with not so great difficulty.

                                                            As you can see, all it requires is discipline. But guess that’s the most difficult part!

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