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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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                                                            Emina Dedic

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                                                            Published on January 8, 2021

                                                            How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

                                                            How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

                                                            Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

                                                            The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

                                                            Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

                                                            What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

                                                            Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

                                                            1. Pay More Than the Minimum Credit Card Payments

                                                            Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

                                                            Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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                                                            You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

                                                            The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

                                                            2. Start With High-Interest Credit Card Debt

                                                            If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

                                                            First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

                                                            At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

                                                            3. Revisit Your Budget

                                                            Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

                                                            You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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                                                            Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

                                                            If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

                                                            4. Avoid Using Your Credit Cards

                                                            Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

                                                            The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

                                                            It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

                                                            5. Start a Side Hustle to Boost Your Income

                                                            You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

                                                            If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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                                                            Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

                                                            It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

                                                            6. Sell Your Used Items for Extra Cash

                                                            Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

                                                            A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

                                                            Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

                                                            When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

                                                            7. Know When to Seek Help With Your Debt

                                                            Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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                                                            There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

                                                            In extreme cases, the debt solution can be:

                                                            • Debt relief – where your debt is partially or wholly forgiven
                                                            • Debt consolidation – taking out one loan to repay others
                                                            • Debt settlement – the creditor forgives a significant portion of your debt
                                                            • Bankruptcy – legal process for seeking relief from some or all your debts

                                                            It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

                                                            Wrapping It Up

                                                            Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

                                                            So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

                                                            More Tips on How to Pay Off Debt

                                                            Featured photo credit: rupixen.com via unsplash.com

                                                            Reference

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