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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 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

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