Do You Really Have To Spend A Fortune On Makeup?

In recent years there has been a phenomenal shift in the makeup industry. What was once a dull scene dominated by a specific few drugstore brands is now a multi-million dollar industry, with everyone from Kylie Jenner to Kat Von D bringing out their own mascaras and lip kits. So, what exactly has changed? The most obvious argument is the landslide of makeup-related social media that is thrust in our faces on a daily basis. Ten years ago, we were all buying makeup, but none of us had any clue how to actually use it. Today, however, we can simply log onto YouTube, and a whole array of makeup tutorials and reviews are right at our fingertips. This rise of makeup bloggers and vloggers is typically what has caused the expansion of the industry, as picture-perfect makeup is something that becomes achievable for all of us. But all this availability comes at a cost – makeup is no longer the cheap asset it once was. With a good quality mascara now setting you back up to $18, it is clear that in order to get hold of the very best, you need to put aside a fair amount of money. Or do you? Take a look at these tips for getting the Instagram-worthy makeup look for a fraction of the price.


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Use less

Want the makeup you invest in to stretch further? There’s nothing more disheartening than forking out on an expensive foundation, for example, only to find that the whole bottle is empty in a month. A 100ml bottle of liquid foundation should last you a number of months at least, so if you’re going through it that quickly it may be a sign that you are doing something wrong! Pay attention to how much you actually put on your face – if you’re caking it on, try and use less. Plus, less can often be more, and you will look much more natural as a result.

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The Financial Case For Downsizing Your Home

Downsizing is never easy. No matter how you cut it, you’re going to have to say “sayonara” to some of your stuff if you want the move to be a success. The problem is that saying goodbye to your treasured possessions is easier said than done.

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But despite the problems with downsizing, it’s something that has become increasingly popular over the last few years. It’s not just about there being less money in people’s pockets. It’s also got a lot to do with people’s desire to be financially independent, be closer to work and have less impact on the environment.

 

Regardless of how you’re downsizing, here’s how to do it and save money at the same time.

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The University Of Life: A Graduate’s Guide To Post-Degree Financial Survival

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They told you that studying hard to get a degree would open up a world of riches, but you’ve now realized that the real world is a lot tougher than you imagined. The dream you was sold wasn’t an honest reflection of reality. The general economic situation, along with the volume of graduates, makes it very difficult to walk into that well-paid career.

 

If you’ve found yourself at the bottom of the ladder or in another role altogether, then you are not alone. Unfortunately, you cannot afford to feel sorry for yourself. You should still continue to apply for the positions you want. In the meantime, though, you need to think about your immediate and future finances.

 

There’s no point in sugarcoating things, and this could be a very difficult moment in your life. Here’s what you can do to keep your head afloat.

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Fill The Money Pit Under Your Home

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You probably don’t realize this, but there’s a massive pit underneath your home. It’s where all your money disappears too in home bills, insurance, energy costs, and upgrades. You might think that your home is quite cheap to run, but it will almost certainly be costing a lot more than you realize. Luckily, there are ways to handle these costs and in doing so fill in that expensive pit. We can start by thinking about those pesky energy bills.

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A Foolproof Guide To Saving Money On Your Broadband

For many of us, our broadband bill is a real balance drainer. It costs a lot every month, but it’s an expense we have to live with. In this piece, you can feast your eyes on three easy tips that will help you save loads of money on your broadband in the future. Give them a read if you want to start saving:

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Pay For What You Need

These days, loads of people get caught up needing the fastest internet ever, complete with unlimited download limits. Normally, this means having to pay for the top package, which costs a lot of money. But, you can save loads of cash by looking at things from the perspective of your home. How much broadband does your home actually use? If you live alone or with a partner, then you won’t use as much data as a family of four. As such, the need for fast broadband won’t be as severe. You can get away with a mid-range package, and everything will be fine. If you don’t use the internet for video streaming or other things that require lots of data to be downloaded, then you really don’t need the best packages around. It makes sense to assess your usage, and pay for what you need. This way, you don’t waste money, and you get cheaper broadband. But, even if you do need to pay for the most expensive package, at least you know you’re getting your money’s worth. The last thing you should do is spend big on a top package and not get much usage out of it. [Read more…]

Save Now, Spend Later: How To Look After Your Cash

Are you a big spender?

If you are, it’s hard to stop buying. Buying gives us rewarding feelings, and you can’t stop it. You can’t resist the urge to use your money right there and then:

“If you’re a spender, you can’t delay the gratification. With cash in front of you, just like the marshmallow, you can’t resist the urge to have it right now even if you’d have more later. That’s why you don’t have much savings in the bank, but it doesn’t bother you. You’ve been happy making purchases and enjoying them in the moment. It’s worked out well enough for long enough, so you just stick with the habit. But if you’ve realized that you’re trending toward extreme spending, then you’re probably looking to kick or curb your habit.”

Buying on impulse is dangerous, and you won’t have much of a financial future if you keep wasting money. Spending and enjoying life is good, but if you can find ways to cut down, do so. Set some money aside and save. There are plenty of great ways to save money and the best time to start saving is right now!

If you need some advice, get rid of the credit cards if you are overspending, high-interest rates are a trap you’ll never get out of. Credit cards are useful tools, but if you do have issues with spending, you’ll find it easier to spend cash that doesn’t technically exist.

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When purchasing you should ask yourself some serious questions before you make the spend. Do you need the item? Can you actually afford it? Do you simply want it for short-term gain? You need to know the difference between what you want, and what you need. If it is something you need, like a new computer for work, shop around to get the best model for the best price.

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Top Advice Store Owners Don’t Want You To Know

When it comes to money, a lot of families end up in woe down to their shopping bills. After all, whether it’s clothes, foods, or gifts, it can leave them feeling the pinch. But there are some ways you can do your shopping without getting out of pocket. In fact, here is some top advice shop owners don’t want you to know.

Look on their websites first

When you need something from a store, it’s always good to look on their site first. After all, you can see the full range of products they have for sale. And sometimes it gives you the option to see if it’s available in your local store. But also, you need to check out the price they are offering online. After all, some places will put a slightly lower price on their website than in the store. But if you want the product quickly, you should tell them what you saw in the store. They will then have to match it if they want your custom. And it means you will save money on the item if you do your research before on sites like http://www.kiplinger.com/article/spending/T050-C000-S001-15-web-sites-for-finding-deals-online.html.

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Look into unused gift cards

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Tips for Being a Penny-Pinching Pro

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Penny-pinching is often used as a pejorative to describe the kinds of people who won’t part with a single penny even for a good cause, but true penny-pinching isn’t quite so mean. A real penny-pinching pro is someone who knows the value of money and how to make the most of the cash they have available to them by using a range of tips and tricks to pay less for the things they want.

 

Whether you want to save money to buy a new phone or car, or you want to amass enough money to put a down payment on a new home, penny-pinching can help you achieve your goals more quickly than you might have imagined possible.

 

Here are some top tips which will help you become a penny-pinching pro in no time at all: [Read more…]

Cobwebs In Your Purse? These Ideas Could Help You To Raise Funds This Year

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Nobody wants to spend 2017 without enough money in the bank. Getting by on next to nothing might be possible, but it certainly isn’t enjoyable. With that in mind, I wanted to release a post that shows people how to raise the capital they require. I’m going to make a couple of simple suggestions that could make all the difference. At the end of the day, sometimes you have to think outside of the box. For that reason, it makes sense to keep your eyes peeled for alternative solutions. However, for most people, the information on this page could help to turn their situations around.

 

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My Bank Account Is Empty. Now What?

Most of us have been in a situation where we have been dreading getting our bank statement through the post. We know that as soon as we open that envelope we will see that are bank balance is zero or is as close to zero as it is possible to get. The problem is that it isn’t just a financial matter: having an empty bank account can also make you feel overwhelmed and hopeless too.

 

Fortunately, there are many ways that you can save money and pull your bank account balance out of the red and into healthy territory. All it requires is a few changes to your habits, and you’ll be back on the road to recovery in no time.

 

Leave Your Credit Cards At Home

 

Credit card companies are ingenious in the ways that they entice us to spend more money. They do this so that we have to pay off large balances at the end of the month, netting them large interest payments in the process. Owning a credit card can be expensive, so the advice from MoneySavingExpert is to leave your credit card at home where you can’t use it. When you go shopping, only take the cash that you need and no more. If you can’t leave your credit cards at home, ask a friend to intervene by cutting them up. [Read more…]