cheap makeup

(Sorry guys, this post isn’t likely to be directly useful to you, but you can share these tips with the girls in your life and look really knowledgeable and respectful about girlie things.)

Makeup is one of those items that I have a love/hate relationship with. I love trying new colors, dolling up my best friend’s teenage daughter for prom, and goofing around with the girls for a spa night at home.

Now, don’t get me wrong, I can go weeks without wearing makeup and be perfectly happy; it’s not essential to my life. But it’s fun to be creative and play with color combinations and application techniques.

Makeup also holds great potential for a shopping addiction. Before I had kids (when I had considerably more spending money), I used to shop for makeup on a regular basis. I stopped shopping at the drugstore and began venturing into the department store’s line of more pricey products. The products were nice, but the price tag was outrageous. When my kids came along, I simply couldn’t afford to keep up. I learned how to make what I had last longer and how to spend significantly less on my makeup.

Here are eight of my top tips for saving money on makeup:
[ continue reading… ]

retirement

Sometimes, it seems as though personal finance advice is all about what you should have done. But we’re all able to easily identify the mistakes we’ve made in the past. The important advice is what you should do to correct those old mistakes. Shoulda coulda woulda is singularly unhelpful in those situations.

This is particularly true when it comes to retirement savings. If you’ve already received your AARP card and still have not started putting money aside for your retirement, those charts showing how much compound interest will earn you if you start saving in your 20s are depressing at best.

But workers in that situation can’t afford to wallow in their “if only!” feelings, even though they might want to. Instead, they need to make a plan for the next 15 to 20 years:
[ continue reading… ]

facebook groups
Recently I joined a Facebook Group called Buy Nothing. At first, I thought maybe it was a type of bartering platform or re-sell market like Offer Up. Maybe it even had something to do with Buy Nothing Day, Buy Nothing Month, or No Spend November. But, as I read more, I realized the group wasn’t about any of these.

The Buy Nothing Project (buynothingproject.org) was started in 2013 by a few ladies from Washington state who wanted to help people reduce their consumption of new merchandise and lengthen the life of used goods already out there—and might otherwise end up in landfills. While this concept is shared by groups like The Freecycle Network and the free section on Craigslist, Buy Nothing groups center them around the local neighborhood.

Members of Buy Nothing groups are invited to both request and gift, lend or share items, services, time or help: selling or bartering are strictly forbidden. The possibilities are endless, and so are the advantages for those who participate.

Here are four reasons to consider joining a “Buy Nothing” Facebook Group.
[ continue reading… ]

enjoy life on a budget

If you feel you need to have a lot of money to really enjoy life, I am afraid you are sadly mistaken.

The greatest things in life are those worthwhile experiences and subtle occurrences that sometimes most individuals simply take for granted. While Madison avenue may think that having expensive “stuff” and the like are what lead to happiness, below are some ways you can still enjoy yourself without spending a fortune.
[ continue reading… ]

email phishing scam
I’ve written about how to avoid falling for a phishing scam, but it turns out I need to pay closer attention to my own advice. I’m placing partial blame on being half awake and not yet caffeinated, but a few weeks ago I opened and almost responded to what I later discovered to be an email phishing scam.

Here’s the embarrassing, yet eye-opening story and what I’ve taken away from it.

[ continue reading… ]

stressful job

Every job comes with a degree of stress. And, what may be stressful to one person may not be stressful to another.

Only you can really determine whether or not you find your current job stressful. However, there are some considerations to take into account as you evaluate your job and whether or not it is worth the stress.

CareerCast.com recently released a jobs report that included the most stressful jobs. In order to rate these jobs, CareerCast.com looked at 11 stress factors. These factors include:
[ continue reading… ]