Tag Archives: saving

My Beauty Hoard

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My Beauty Hoard

Hey! When it comes to most of my material pleasures in life, I am lucky enough to have a lot of them. A beautiful collection of shoes, clothing, and accessories help to turn me into the fashionista by day so that I can delve into my pajama collection at night. And, when it comes to beauty products, a collector I am, as well.

I have always been a firm believer in buying in bulk and having the products on hand when I need more, rather than running to the store every month to reup. I am also a firm believer in the power of coupons, freebies, and treasuring gifts from friends, which also helps add to my collection seen below:

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Now, that may look like a lot of stuff – but what if I told you that about fifty percent of the above products were free? Check it out:

  • The three cleansers in the front: FREE
  • Every single mini lotion or shower gel: FREE
  • The three shower gels from The Body Shop: FREE
  • Two mini body butters: FREE
  • Charcoal mask from The Body Shop: FREE

Meanwhile, the other products were all bought on the cheap. For example:

  • The seven perfumes from Bath & Body Works were purchased for about twenty dollars all together.
  • The body butters and skin care were all bought at TJMaxx prices
  • And the remaining shower gels were all bought with coupons.

So, where did all of the free swag come from? The three cleansers and some of the mini lotions are compliments of Walgreen’s freebie bags that I received when purchasing my hair dye. I always wait to restock my boxed color until I get an email saying that Walgreen’s is running their freebie bag promotion with a certain amount of money purchased so that I can score some free goodies while buying a necessity.

All of the Bath & Body Works minis are thanks to the free travel sized coupons that I get from B&BW. Right now I have over sixty dollars worth of free product from there in my hoard and I always have them handy for gift giving occasions. And, the rest of my free products were gifts that I use frugally so that I don’t have to buy more of my favorites until I absolutely have to!

The rest of my hoard was all purchased with the help of coupons or the amazingly low prices of TJMaxx. Very rarely do I purchase anything at full price anymore – and why would I?! With the power of apps, reward programs, coupons, and sale promotions, it’s simple to save and create a collection of your own.

Who else has a beauty care hoard at home? How do you score the best freebies and deals? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

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Freebie Alert!

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Freebie Alert!

Hi! To those of you who love coffee, free things, and free coffee – I have a Freebie Alert for you! If you sign up for the rewards program through Dunkin’ Donuts, I believe it’s called Dunkin’ At Home, they will send you some free samples of their make at home Cold Brew Coffee Packs. They will be shipping the samples out while supplies last until May 17th. This is the email address that sent me the notification: updates@e.dunkinathome.com

I have received coffee samples in the mail from Dunkin’ before, and they are definitely not stingy with what they send you! I am so excited to get my Cold Brew Coffee Packs samples in the mail, because I am a huge iced coffee fan. 😀 Can’t wait!

What is your favorite coffee chain? How do you drink your coffee? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Tiny Target Haul

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Tiny Target Haul

Heyyyy! This past week, Target was having a wonderful promotion where you got a five dollar gift card if you bought twenty dollars in self care products including makeup, shaving, skin, hair, and oral care. My mom and I decided to split the lot since she needed to restock on tooth paste and mouth wash and I wound up with these new skin care products:

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Although makeup shopping is fun, I live for skin care and trying out new products. I love the St. Ives scrubs more than life itself, and when I saw their newest Coconut & Coffee scrub, I was eager to give it a try. It smells amazing and, according to the container, it offers a deep clean which is exactly what I want when I use a facial scrub. I cannot wait to use this once I finish up the cleansing products that I’m currently using – but, I’m so excited that I might have to try it now!

I also ended up with a bottle of Garnier’s Micellar Cleansing Water, which came with a mini foaming gel cleanser for free. I am finishing up a bottle of Simple’s cleansing water at the moment and I’m not too impressed by it, but my sister loves the Garnier Micellar Water so I decided to go for it. It definitely didn’t hurt that they offered a freebie along with it, either! Regardless of not being blown away by micellar water in general, it’s a lot cheaper than eye makeup remover, so I’m a fan in that regard, for sure.

Has anyone used either of the products above that I purchased? What are your thoughts on them? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Frugal Flowers

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Frugal Flowers

Hi everyone! One of the things that both my parents and myself love having around the house is fresh flowers. Whether they’re picked from our yard or selected at a farmer’s market or store, there is nothing like a huge bouquet sitting on the kitchen table to make you smile.

We never look to spend too much on satisfying our flower fascination, and my mom seriously took the cake with the last bouquet that she bought when it comes to saving money. She got four bunches of the flowers seen below for ONE DOLLAR at the store. You definitely can’t beat that!

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When it comes to the little odds and ends that make you smile, I always say:

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Whether it’s a dollar bouquet of flowers or that new color of lipstick that you’ve been dying for, a little pick me up certainly goes a long way!

How do you like to treat yoself? What is your favorite flower? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Learn To Live For Today And Plan For Tomorrow

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Learn To Live For Today And Plan For Tomorrow

We all walk a fine line with our finances. We don’t want to spend our time doing nothing, we want to enjoy ourselves and experience life’s little luxuries from trips away to fun purchases. If you constantly favor saving over spending, you’re going to have a pretty boring life. At the same time, though, we have to prepare for tomorrow. We need to think about making sure that we are going to be financially secure ten days, ten months, or even ten years from now.

It seems that we are under constant pressure to plan for tomorrow. Just look at the housing market. As soon as you hit your twenties, there will be people around you, telling you to buy a home. A home gives you some form of financial security sure, but it also ties down your finances. Now, for years, you’ll need to fit in mortgage repayments into your budget. These can be incredibly expensive and will make paying for those luxuries that you love just that little bit harder. As such, it might be wise to not buy a home until you have the income where you can easily cover this cost and still live a full life. Or, simply prepare to accept the fact that, at least for a short time, you won’t be able to afford those fancy trips or that new car. You can learn more about whether you can afford to buy property on www.cnbc.com.

The lesson here, is that it’s a balancing act. It’s about balancing what you need with what you want. It’s about balancing what you must spend with what you’d love to purchase. It’s about planning for the future while still enjoying the present so that one day you’ll be able to look back at the past with no regrets. So, let’s explore some of the ways you can do this, and we can start by thinking about budgeting:

How Should You Budget?

Budgeting is actually easier than a lot of people realize. You need to start by working out exactly what you make per month. This is the total amount you have to play with, and it should include all of your incomes. So, if you have a side hustle, make sure that this is counted. Unless you would rather see that as extra money.

Then, subtract all of the costs that you are aware of. This includes bills, rent, mortgage repayments as well as an average food cost. So, you might budget fifty a week or more for food. Now, the amount you have left should be halved. Half of this must go into savings. Set yourself a goal to save each month and put this as a direct debit on your account. Just like a tax, it will leave your account at the end of each month. This cuts out the choice of hanging onto it and spending it. Congratulations, you’ve just made a smart choice on how to prepare for your future.

The other money you can spend however you like. Put it towards your holiday, use it for presents or nights out. It’s your choice, but you have to remember that this is all you have to spend. Now immediately, you might notice a problem. There isn’t actually that much to spend is there?

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Budgeting is key!

Play With The Numbers:

This is where you need to start cutting costs on things that you need so you can afford things you want. An example of this would be something like energy bills. We all have to pay energy bills, but they should be more manageable if you can go a little more green. Make changes to your home to save energy, and you’ll have a little extra to spend each month. It won’t be much, but it will make a difference. Since you have already set a target, add that to your spending budget for now.

You can also think about boosting your income. What you’re looking for here is a passive income. There’s no point in taking on a second income to enjoy your spare time if you’re going to end up with no time to spare. There are various options for passive incomes from the stock market to property. Research a few and find out which one will benefit you and suit you the most. If you’re good with numbers, you might want to consider forex trading, which is basically investing in the value of different currencies. By predicting patterns, you can make a fortune in this market without even trying.

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Flickr Image

Preparing For Disaster:

Of course, your budget is based on your income. Any hit to your income will kill both your spending budget and your savings. Worse still, it might mean that you have to use your savings to cover expenses that you can no longer afford. You can see how this would be an issue. Suddenly, you don’t have any money in your account for the future. This is where great budgeting advice that is found on www.lifehacker.com comes in handy. But how do you handle this situation?

You have to prepare for any disaster that can be foreseen. You’re probably thinking, wait a minute – unexpected costs can’t be foreseen. That’s why they’re unexpected. It’s not true. You might not expect to develop a disability, but you can forsee that it’s a possibility so you should plan for it. Anyone could develop a disability. You might be involved in a car accident, you could fall at work, or it may even develop due to biological causes. Since it could happen, you should plan for it. According to www.insurestat.com, doctors should definitely do this because anyone working in the medical field who develops a disability will probably be unable to work. As such, they should protect their income. You can protect your income with disability insurance and guarantee that you are always on roughly the same level of pay. Regardless of whether you can work or not.

This isn’t the only disaster you need to prepare for. You have to consider the worst-case scenarios that could impact your finances. Medical bills, for instance, are one of the greatest causes of debt in the USA today. You can plan for this by buying into the right health coverage plan that provides everything you might need.

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Insurance is a must.

Don’t Always Wait For Tomorrow:

Tomorrow doesn’t always come. Or rather, you can miss too many tomorrow’s and before you know it you’ve run out of time to do what you want. This may sound morbid, but you could die tomorrow. So, you might constantly be putting off that holiday to a point where you can easily afford it and when you’ll still have savings. But what if that day never comes? Most people do live their lives on an average, basic income. They never reach that 100K a year paycheck, and yes you can wait until retirement and use your 401K. But, after you’ve retired, you might not have the energy or the health to do everything you wanted. Don’t let life pass you by while you wait around for the right moment to do something.

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 #justdoit

Live For What You Love:

Finally, you need to make sure that you’re not spending your hard earned money on things that you don’t want and that you don’t need. This happens all of the time. We’ve already mentioned one example, and that’s property. Buying a home can be right for some people. But, if you are still moving around and haven’t settled, it’s just a waste of money and adds plenty of stress to your life that you don’t need. Instead, you should continue to rent. While it might be dead money, it can be far cheaper than purchasing a home that you may never pay off.

Ultimately, you have to live your life in a way that makes sense for you and financial purchases should be part of that decision. Some people spend their whole life traveling around the world, work by freelancing, and never once think about settling down into a comfortable routine. This site, www.justonewayticket.com, has some great advice on spending your life traveling. Could this be the lifestyle of your dreams? Perhaps! And as long as you have a plan for tomorrow, you can live however you want to today.

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#goals

Featured Image By: Maxpixel

Tiny Little Haul

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Tiny Little Haul

Hii everyone and TGIF! When it comes to purchasing makeup, I am pretty frugal and try to stick to drugstore brands only. But, that’s a different story when it comes to mascara! I am obsessed with Too Faced’s Better Than Sex mascara and consider it a staple item for when I’m painting my face.

Trust and believe that if there were a drugstore dupe of Better Than Sex, I’d buy it in bulk. But, it was getting to the point that I was mixing at least three different mascaras to get the lashes that I wanted and, even then, they still weren’t as big and bold as I would like. To save myself the concocting catastrophe, I now only buy Better Than Sex and I’m not even mad about it, because my lashes always look amazing. In fact – I usually buy two at a time!

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Not only am I, for the most part, frugal about my makeup purchases, but I am kind of a cheapskate when it comes to my nails, as well. I normally wait for over a month to get my nails filled and I rhinestone them myself, because I will be a monkey’s uncle if I pay five bucks per nail for some bling!

After restocking my mascara, I had to re-up my rhinestone stash, too, especially considering that I spilled the remains of my near empty bag during my last fill. It costs me a little less than four dollars per bag, and I am able to save at least ten dollars per fill by rhinestoning my nails myself. You can’t beat that!

There is no shame in splurging for things like acrylics or a high end makeup brand. But, it sure makes me feel better about it by cutting the costs on other things with DIY bling or clipping coupons for my drugstore dupes!

What do you splurge on when it comes to beauty products? How do you save money when restocking your makeup must haves? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Itty Bitty Beauty Haul

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Itty Bitty Beauty Haul

Hiii everyone and happy weekend! I was running low on a few of my beauty staples, so I decided to visit TJMaxx (Of course.) this week so that I could restock. TJ’s offers a wide variety of skin care, makeup, and bath and body care goodies, all for a fraction of the original price. I ended up with a new black eyeliner and a charcoal beauty bar for a whole eight bucks. Take a look:

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Normally, I use CoverGirl’s eyeliner that looks exactly like the one that I got by L’oreal. And normally, I pay around seven dollars for it. Being able to get essentially the same product by a different brand for over three dollars cheaper was a sweet deal. Plus, it takes me at least three or more months to finish an eye pencil in its entirety. This gives me a cost per month of a dollar and change – and I can definitely swing that.

I do have to say, I was a bit disappointed that the past two times that I was at TJ’s, they didn’t have my usual Destiny Boutique charcoal bar that I love so very, very much. So, I had to compromise with the PlantLife bar, instead. Charcoal is charcoal, and it worked the same as the Destiny Boutique bar. It was also about two dollars cheaper. Not bad for a bar that should last me around five months!

Balling on a budget means making compromises. Although it’s nice to use my favorite brands and staple items, I was able to save five bucks by switching things up a bit. Cha-ching!

How do you cut down the cost of your favorite beauty items? Where do you score the best deals on your self care staples? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah