Being in debt can be stressful, I know, I have been there and done that. No matter what your circumstance is, if you signed for a loan, you are obligated to pay it back even if you have a life altering experience like losing a job, getting into an accident, or even if you have increased expenses due to having a child.
Sometimes debt can just be an unintended consequence of too much holiday spending — or overspending any time of year. Many people try to get out of debt, but life slaps them in the face so hard that they give up. But that doesn’t have to be the case. There are so many people who are getting out of debt every single day, and not only that, but they are getting out of debt in a short period of time.
So if you’re ready to get on a path to financial freedom, it’s important to have a plan for how you’re going to tackle that debt! Follow these 10 steps to getting out of debt, and you will be free in no time.
Happy Friday! We made it through another work week! Now, I am not a beauty blogger, however, I am the beauty and fashion editor for the WOW! magazine. Over the years, I have learned a few tricks to keep me looking my best without breaking the bank. Besides, why pay for something that I can do myself. One of my favorite tricks is a do-it-yourself salon quality manicure. No, I am not talking about just polishing your nails. I am talking about looking like you went to the nail salon and got a full set!
On average, a full set costs at least $20-$25 without a design. Add in $3 per nail for designs and it can become pretty pricey. With this solution, you spend at the most $10. Are you ready for it? Okay, here you go: taaaa daaaa press-on nails. I can remember being a child and hearing the Lee press on nail commercials and when I started my frugal journey, I decided to always do my own nails.
Most of the time, I do a simple home manicure with polish and designs myself, but there are times when I want to glam it up a bit. When those times occur, I turn to my trusty press on nails. My favorite ones to use are by Nailene, Impress, Fingrs and Kiss. In today’s post, I will be using Fingrs (yes, that is how they spell it).
Step 1. Gather Your Supplies
Gather all of your supplies. Nothing makes me madder than sitting down to do my nails and I don’t have everything I need right there. I still perform a manicure and shape my nails before I put on the press
Step 2. Clean your nails
Make sure that your nails are free from all oils. I use pure acetone to do this and then I wash my hands. You want your nails to be as dry as possible. That just helps the glue stick and stay longer.These press-on nails come either with glue tabs or glue already on the nail, but for extra hold, I use Kiss paint on glue. Hey, I am a busy woman and I don’t have time to lose a nail. With the extra glue. I am able to wash dishes and do other housework that may otherwise soften the glue.
Step 3 & 4. Paint and press
Last but not least, paint and press! In about twenty minutes or less, I have salon quality nails without salon quality prices! These nail packs come with at least 24 nails and that is enough for two applications. I have found that if you take care of them you can usually wear them again once you take them off, therefore decreasing the price. One pack usually lasts me, at least, a month so that makes them anywhere from $2.50 to $5.00 a pack, depending on what brand you purchase.
Now you are ready to flaunt your do-it-yourself salon manicure!
You do the math, $5.00 -$8.00 a month do-it-yourself versus $40-$50 a month for the salon. That extra money can come in handy for paying off debt, saving for retirement or stashing away for your emergency fund.
There are so many lengths, shapes, and designs to choose from, you will never become bored with them.
This is not the only trick I have up my frugal beauty sleeve, stay tuned for more. In the meantime, comment below and tell me your favorite do-it-yourself beauty trick.
Ahhhh the day for lovers. It is leap year sooooo, we as women are expected to give the men a gift. Well I have been married for 22 year’s so every year is leap year. Over the years, Big Daddy and I, have learned a few way’s to save on Valentines Day gifts, without sacrificing quality. In todays frugal Friday post, I will share 10 way’s that we save.
1. DIY gifts
Instead of buying a super expensive piece of jewelry or something equally as wallet-busting, give a unique and personal token of your love. It can be a poem or a paint-it-yourself ceramic bowl, maybe a photo collage or short video you compiled of the two of you. Whatever you choose to design, your Valentine will love the ingenuity and thought you put forth into them.
If you don’t know about Groupon you are missing an opportunity to save money on the activities and restaurants you already love and to be introduced to new haunts at a price you can’t refuse. If you’re like me you have an endless supply of Groupon and Living Social deals that you haven’t cashed in yet so now’s the time to take your deals to the bank. Even if they are expired you don’t use the value paid to that merchant so you can still credit that Groupon towards your Valentine’s Date and since it’s all handled digitally, your lover never has to know that their romantic date was done on a discount.
3. Skip the roses
Almost 200 million roses are produced for Valentine’s Day alone. It is also no secret that the price of roses, like most things, are dictated by supply and demand. There are a finite number of roses, and there is a higher demand for those roses especially around Valentine’s Day. There are so many factors that go into the price of roses all the way from the grower to the wholesaler and then finally to your local florist shop. The price increases for Valentine’s Day continues through the supply chain whether we like it or not. One way that you can save money on Valentines Day is to not buy roses. You may be able to find a better deal on a different variety of flowers if you have to have some type of flowers for your loved one on Valentine’s Day.
4. Set a spending limit
You all know that I am all for spending limits. Not having a spending limit is one of the biggest problems that get the most people in trouble with overspending on Valentine’s Day. You should have a frank and honest discussion with your loved one before hand on how much you are going to spend on Valentines Day gifts and food for the special day. Setting the limit and expectations before hand can help you manage the day and save your wallet too.
5. Celebrate on an alternate day
If you cannot afford to go out on February 14th, another great way to save money on Valentines Day is to choose an alternate day. It will not only be cheaper, but it will be less crowded even if you pick one or two days to the left or right on the calendar to celebrate. A day is a day is a day and doesn’t really matter the actual date as long as you spend it with your loved one.
6. Skip it
This will hit home with everyone who is heartbroken and bummed out during this time of year. But, there is nothing wrong with couples and married folks simply skipping this particular holiday in favor of saving money. When my husband and I didn’t have sufficient money we just skipped the holiday altogether. We already knew that we were each others valentine.
7. Skip the gifts
Skip the gifts and spend your money on making memories. She/he doesn’t need diamond on Valentine’s Day. Save that for more meaningful holidays like his/her birthday or Christmas. Focus your efforts on doing something you’ve never done before as a couple.
8. Gift Wisely
You are spending your hard-earned cash, so be sure that your honey is getting something they value. Instead of giving flowers and chocolates, try giving something they could use like a piece of technology or something they’ve wanted. They’ll surely love that more than the calories from the sweets they normally receive.
9. Consider free options
Spending no money at all will be a challenge, but a few free entertainment options can be found. Have a picnic at a local park. Send your loved one romantic text messages throughout the day. Create your own Valentine’s Day card if you’re artistically inclined; or if not, find a romantic poem online and transcribe it. A personal touch is always more appealing than a canned greeting card.
10. Give the gift of service
Nothing makes me happier than when my husband does some of my housework for me. Sometimes he makes coupons with chores, such as, do the laundry, or mop the kitchen etc. I can pick a coupon and he does whatever is on it. That saves me a lot when I am tired and is very helpful. The best part about it the coupons are good for the entire year, so I can use them over and over.
The more creative that you are with Valentine’s Day, the more money you will save. Sometimes the simple things in life create the best memories.