Inheriting property or other assets typically involves filing the appropriate tax forms with the IRS. Schedule K-1 (Form 1041) is used to report a beneficiary’s share of an estate or trust, including income as well as credits, deductions and profits. … Continue reading →

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If you feel like investing is a confusing topic, filled with tons of jargon and endless complexity, you’re not alone. According to a survey by Ally Bank, 61% of adults find investing in the stock market “scary or intimidating.” Compounding that problem is the importance of investing. From that same survey, a majority of Americans […]

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If you’re looking to make more money this year there are a couple options. Let’s start by making sure you’re getting paid what you’re worth.

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Amazing scrubs

1. Chocolate-honey scrub

Who doesn’t want to cover themselves in chocolate? Here’s your opportunity with this hydrating, revitalizing scrub.

  • ½ cup honey
  • ½ cup sea salt
  • 2 tablespoons cocoa powder
  • 1 tablespoon olive oil

Mix together all of the ingredients in a bowl, making sure to break up any lumps in the cocoa powder. Apply this luscious mixture to your skin, rubbing in a circular motion. Leave for 5 minutes, then rinse with warm water. Divine! (Leftover scrub can be stored in a tightly sealed container in the refrigerator.)

2. Apricot–sea salt scrub

Here’s a great scrub for smoothing out rough spots on elbows, hands, feet, or wherever you need a little extra help.

  • ¼ cup sea salt
  • 2 tablespoons apricot kernel oil
  • 5 drops apricot essential oil

Mix together all of the ingredients, then rub onto the skin. Rinse with warm water.

3. Light sugar scrub

Dry, itchy skin bothering you? Try this super-moisturizing light scrub.

  • 3 tablespoons baby oil
  • 2 tablespoons yogurt
  • 4 teaspoons brown sugar

Mix together the ingredients, making sure to break up any lumps in the brown sugar. Massage immediately into skin, as the sugar will begin to dissolve. Rinse with warm water.

4. Minty morning wake-up

This invigorating scrub is great for those sleepy mornings when it’s almost impossible to drag yourself out of bed. For best results, make it the night before and store in the refrigerator until morning.

  • 1 cup rice
  • 6-ounce container plain yogurt
  • 5 sprigs mint
  • 3 drops peppermint essential oil

In a food processor, add the rice and pulse until ground. Transfer the contents to a bowl. Then process the yogurt and mint together and add to the ground rice. Add the essential oil, stir well, and refrigerate. Then, during your morning shower, rub the mixture into your skin. You’ll feel it working!

SEE ALSO: Who Knew's 18 Natural Remedies to Get Rid of Acne and Pimples 

5. Ginger face and body polish

For beach-ready skin, try this body polish. Ginger will help stimulate the skin, salt and sugar will rub away dead skin cells, and the combination of coconut and olive oils will provide deep hydration.

  • ¼ cup coconut oil
  • 2 tablespoons grated fresh ginger
  • ¼ cup olive oil
  • ¾ cup raw sugar
  • ¼ cup sea salt

In a small saucepan, add the coconut oil and grated ginger, and heat on low until the oil melts and the ginger has infused it. Strain into a bowl. Stir in the olive oil, sugar, and sea salt, and allow the mixture to cool. Transfer to a cosmetics jar. To use, massage a little into the face and body, and leave for 5 minutes before rinsing under warm water.

Is the skin on your elbows looking a bit rough? Here’s an easy treatment: Cut a lemon or lime in half, then sprinkle it with brown sugar. Bend your elbow and shove it right into the citrus, then twist the fruit back and forth. The fruit’s acid will slough off dead skin with the help of the sugar.

All-natural masks

6. Veggie revitalizer

This powerhouse of a body mask is loaded with vital nutrients to help rejuvenate and revitalize skin.

  • 2 ripe avocados, peeled and pitted
  • 2 carrots, thinly sliced and steamed until soft
  • ½ cup milk
  • 2 eggs, lightly beaten
  • ¼ cup honey

Mash together the avocados and carrots in a medium bowl. Stir in the milk, lightly beaten eggs, and honey. Apply the mixture to damp skin, then leave on for 10 to 15 minutes. Rinse with lukewarm water.

7. Yogurt soother

Try this body mask to help soothe irritated skin. The lactic acid in the yogurt gently breaks down dry skin cells, and turmeric is a well-known anti-inflammatory.

  • 1 cup plain yogurt
  • 1 teaspoon turmeric

Combine the yogurt and the turmeric, blending well. Apply to damp skin, and leave for 10 minutes. Rinse with lukewarm water, then moisturize.

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8. Skin-balancing facial

Do you have acne scars or other dark spots on your face? You can use the enzymes in certain foods to help lighten them! Here’s a soothing mask to try.

  • 1 teaspoon lemon juice
  • 1 teaspoon honey
  • 2 teaspoons plain yogurt

Stir together the lemon juice, honey, and yogurt in a small bowl. Apply to your face, and leave on for about 10 minutes. Rinse with warm water.

9. Pumpkin pampering

For clean, soft skin—and a clever way to use up that can of pumpkin that’s been gathering dust in your pantry since last Thanksgiving—try this facial mask.

  • 1 (15-ounce) can pumpkin puree (not pumpkin pie filling)
  • ¼ cup plain yogurt
  • ¼ cup honey
  • ¼ ground almonds
  • Olive oil

Mix together the canned pumpkin with the yogurt, honey, ground almonds, and a drizzle of olive oil. Apply to skin, and take a hot bath to let the steam and enzymes in the mask do their work. After 10 minutes, rinse and apply your normal moisturizer. Refrigerate any leftovers and use within a week.

10. Clarifying facial

If you have oily skin, try this sweetly scented scrub. The clay will help remove impurities and excess oil, while the oats and almonds will exfoliate and soothe skin. As a bonus, lavender is great for stress relief!

  • 1½ cups rolled oats
  • ¾ cup almonds
  • 1 tablespoon dried lavender
  • ¾ cup honey
  • 1¼ cups white kaolin clay

Pulse together the oats, almonds, and dried lavender in a blender. Mix in the honey and white kaolin clay. (You can find the clay online or at stores that carry natural beauty products.) Remove a tablespoon of the scrub and mix with water to make a thick paste. Massage over the face and neck, and leave on for 10 to 15 minutes. Store the leftovers in the refrigerator in a closed container.

Have a teeny bit of Champagne or white wine left after a party? Make a face scrub with it! Wine contains tartaric acid, a terrific exfoliant. Mix a few teaspoons sugar with enough wine to make a paste, then massage into clean skin.

These are the steps that introduced me and my husband to what financial independence is and for that I am eternally grateful. But a lot of important considerations get looked over if you just find a list of the steps…

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In 2017, the average American consumer debt rose around 8%.  That results in the average American owing more than $15,000 in credit card debt. Holy smokes!! Why so much debt?  While some are the result of medical debt and the need to cover living expenses due to a layoff, the majority is due to financing … Read More about 10 Crucial Steps To Getting Out of Debt

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