If you’re welcoming a second child, your spending and savings habits may need a tune-up.
The post Affording a Second Child: How to Make Your Budget Work appeared first on Discover Bank – Banking Topics Blog.
If you’re welcoming a second child, your spending and savings habits may need a tune-up.
The post Affording a Second Child: How to Make Your Budget Work appeared first on Discover Bank – Banking Topics Blog.
Who doesn’t want to cover themselves in chocolate? Here’s your opportunity with this hydrating, revitalizing scrub.
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.)
Here’s a great scrub for smoothing out rough spots on elbows, hands, feet, or wherever you need a little extra help.
Mix together all of the ingredients, then rub onto the skin. Rinse with warm water.
Dry, itchy skin bothering you? Try this super-moisturizing light scrub.
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.
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.
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
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.
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.
This powerhouse of a body mask is loaded with vital nutrients to help rejuvenate and revitalize skin.
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.
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.
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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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.
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.
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.
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.
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!
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.
If youâre like a lot of us, 2020 did a number on your cash flow. Here are six ways to rescue it.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
Recently, I published the post How I Graduated From College In 2.5 Years With 2 Degrees and Saved $37,500. While I did graduate quickly and there are benefits related to that, there are things I missed out on by rushing my college experience. Now I wouldn’t say I had the worst college experience, but I also wouldn’t […]
The post What I Would Change About My College Experience appeared first on Making Sense Of Cents.
Food is essential to our existence. What isn't essential is paying an arm and a leg for our daily bread. Compared to dining out, buying groceries and cooking homemade meals remains a far more affordable way to eat. But grocery shopping can be even more affordable with these tips the next time you find yourself carting down the aisles.
Let's explore each tip a little further.
Shop more efficiently at the supermarket by leaving your cart at the end of each aisle. It’s faster because you’ll go directly to what you need and grab it, plus you’ll be less tempted to purchase extras since you won’t be wandering slowly down the aisle with the cart.
When you’re at the supermarket, make sure you keep a close watch while your items are being rung up. A recent study found that 10 percent of items are scanned in at the incorrect price.
Remember the cardinal rule when it comes to saving money on food: If it’s “convenient,” it’s probably costly. For example, pickles cut flat for sandwiches, juice in single-serving bottles, pre-shredded cheese, and “baby” carrots. Think carefully about what you’re buying and decide if the convenience is worth the extra cost!
When shopping, know your terminology: Only the term “use by” means that you shouldn’t eat the food after the date indicated. “Sell by” dates are only an indication for the store, and foods will usually keep one to two weeks after. “Best before” is only an indication of food quality, not of food safety, so again, your perishables may still be fine to eat.
If you find you’re making a lot of impulse purchases at the store because your kids are begging for snack foods, keep them quiet by buying them a package of animal crackers or a similar snack right when you get to the store. Most stores don’t even mind if your kids eat the crackers before you pay for them.
Supermarkets often discount their day-old or slightly overripe items in the morning. This is a great way of getting deals on fruit, vegetables, bread, and other foods. At first glimpse, this money-saving strategy may not seem appealing to you, but you can use these items in casseroles, desserts, and other dishes where you won’t even notice the difference. With a loaf of day-old bread, for example, you can make french toast, stuffing, croutons, bread pudding, and much more!
When you’ve been buying the same brand-name product for as long as you can remember, it’s hard to make the switch to generics. However, you’ll be surprised when you find many generic and store-brand products taste exactly the same (or better!) for less than half the cost. Always buy generic baking ingredients such as flour, oil, and sugar. These generics are indistinguishable from their more-expensive counterparts. Frozen and canned vegetables are also usually exactly the same. As for products such as cereals, cookies, and crackers, basic is better—we’ve had good luck with plain granola, potato chips, and wheat crackers. No matter what the product, it never hurts to try. If you end up having to throw away one can of soup, you’ve wasted a few dollars, but if you like it, you can save a lot over the course of a year.
Need a little help budgeting your trips to the supermarket? Many chains now offer prepaid gift cards. Buy one for yourself and think of it as a portable checking account: Put money on the card, then “withdraw” from it every time you shop. With a dedicated grocery “account,” you’ll find it’s easier to keep a tighter rein on your spending.
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We all have our favorite small businesses, including our go-to date night restaurant and favorite thrift store. These places serve more than great food and looks â they build jobs in the community, put children through school, and are the…
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The post 9 Ways to Support Small Businesses Without Breaking the Bank appeared first on MintLife Blog.
Have you been spending lots of time at home? Creating a household budget can help you get a handle on where youâre spendingâand where you can find ways to save.
The post How to Save More Money in the Stay-at-Home Economy by Focusing on What Matters Most appeared first on Discover Bank – Banking Topics Blog.
As a busy parent, your life is moving in all directions. Your checking account needs to keep pace.
The post Banking for Busy Parents: 4 Essential Checking Account Features appeared first on Discover Bank – Banking Topics Blog.
You’ll need to learn Philly before you make the move.
The post 10 Things to Know About Living in Philadelphia appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.
Mice are annoying, and they can also be dangerous. They contaminate food and prey on folks with weakened immune systems. Here’s how to get rid of them.
The post How to Get Rid of Mice in Your Apartment appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.