Resolutions are as only helpful if you stick with them! Read all about my top 5 financial resolutions that you can easily stick with throughout the year!

As cliche as it is, I really believe the New Year is the best time for a financial gut check. The problem that I historically ran in to is not the making of resolutions (hello, fun part), but sticking with them. Come February I’ve forgotten about those oh so important ‘resolutions’. So it goes without saying that by the end of the year, I likley haven’t accomplished what I set out to in January. It’s no surprise then that a recent Capital One survey found that only 1/3 of Americans felt they accomplished their financial goals in 2015. If this 1/3 was anything like me, they likely forgot what their goals were :).

After a couple years of this trend, I knew I needed to do something different. Below are my top 5 ‘doable’ financial resolutions for those that need a little push to get started!

1 – Assess priorities | Before creating a financial resolution game plan, it’s important to really look in the mirror (errr… not at your pores) and evaluate what’s important, what’s realistic & what are your long term goals. This is the time to be honest; if you know that you’re not going to be able to give up regular takeout meals after work, for example, don’t promise yourself that this is where you’ll save money. It sounds like a no-brainer, but every year I do crazy things, such as swearing off wine, in order to save money. Sure enough that one always falls flat.

Resolutions are as only helpful if you stick with them! Read all about my top 5 financial resolutions that you can easily stick with throughout the year!

2 – Automate, Automate, Automate! | Two benefits to automation 1) it’s a time saver & 2) what you don’t see you don’t miss. With a Capital One savings account, you can set aside a fixed amount of money to be moved from your checking account to your savings account (aka – higher interest rate) each month without having to lift a finger! Check out their ‘Automatic Savings Plan’ tool. Hello auto pilot.

3 – 24 Hour Rule | The 24 hour rule is … you guessed it: wait at least 24 hours before making any non essential purchase. Note that I’m not telling you NOT to purchase things, but just to give yourself a reasonable amount of time to assess whether you really need that item. I’ve learned from experience, what seems like a Container Store ’emergency’ doesn’t seem so urgent after I sleep on it. When the 24 hour buzzer is up and you still want to purchase, make sure you’re using a credit card that has a rewards program that fits your needs. The Capital One Venture Card has unlimited rewards and bonus miles for all your jet setters!

4 – Track! | Another past mistake that I’ve learned is that tracking needs to be easy and quick. When it’s not, it can feel overwhelming to keep up. The most ‘beautiful’ formula crazy spreadsheets aren’t worth the effort to create if the maintenance on it is too high. I’m an intense lover of spreadsheets, but for those of you who aren’t too crazy about SUMIF formulas, the ‘My Savings Goals’ tool within Capital One is pretty slick and …. you guessed it: EASY!

Resolutions are as only helpful if you stick with them! Read all about my top 5 financial resolutions that you can easily stick with throughout the year!

5 – Evaluate | Remember that gut check that I mentioned in January? Well, let’s continue that quarterly. It’s ok if you realize that the goals you created in January just aren’t realistic come March. If that’s the case, you need to have another personal heart to heart with yourself and determine what IS realistic. Instead of blowing off the resolutions, just REVAMP them.

May your New Years financial resolutions stick and may you NEVER try to give up wine in order to save money 🙂

Resolutions are as only helpful if you stick with them! Read all about my top 5 financial resolutions that you can easily stick with throughout the year!

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

 

 

 

 




 

Resolutions are as only helpful if you stick with them! Read all about my top 5 financial resolutions that you can easily stick with throughout the year!

Follow:
Share:

This DIY lavender linen spray is my newest trick to help me fall asleep at night! It smells fabulous & has a calming effect. It's quick & affordable!
This DIY lavender linen spray is my newest trick to help me fall asleep at night! It smells fabulous & has a calming effect. It's quick & affordable!
I’ve tried everything to fall asleep at night: warm milk & honey, reading, listen to light music, glass of wine, dim the lights in the evening and likely dozens of other tricks. ‘Winding down’ isn’t really my thing. Nor is relaxing. These qualities definitely serve me well in productivity, but not so much in quality sleep.

That’s why I’ve realized I need more than one trick to put me to sleep each night. (I also realized that having my phone attached to me 24/7 is likely negating most of my efforts, but that’s for another day!)

My latest trick that I’m loving is lavender linen spray on my pillows. Lavender essential oil is supposed to help you relax and help manage stress & frustration. At minimum it smells fabulous & has a calming effect. You can definitely buy linen spray pretty much anywhere, but it’s WAY more economical to make it yourself. I never pass up an affordable DIY!

Supplies for lavender linen spray:

  • 1 oz (2 tbsp) witch hazel, vodka, isopropyl alcohol OR Epsom salts (any of these will help combat the separation of oil & water in the bottle)
  • 10 drops lavender essential oil
  • 3 oz (6 tbsp) water
  • 4 oz spray bottle
  • Ribbon (optional)
  • White label sheets (optional)
  • Printable label (optional)

Directions:

Mix the lavender essential oil & your choice of hazel, vodka, isopropyl alcohol OR Epsom salts in the spray bottle. Give a good shake. Why? The essential oil won’t distribute into the water on its own, but when diluted in the hazel, vodka, isopropyl alcohol OR Epsom salts, it will mix into the water.

Add water to the bottle until it is almost full.

Screw on the cap and shake the bottle to disperse the oils evenly throughout.

When making these for gifts I tie a ribbon around the top and stick this lavender linen spray label on using printable white label sheets.

This DIY lavender linen spray is my newest trick to help me fall asleep at night! It smells fabulous & has a calming effect. It's quick & affordable!

Voila! Your homemade lavender linen spray is complete. Shake lightly before each use.

May you put down your phone & be asleep in no time!

This DIY lavender linen spray is my newest trick to help me fall asleep at night! It smells fabulous & has a calming effect. It's quick & affordable!

This DIY lavender linen spray is my newest trick to help me fall asleep at night! It smells fabulous & has a calming effect. It's quick & affordable!

Some of the links in this list are affiliate links. It doesn’t cost you any extra, but I earn a little commission if you decide to purchase. Regardless of whether or not I receive a commission, I only recommend products that I personally use and genuinely recommend!

 

 

 

 




 

This DIY lavender linen spray is my newest trick to help me fall asleep at night! It smells fabulous & has a calming effect. It's quick & affordable!

Follow:
Share:

Don't spend all your hard earned cash on expensive makeup remover .... I promise this recipe is just as good as department store versions!

Don't spend all your hard earned cash on expensive makeup remover .... I promise this recipe is just as good as department store versions!
I love ‘fancy’ (aka expensive) makeup remover. The more I spend, the more I seem to like it. And as much as I’m down for cheap DIY alternatives, never did I think I would make my own makeup remover. I assumed anything I make would either be way too greasy causing my face to break out or not work at all causing me to obsessively rub my eyes. Well, the last two years have proved me wrong, as I’ve been using & loving my own makeup remover daily … and well saved a lot of money.

How much money you ask? After spending 20 minutes and one fabulous spreadsheet later, I determined that my recipe costs $0.35 per ounce. This compared to my favorite Clinique Rinse-Off Eye Makeup Solvent at $19/4.2 ounces is a steal.

Don't spend all your hard earned cash on expensive makeup remover .... I promise this recipe is just as good as department store versions!

That creates a savings of $4.17 PER OUNCE!

With just a few readily available items (especially if you have a baby or toddler round), you can make a batch of these in a jiffy. Under 5 minutes, I promise!

What You Need:

* Optional to make make up remover PADS

To make the makeup remover, first wash out your empty makeup remover container. Then simply mix the water, baby shampoo & baby oil together in to your empty makeup container container. Tada!

Don't spend all your hard earned cash on expensive makeup remover .... I promise this recipe is just as good as department store versions!

To use shake it up right before each use. Pour a little on a cotton pad or balls, or even your fingers to remove the makeup. I prefer cotton cotton pads which I cut into 4 pieces.

If you want to get fancy and make makeup remover pads, combine the water, baby shampoo & baby oil in to a small mason jar. Pour enough solution to cover the bottom of your small mason jar. Add about 10 pads, allowing them to soak up the solution for a couple minutes. Continue adding 10 more pads at a time, pouring enough solution over each set to cover. Seal with lid when finished. (add a cute label and it would make a great gift!)

Hoping your wallet is a little heavier and your makeup comes off a little easier!

Don't spend all your hard earned cash on expensive makeup remover .... I promise this recipe is just as good as department store versions!

Don't spend all your hard earned cash on expensive makeup remover .... I promise this recipe is just as good as department store versions!Some of the links in this list are affiliate links. It doesn’t cost you any extra, but I earn a little commission if you decide to purchase. Regardless of whether or not I receive a commission, I only recommend products that I personally use and genuinely recommend!

 

 

 

 




 

Don't spend all your hard earned cash on expensive makeup remover .... I promise this recipe is just as good as department store versions!

Follow:
Share:

Don't pay big bucks for an ounce of beauty product, make your own HIGH quality copy cat mud mask with this easy to follow tutorial!

It’s always fun buying new beauty products, but not so fun getting the credit card bill at the end of the month, right?? You’re in luck. This mud mask is department store quality that you can make in your kitchen! (No monthly credit card bills to follow 🙂 )

INGREDIENTS

(See photos of all ingredients at the end of the post)

Don't pay big bucks for an ounce of beauty product, make your own HIGH quality copy cat mud mask with this easy to follow tutorial!

Before you go any further, I know what you’re thinking … man this is a lot of random ingredients, right? Yes, I totally agree. But here’s the scoop: I bought all these ingredients over two years ago and have never used anything else! Plus if you’re in to DIY beauty, you’ll tend to use many of these ingredients and likely to have quite a few of these handy already.

INSTRUCTIONS

Steep 2 chamomile tea bags in about 4 oz of hot water and let sit for a couple minutes.

Microwave coconut oil in to a liquid (roughly 1 min).

In a glass bowl, mix all ingredients except tea. When opening up the charcoal capsules, make sure to have paper towel underneath as it can get dirty! (your hands will also get dirty, but it washes off easily with soap)

Slowly add the tea and continue to whisk until all mixed. At first the mixture will appear rather liquidy, but continue mixing for roughly 60 seconds. You’ll see the mixture change from black to a dark gray. Continue mixing until smooth & even color, removing all lumps.

Don't pay big bucks for an ounce of beauty product, make your own HIGH quality copy cat mud mask with this easy to follow tutorial!

Don't pay big bucks for an ounce of beauty product, make your own HIGH quality copy cat mud mask with this easy to follow tutorial!You can use immediately, but remember its a little warm from the tea. It stores in the fridge, covered, for up to a month. I use at least once a week, washing off my face after 10 minutes (or as it starts to dry).

These make great Christmas gifts or even bachelorette party gifts!

For gifts I poured in to left over feta cheese containers (I LOVE cheese), add a label and ribbon! It makes a totally adorable and practical gift!

Don't pay big bucks for an ounce of beauty product, make your own HIGH quality copy cat mud mask with this easy to follow tutorial!

Cheers to small pores and great gifts!

 

Here’s the photo list of all ingredients to make your shopping a little easier! 

Click on any of the photos for more information on the product

 

Don't pay big bucks for an ounce of beauty product, make your own HIGH quality copy cat mud mask with this easy to follow tutorial!

Don't pay big bucks for an ounce of beauty product, make your own HIGH quality copy cat mud mask with this easy to follow tutorial!

 

Some of the links in this list are affiliate links. It doesn’t cost you any extra, but I earn a little commission if you decide to purchase. Regardless of whether or not I receive a commission, I only recommend products that I personally use and genuinely recommend!

 

 

 

 




 

Don't pay big bucks for an ounce of beauty product, make your own HIGH quality copy cat mud mask with this easy to follow tutorial!

Follow:
Share:

How can velcro help in organizing appliance cords? This simple 5 minute project will have your appliance cords organized easily!

How can velcro help in organizing appliance cords? This simple 5 minute project will have your appliance cords organized easily!
My husband asked me if I was running out of things to organize when he saw this project. First, did he really think I was going to run out of things to organize? But in all seriousness, I hate the way cords tend to get in the way.

This quick and easy Fast Fix Friday simply requires a ‘cordy’ appliance and velcro! (I used this one, which comes in white OR black and can be easily cut to fit perfectly.)

How can velcro help in organizing appliance cords? This simple 5 minute project will have your appliance cords organized easily!

Make sure your appliance is clean before attaching any velcro on it. I just spray a little all purpose cleaner and wipe off with a paper towel.

Then wrap the cord around the appliance as you normally would. Add a piece of velcro on to the plug-in and the other to the appliance, avoiding any spots that could be warm when plugged in.

How can velcro help in organizing appliance cords? This simple 5 minute project will have your appliance cords organized easily!

Note that I only use velcro on appliances that heat up IF there’s a part of the appliance that stays cool while plugged in (such as my curlers).  I get nervous that the velcro may start on fire, so I skip this for things like my crock pot and straightener.

May tangled cord now be a thing of your past!

How can velcro help in organizing appliance cords? This simple 5 minute project will have your appliance cords organized easily!

How can velcro help in organizing appliance cords? This simple 5 minute project will have your appliance cords organized easily!

Some of the links in this list are affiliate links. It doesn’t cost you any extra, but I earn a little commission if you decide to purchase. Regardless of whether or not I receive a commission, I only recommend products that I personally use and genuinely recommend!

 

 

 

 




 

How can velcro help in organizing appliance cords? This simple 5 minute project will have your appliance cords organized easily!

Follow:
Share:

Instead of buying expensive hair products, make your own with this simple DIY Hair Treatment with items found in your kitchen!

My skin and hair are always dry so I’m constantly buying beauty products that have extra moisture, especially as the weather gets colder. But I also like to mix it up with a DIY to save my wallet from time to time. This moisturizing DIY hair treatment needs only 3 ingredients straight from your kitchen!

Mix together the following:

  • 3 tablespoons mayonnaise
  • 1 tablespoon olive oil
  • 1 egg

Simply massage the mixture in to your hair (I tend to put the majority on to my ends). Pull up in to a shower cap to keep the moisture in for 30 minutes. I bought a bulk order of 100 shower caps really cheap on Amazon. Once you’re finished, you can wash out your hair in the sink, but I prefer to hop in the shower so that I can really scrub the mixture out with shampoo.

And don’t worry, the mayo smell goes away after you wash it out!

I have pretty thin hair so I put about have of the mixture on my hair and store the remaining in the fridge for another hair treatment later in the week. I’ve stored it for up to 4 days. You can also double the recipe if you have thicker hair and want to do two treatments in a week.

How many selfies can one person take in a shower cap? (actually I took about 60 🙂 )Instead of buying expensive hair products, make your own with this simple DIY Hair Treatment with items found in your kitchen!May your hair be healthy and moisturized straight from the kitchen!

Instead of buying expensive hair products, make your own with this simple DIY Hair Treatment with items found in your kitchen!
Instead of buying expensive hair products, make your own with this simple DIY Hair Treatment with items found in your kitchen!

 

Some of the links in this list are affiliate links. It doesn’t cost you any extra, but I earn a little commission if you decide to purchase. Regardless of whether or not I receive a commission, I only recommend products that I personally use and genuinely recommend!

 

 

 

 




 

Instead of buying expensive hair products, make your own with this simple DIY Hair Treatment with items found in your kitchen!

Follow:
Share:

Easy Overnight Hand Moisturizer that allows you to moisturize while you sleep! This is the ultimate beauty hack time saver!
So technically this Fast Fix Friday takes longer than 5 minutes …. depending on how long you sleep tonight.

I’m no beauty expert and this definitely isn’t a beauty column, but I do have a nack for time saving tips which extends in to the beauty department.

With the cold weather, my hands always seem to get extra dry. Standard lotion just doesn’t do the trick. But I found a solution. If you’re willing to look a little goofy during your sleep I can guarantee soft moisturized hands by the time you wake up!

Easy Overnight Hand Moisturizer that allows you to moisturize while you sleep! This is the ultimate beauty hack time saver!

All you need is a jar of petroleum jelly & old cotton gloves. (Use gloves not mittens.) Yes you can buy specialty gel filled spa gloves, but much to my excitement, I found my cheaper version works better!

Easy Overnight Hand Moisturizer that allows you to moisturize while you sleep! This is the ultimate beauty hack time saver!I opted for my old Miami University red gloves that surprisingly don’t seem go with any of my dress coats :). Now I think of my alma mater any time my cuticles are getting bad.

Simply slather on petroleum jelly all over your hands, slip them in to your gloves and hit the hay! The gloves help hold in the moisture all throughout the night. You’ll have softer hands by the time your alarm goes off.

Wishing your beautiful soft hands and a good night sleep!

Easy Overnight Hand Moisturizer that allows you to moisturize while you sleep! This is the ultimate beauty hack time saver!Easy Overnight Hand Moisturizer that allows you to moisturize while you sleep! This is the ultimate beauty hack time saver!

 

 

 

 




 

Easy Overnight Hand Moisturizer that allows you to moisturize while you sleep! This is the ultimate beauty hack time saver!

Follow:
Share:

Keep your Iphone in tip top shape …. by getting rid of all the stuff you don’t need. You’ll never run out of space again.

if you hate having your iphone fill up, check out our top list of ways to free up space!

Have you ever gotten this dreaded pop up on your Iphone right as you’re about to take a photo? If you’re anything like me, you then scrabble to try to delete any app that hasn’t been used recently or quickly remove some older photos where you didn’t look very good. By the time I free up space on my phone, the photo opt has likely passed.

Free up space on your Iphone with these surprise 6 tricks that you're likely not doing YET! No need to delete ANY apps with these great tips!

Getting frustrated that my ‘fixes’ were always temporary, I figured out what was taking up so much space on my phone. In-fact, I found 6.

Before I dig in to my 6 tips, you should find out what’s taking up the most space on YOUR phone. Simply go to the Settings app then go to General > Usage > Manage Storage.

You’ll see all your apps in order of the amount of space they’re taking up on your phone. For those apps that you don’t use enough to justify, DELETE!

1 Photos

It’s probably no surprise that photos tend to take up a LOT of space. So take a look at your most recent selfies and decide if you really need all the extras that didn’t make it to your facebook page. Yes it’s painful, but dwindle those photos down to the essentials.

You can also enable automatic uploading to Dropbox. Simply download the Dropbox app (yes, we’re trying to get rid of apps, but this one will be beneficial!) and either create an account or sign in, if you already have an account. Then select “enable camera upload”. Now moving forward all your photos will also download in to your Dropbox account as long as you keep the app on your phone. This means you can safely delete the photos on your phone to clear up space!

2 Do you take photos in HDR?

If you don’t, I highly recommend it. This feature allows you to take better quality photos from your iphone (HDR = high dynamic range). Just be aware that it is automatically set to save both versions of the photo (a plain one and a HDR one). To change this, simply go back to Settings > Photos  & Camera and deselect ‘Keep Normal Photo’.

3 Remove old Podcasts

Podcasts can take up a LOT of room on your phone and typically aren’t necessary to store once you’ve listened to them. “Serial” I’m looking at you! At the bottom of your podcast app will be the individual ones that you’ve already listened to. Just swipe left and select the red delete button.

4 Delete old text messages

I admit, sometimes I think it’s fun to look back through past text messages, but it’s doubtful that most really need to be saved. Yet, your text messages are auto set to never delete. To change this go to Settings > Messages. Under Keep Message, select 30 days or 1 year. 

5 Stop Photo Streaming

Photo stream automatically syncs your photos between your Apple devises. This means that any photos on your ipad will sync (and take up space) on your iphone. Unless you specifically need this feature often, you should turn it off. Go to Settings > Photos & Camera > My Photo Stream and turn it off. 

6 Clear your browser history

Browser history likely isn’t a main culprit of Iphone space, but you may be surprised how much it takes up. To clear your browser, go back up to Settings > Safari > Clear History and Website Data.

Free up space on your Iphone with these surprise 6 tricks that you're likely not doing YET! No need to delete ANY apps with these great tips!

I hope this helps you free up space on your Iphone!

My you never be in a situation without enough space to snap a selfie again!

 

Free up space on your Iphone with these surprise 6 tricks that you're likely not doing YET! No need to delete ANY apps with these great tips!

 

Free up space on your Iphone with these surprise 6 tricks that you're likely not doing YET! No need to delete ANY apps with these great tips!

 

 

 

 




 

Free up space on your Iphone with these surprise 6 tricks that you're likely not doing YET! No need to delete ANY apps with these great tips!

Follow:
Share: