Tips&Tricks – How To Save Money

I’m pretty sure many of you find this amusing that I’m making a post like this but I figured it would be something helpful and hopefully gives some of you motivation to save money. I’m one of those girls who loves retail therapy and I will spend for the most stupidest reasons. Two examples I do at-least once a week is: 1) I don’t like what I’m having for lunch and I want fresh, hot food so I will order out. 2) I am sad/stressed/upset and I need to buy something to cheer myself up. Do these examples apply to you or you can relate? Let a girl know.

I think what is important is to not restrict ourselves because that will create more resistance and temptation later on. There should be a focus on an objective of some sort, whether it’s a handbag you wanted for so long, a property, vacation or etc. You should start off with an objective and it should be something you are passionate about, not something you want for temporary because we tend to lose track of the goal if it is.

Tip #1: Have a piggy bank

I always put my loose change, 5 dollar bills and lucky pocket money in my piggy bank. I got my piggy bank last year and he’s become very heavy now. I was tempted to open him up quite a handful of times but I quickly stopped myself because my objective is to fill him so full, that I can no longer put anything more in him then I will open him up and cash him at the bank. You will notice a significant difference how much a piggy bank can change your saving game. Cashing in hundreds, maybe even thousands of bucks?! How rewarding does that sound?

Tip #2: Skip out on buying coffee and make your own coffee at home

Wake up earlier in the morning and prepare yourself some coffee. Buying coffee every morning before work does add up. Think about it…

Let’s say you get 1 large cup of coffee every morning on a weekday…
$5 x 5 days = $25
For 1 month (30 days length) without weekends:
$5 x 22 days = $110
For 1 year (365 days length) without weekends:
$5 x 283 = $1415
That’s A LOT of money!

Currently minimum wage in Ontario is $14-$15
$14 x 80 work hours = $1120
$15 x 80 work hours = $1200
^ These are BEFORE deductions. Usually when you hit the 1k mark, you get deducted about 200 dollars per pay cheque.

We don’t realize the damage we are doing to our wallets when we buy little things here and there. I am an avid coffee drinker, I feel a significant difference in my overall behavior and awareness with and without it. I am gradually teaching myself to build tolerance to live without coffee. Some days I will give in and buy but I came from buying coffee every single day to drinking coffee maybe.. once or a twice a week?

Tip #3: Have a budget

Again, going back to what I said about restricting yourself. Never restrict yourself but make sure to budget your money out wisely.
Here is an example:
Say you make 3K a month and live away from your parents…
You spend (every month)…

$200 on groceries
$60 on phone bill
$80 for utilities
$50 internet bill
$150 for bus fare/gas
$200 on misc lunch/dinner occasions
$1200 for rent

What you have left…
$1060

Varying how big your objective is and how close you want to get to close to it. The remaining money you have left per month, you should at-least try to save 50%-60% of it. Have a Tax-Free Saving Account and just continuously save each month and you will start to notice the numbers growing bigger and bigger.

That is all for today, friends.
If you’re interested in more tips, please feel free to reach out to me and let me know you’re interested in these kinds of posts.

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[REVIEW] Heimish All Clean Green Foam

Hello friends! I’m back with another skincare product review. This is a continuation of my lucky clover box products reviews from StyleKorean. I was fortunate enough to be selected to one of the winners to review the products in this box! This is one of the products that really caught my eye because it’s a cleanser and I go through cleansers pretty fast because I always use so much.

Product Description:

  • pH Balancing Facial Cleanser
  • Mildly Cleanses the skin
  • Minimum Formula
  • Moisturizing Cleanser

The first thing you will notice when you dispense this cleanser is it’s thick gel consistency and it’s noticeable herbal-scent. It lathers alright, it has this rich consistency to it and it didn’t foam up that much. I’ve tried using this cleanser on my double cleanse method and found it didn’t strip my skin moisture but retain it while cleaning the excess makeup off my face. I also could rub this cleanser around my eyes and didn’t experiencing any eye irritation. MANY cleansers in the market irritate the crap out of my eyes and I find myself very cautious applying my cleanser around my face. This one I don’t have to worry and can apply it close to my eyes without having them get all itchy and red.

I’m impressed and will continue to use this cleanser! Out of all the cleansers I own, this and the cosrx good morning one will always be my favourite gentle, non stripping cleansers! Please do keep it in mind if you use this alone without an oil cleanser to remove your makeup, you will notice that this doesn’t do a good job removing your makeup alone. My current favourite oil cleanser is the shu uemura blanc:chroma oil cleanser and also my favourite balm cleanser is the banila co clean it zero – original!

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FAQ: Tips & Tricks for Online Kbeauty Shopping

Hi friends!
I had quite a few reoccuring questions on my instagram on the same topics.
This is an FAQ post for what to do and avoid online kbeauty shopping.

I only purchase from reputable sellers that have a high rating/ranking on eBay or for the individual websites, I check various online review sites and youtube videos to ensure the seller is legit and will not scam me for my money. You will/may have came across various online sellers who sell kbeauty products for a ridiculous cheap price from retail value. Take precautions and ensure the seller has a good rating, check the country of origin where they are shipping it from and always read the negative reviews. Some negative reviews are irrelevant complaints but always check them to see if people were sent a counterfeit product.

  • How do you check the item’s country of origin/location?

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  • How long do shipments take and do products ever get damaged? What do I do when the products are damaged during the shipping process?

Shipments usually take me 20-30 days for the item to arrive to Canada. You may need to check with the seller or on the item’s description, there probably will be a diagram/table indicating shipping time estimates.
As for damaged products, I rarely have issues like that but when something like does happen – contact the seller and see what options they give you.

 

If you have anymore questions, please leave a comment below this post or feel free to dm me/comment on my ig photos. I will compile these questions together and either revise this post or make another one (part 2).

Happy Shopping!