The Savvy Life
Sunday Morning Money Saving Ritual PDF Print E-mail
 By Melissa Tosetti
 
I just wrapped up one of my favorite time and money saving habits.  Every Sunday morning I savor a fresh cup of coffee while perusing the weekly sales ads.  As I go through the ads, I compare what’s on sale to what I have listed in my Spending Book. 
 
A Spending Book is a small notebook I keep with me at all times. In it, I list the items I want to purchase that are outside of our normal household spending like groceries. Some of the items I have listed in my spending book right now are a mirror for my bathroom wall, OPI Clear Fingernail Polish and a new watch.
 
I also use my Spending Book to list the books I want to read, the movies I want to see and the restaurants I want to visit. 
 
The idea of the Spending Book is to use it as a tool to focus your discretionary income on what you truly want. By adding an item to the book, you are creating an intention. You have decided that item is important enough to spend your money on.
 
By using my Spending Book and timing my purchases to coincide with store’s sales, I systematically save 20% - 50% on just about every purchase I make – and I have fun in the process! 
 
In addition to saving both time and money, the ultimate benefit of this particular habit is that it helps me to live a more purposeful life – picking and choosing what I purchase or how I spend my time rather than mindlessly consuming. It’s Savvy Living at its best!
 
 
 
Skin Care, Then Makeup PDF Print E-mail
By Alison Gary
 
Americans are known around the globe for having a disposable culture. We buy, and if we don’t like it, we throw it away. Fabulous shoes that kill our feet, a super cute top on sale that fades and pills after one washing. Toss ‘em, donate ‘em and start anew. The problem is we cannot throw away our skin.
 
In countries like France, girls are taught from a very young age by their mothers the importance of proper skin care and the benefit of regular facials.  They understand that makeup trends come and go, but healthy skin will never be out of style.  How many times have we looked at a photo of a fabulous French woman like Catherine Deneuve and wonder how she can look so amazing?
 
How many times have you gone to bed without washing your face?  Just a few minutes of properly cleansing and moisturizing your face each evening will take years off your skin.  How about self-medicating your skin woes?  Do you buy dermabrasion products from the drug store, acne treatments from the television, skin lightening products from your local Avon lady to end up with the same or worse skin?  You can be sure that Ms. Deneuve washes her face every night and consults professionals on how to care for her skin.
 
Before puberty, our faces were washed along with our bodies and we never had a problem with it.  Then oil and acne and rosacea and dry patches began.  We used alcohol-based astringents that were advertised during our favorite sitcom and harsh cleansers that showed fresh-faced beauties using them in the pages of Seventeen.  We weren’t taught that these industrial-strength products were actually exacerbating the problem.  Adulthood came, and soon we were looking for products to stop or reverse aging, recreate the dewy glow of our youth and make our skin be a little less difficult.  We sought help in the aisles of Target and Sephora and at the shiny cosmetic counters of our favorite department store.  Imagine the skin we could have if we only understood it better.
 
We often feel that we don’t have the money to spend on a facial or the time to visit a dermatologist if we don’t have a specific problem or condition.  The funny thing is we end up spending the same amount or more on products to cover up the issues with our skin.  Get to know and understand your skin and its needs with a medical professional and learn what you can do to repair damage and prevent future issues.  Instead of buying yet another product to transform your face, invest in a facial at a reputable spa or time with a dermatologist you trust.  A certified professional will teach you more about your skin than you have learned in all your years standing in front of the medicine cabinet examining pores and popping blackheads.
 
Our skin is the one accessory we always wear, and the first accessory that people notice yet we often give it the worst care.   You should be babying your skin far more than your car, your manicure or your home décor.  Styles change, cars break down and manicures always chip, but your skin is with you forever.  The next time you desire a new miracle product, think about your skin history and consider consulting a professional.  In the long run it will be a worthy investment toward the one thing we cannot throw away.

Alison Gary is 30-something who believes style knows no age, dress size or budget. She is the author of http://womanwardrobeneeds.blogspot.com/ and you can see her personal style at http://whatsmywardrobetoday.blogspot.com.
 

 

 
Enjoy Coming Home PDF Print E-mail

By Melissa Tosetti

Over the next four weeks, the demands on your time are going to dramatically increase.

Put your slow cooker back into use and make coming home at night a treat. There is nothing like walking in the door on a cold, blustery day to the smell of dinner that is ready to enjoy.

Use your slow cooker two - three times a week and you will save time, money and the mental clutter of trying to figure out "what's for dinner" at the last minute.

One of my favorite resources for slow cooker meal ideas is the blog A Year of Slow Cooking.

 
Holiday Shopping - Keep It Simple PDF Print E-mail

By Melissa Tosetti
 
Even without the frenzy of marketing and media coverage, it's easy to get swept away by the spirit of the holiday season.

Also, as human beings, we have a tendency to make things as complicated as possible.  A few years ago my husband and I decided to buy his aunt and uncle the movie Bottle Shock which is based on the true story of a California winery who famously, trumped French wines in what has become known as The Judgment of Paris.  

Paul and I then decided that it would be cool to also include a bottle of wine from the winery in the movie.  That added an additional $40 to the gift.  We then decided that it would look so much better if we put the gifts together in a basket rather than in a gift bag, adding another $10 to the gift. 

When all was said and done, the $12 movie, that his aunt and uncle would have loved on its own, turned into a $60 gift and the stress of running around trying to find everything we needed at three separate stores. 

Before walking into a single store, make sure you have a complete list of all the gifts you want to purchase.  Stay focused and if you find yourself starting to get really elaborate ask yourself how much time and money your new gift ideas will cost and then ask yourself, is it worth it?

As in many things in life, by keeping it simple you will enjoy the holidays so much more! 

 
How to Get Radiant Skin for the Holidays PDF Print E-mail

By Todra Payne,

I’ll admit I love reading which makeup looks are in fashion for the holidays. The plum lip color that lit up the runways during Fashion Week is my absolute staple this season. But as someone whose skin is wrecked by cold weather, I need to pay extra attention to skin care. Hydration is my biggest concern this time of year.

 
My summer skin care routine with foaming cleansers and lightweight moisturizers aren’t the answer in winter.
 
Here are my simple, budget-friendly choices for keeping my skin radiant through the season into the New Year. I bet they’ll give you lovely skin for those holiday photos, as well.
 
Jojoba Oil - Although called an oil, jojoba is technically a wax. But don’t let that scare you away from this gentle all-in-one beauty product. Jojoba oil comes from a bean that is native to Mexico, Arizona and Southern California. With a structure similar to sebum (fat and keratin secreted by the body as lubricant for skin), jojoba oil doesn’t clog pores. Removing makeup and dirt with jojoba oil gives your skin a gentle cleansing that is free of any harmful chemicals. As a bonus, jojoba oil is very moisturizing, so you won’t experience that tight, “stripped” feeling you get with foaming cleansers. Just squeeze a few drops on your palm and massage your face. Remove with a wet, warm wash cloth. Four ounces of organic jojoba oil sells for about $8.00.
 
Rose Water - When rose petals are distilled for their fragrant oil, the water (or hydrosol) that is left over is what we know as rose water. This rich, lovely scented floral water maintains skin’s pH balance and hydrates tired skin. It diminishes redness caused by enlarged capillaries and eases stinging caused by dry skin. To use, simply store rose water in a spritzer bottle (in the fridge) and spray a thin film all over the face. Allow to dry and follow with a rich moisturizer. Your skin will absolutely glow. Rose water can be found for $3 - $6 at the supermarket in the specialty food aisle.
 
Rhassoul Clay - Homemade clay masks can work as well as the top selling masks from high end beauty lines. Why? Because you can get the exact same ingredients in bulk for a fraction of the cost. Rhassoul Clay was used as a beauty treatment among nobility in Ancient Egypt and Rome and today it’s used by luxury resorts around the world. This rich red/brown clay draws out impurities, improves skin’s elasticity and texture. Mix with distilled water to make a thick paste, apply to skin for ten minutes and rinse with warm water. Buy it in bulk from www.MountainRoseHerbs.com for just $9 for a one pound bag.
 
Baobab Oil - This exotic oil, extracted from the seeds of the fruit that bloom ona tree native to Africa, is popping up a lot in skincare lately. Here’s why: Baobab oil contains Vitamins A, D, E and F which moisturize and help rejuvenate damaged skin cells. Because it’s rich in omega fatty acids, baobab also fights free radicals which cause pre-mature aging. It absorbs quickly without leaving a greasy residue, which means it works well under foundation. Instead of buying a pricey skin cream with 5% baobab oil, opt for a bottle of USDA Certified Organic baobab oil for just $15 at your local health food store or online. It’s the perfect winter moisturizer for all skin types.
 
Todra Payne is a green beauty expert and the founder of HealthyBeautyProject.com.
 

 
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