Game changing drugstore dupes that work just as well — at a fraction of the cost

I’ll be the first to admit that I’m pretty new to frugal living. And being relatively new to the lifestyle, I’m constantly finding new ways to downsize my spending. Especially as a skincare and beauty enthusiast, I knew that I could probably get away with making a few cuts in that department. So as I’ve hit pan on some of my favorite products over the past few months, I’ve challenged myself to find a cheaper alternative instead of immediately repurchasing the luxury option.

And…


Avoid these money traps in a post-pandemic world

With most of us returning to normal just in time for a Hot Girl Summer part 2, spending lots of money on the experiences that we’ve delayed for the past year is going to be especially tempting. And while I’m not by any means endorsing restriction just for the sake of it, being mindful of your spending in a newly reopened economy is going to be especially critical to your financial wellbeing for several reasons.

First, if you’ve been fortunate enough to remain employed during the pandemic or have found other work…


A complete wash day routine

Now I know what you may be thinking. That there’s no way that washing your hair once a week will even work for you let alone benefit your hair in any measurable way. Frankly, I was just as skeptical last year when I stumbled across the concept of hair training. But because at the time I’d ran out of ideas to fix my severely damaged hair and hadn’t had much luck with even the most expensive haircare routine, I decided to give it a shot.

And now nearly a year later, I can definitively say…


What it is, how to assess your risk, and what to do about it

Defining The Problem

Since I live in a rather dry climate and have perfected the art of at-home hair color over the past year, I’ve dealt with more than my fair share of dryness and damage. But besides my using box dye every couple of months, I struggled to understand why the condition of my hair had deteriorated so dramatically since my last move. After all, I was still trimming my ends regularly, deep conditioning every night, using only color safe products, and avoiding hot tools…


Photo by Element5 Digital on Unsplash

Settling the debate once and for all

This question has vexed me since I made the ill-advised decision to bleach my naturally very dark, virgin hair to platinum — all in one appointment — back in college. At the time, I had no real idea of the damage to my strands that would result. But in short, my hair never fully recovered. …


The subtle financial habits keeping you ahead of the curve

Sign #1: You set aside at least a little every month towards your goals

Even if you’re only able to set aside a few dollars right now, being able to save toward your goals is a great sign for two reasons. First, it signals that you can and do live consistently below your means. And as a result, you’re far less likely to fall into debt in the event of job loss or any other unplanned financial setback. …


Chances are, you’re not giving yourself enough credit.

When it comes to personal finance, it’s easy to beat ourselves up whenever we fall short of perfection. At the same time, there’s no shortage of shamey personal finance advice out there insisting that the occasional Starbucks is singlehandedly keeping us from ever reaching our money goals. But the reality is is that the all-or-nothing approach to money is self-defeating at best and entirely counterproductive at worst.

Even if you’ve just experienced a major setback or are struggling to make meaningful progress towards your goals, giving yourself credit for what you’re already…


7 steps to making your paycheck work for you

Prior to the pandemic, a 2019 Charles Schwab survey found that 59% of American adults were living paycheck to paycheck. Further, 44% have credit card debt and only 38% have an emergency fund. And living paycheck to paycheck wasn’t necessarily found to just be a low-income problem. A more recent study conducted by advisory firm Willis Towers Watson found that 18% of six-figure earners were also living paycheck to paycheck.

While the skyrocketing cost of housing and education, the prevalence of high-interest consumer debt, and now the global pandemic have made…


How I’m saving an extra $10,440 this year with minimal effort

Habit #1: Mending my clothes — Approximate yearly savings: $400

I used to be rather quick to throw out anything in my closet that was worn, torn, or that no longer fit. But once I learned to sew buttons, patch holes, and perform simple alterations at home, I’ve been able to significantly prolong the shelf life of my favorite pieces. This past year, my at-home mending has allowed me to avoid buying a new pair of work pants, replacing two sweaters, and purchasing a well-fitting interview outfit. …


What to look out for and what you can do about it now

According to Gartner, roughly half of Americans are spending more money every month than they’re making. At the same time, only 37 percent of Americans have enough in savings to cover a $500 emergency. And being strapped for cash isn’t necessarily a problem confined to low-income earners. GoBankingRates found that of those making $150,000 or more, nearly 30 percent had less than $1,000 saved. …

Rachel Gideon

Hi, I’m Rachel. I’m passionate about beauty, personal finance, and how the two often intermingle.

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