Beginner’s Guide to: Budgeting and Finances

Beginner’s Guide to: Budgeting and Finances

Welcome back to another beginner’s guide! This week we’re talking all about budgeting and finances-a topic that can be overwhelming and complicated to deal with. I’ve laid out a few steps below that can help anyone set up an easy, maintainable budget!

Step 1: Write out all of your expenses for a monthly basis

I like to look at my budget on a monthly basis, that way I don’t get too overwhelmed. I like to break my expenses down into essentials, subscriptions, and personal expenses. Essentials I consider to be non negotiables that I have to spend every month. This can vary for everyone, but for me it includes rent, utilities, cable & wifi, groceries, and gas.

Next, I make a list of all the subscriptions that I have to pay every month. This could include things like Hulu, Netflix, Spotify or even a gym membership. These are not necessarily essentials, but are still reoccurring expenses every month that you are responsible for.

Lastly, there’s the personal expenses category, and this can include any extraneous expenses you may have. For me it mostly consists of my dining out budget, and whatever else I may want to buy that month that would not be considered a necessity.

Once you figure out these three categories, it gives you a better idea of how much your spending every month.

☆Step 2: Figure out a rough estimate of your monthly income

For some people like myself, you pretty much have a fixed income every month that doesn’t change. This makes it easy to calculate a budget because you always know how much is coming in. If you’re self employed, or get paid hourly, you may not have a set amount you make every month, but try to come up with a rough estimate, even if you keep it on the lower end.

Step 3: Decide what amount you want to save every month

The general rule of advice is to save about 20%-30% of your income. Depending on how much you can afford to save, I’d obviously recommend saving as much as you can, especially if you’re saving up for a big purchase. (More to come on How to Save post coming soon)

Come to a reasonable limit on your spending

Now that you have a clearer picture of what your financial situation is, you can set a reasonable budget that you think you can maintain. Budgets are meant to be changed and you should feel like you have to keep it the same for every month-some months your expenses may fluctuate, and your income may as well. Try to keep an open mind with it, and know that you can always adjust! However, don’t use that as a reason to continuously over spend-there’s a reason you have a budget after all.

I hope these tips can help any of you who may be struggling to set a budget or find a maintainable one!

Xo.

Organizing on a Budget

Organizing on a Budget

Do you have a messy space you want to organize but have a list of excuses as to why you can’t? If one of them is that organizing is too expensive you can now officially cross that off your list of excuses because I am going to tell you the best ways to save money on organizing. Yes, organizing can get very expensive very quickly if you’re shopping at the wrong places. I have found great ways for finding new alternatives to organize your space without spending half your paycheck on organizational supplies.

In my first post about organizing, I talk about evaluating your space to decide what you may need to properly tidy it up. A lot of times using bins or baskets is an easy way to clean up a space, and can be extremely affordable. One of my favorite places to shop for bins and baskets is the Dollar Tree.

If you have not been inside a Dollar Tree recently, I highly recommend it. They have so many products for, you guessed it, a dollar, and they’re actually surprisingly good quality. I love getting different colored bins there to organize my pantry, office supplies, and tupperware.

These are some of the bins I’ve gotten from the Dollar Tree, they come in a bunch of different colors and are a great way to spruce up any area of your house!

With each bin only being a dollar, you really can get creative with how you want to organize a space and really put your own personal touch on it. Here’s a before and after picture of my pantry, which I recently reorganized using some Dollar Store bins.

Some I already had, but using the baskets really does make a difference and help me keep everything in its place.

Another great way to organize on a budget is to reuse items that you may not normally use for organization. This could be certain types of boxes, older tupperware you don’t really use anymore, recycled candles, mason jars, etc. If you take a look at some of the things you have around your house, you may have everything you need for a complete organization project. So many items can serve multiple functions, and it’s a great way to extend the life of an item as well as save you money.

My third tip for saving money while organizing is to look at clearance/sale items, and at items that may not be advertised as for organizing but could still be useful. The Container Store is a place that is fantastic for organizing, but can definitely get expensive. A great way to shop there is to look for their sales and discounts. I’ve gotten plenty of items from there, but I rarely pay full price. Also, if you join their free rewards programs, you get coupons all the time!

Going off of my last tip, when you’re in Hobby Lobby, Homegoods, or a similar type store, try looking for items that are not advertised as for organizing, but could still be used for it. I recently bought $2 acrylic cups that were meant for outdoor dining, but instead I’m now using them in my bathroom to hold my Q-tips and cotton pads. Much less expensive compared to the $10 designated Q-tip and cotton pad holders.

Basically, the number one thing to take away from this is if you want to save money on organizing, you just have to be creative. It’s not hard to find cheaper alternatives to more expensive organizational items, or just to re use items you already have! If you’re willing to think outside the box, I guarantee you will come up with amazing ideas to tidy up any space in your house .

I hope these tips helped any of you out there looking to organize on a budget! Until next time, always keep it klassy. xo.

Top 5 Drugstore Makeup Products

Top 5 Drugstore Makeup Products

When it comes to makeup, some of us (and by some, I mean most of us) want to look our best while spending the least. It can be hard to navigate the drugstore makeup world, when there are usually no testers, messy displays and a lack of store employees to recommend products. So where do you start? The list below contains products that I think are some of the absolute best drug store makeup products that will make you look beautiful while lacking the inevitable cringe you get when looking at your total after spending an hour in Sephora.

Let me know if you guys also enjoy these products or what your favorite drugstore makeup products are!

xo

  1. Wet n Wild MegaCushion Foundation SPF 15
  • With a price tag under $9, this cushion foundation rivals any high end option you have. It’s lightweight, easy to apply (with a sponge or brush, depending on preference) and wears beautifully all day. I love the natural look of the foundation and how fresh it makes my skin look. (Also fun fact, I wore this on my graduation day, so…let that speak to it’s greatness)
    1. Revlon Kiss Cushion Lip Tint
  • These are probably one of my favorite lip products out there. They glide on effortlessly and give you a natural stain while still pulling together your entire makeup look. I love wearing this to work, at night, and for my more natural makeup days. With 10 different shades, there’s one for every occasion. 
    1. Makeup Revolution Renaissance Flick Eyeliner Pen
  • Hands down best liquid eyeliner. Period. Give this a try for yourself and you will never find yourself spending $20+ on an eyeliner from Sephora, or having smudged eyeliner 30 minutes after applying it.
    1. Milani Rose Powder Blush
  • Okay so blush is actually my least favorite makeup product.  As someone who is always naturally flushed, I cringe at the thought of applying a bright blush that’s going to make me look like a clown. This blush is one of the most natural, easiest to apply blushes that I’ve ever tried.  I love the soft satin finish that isn’t too shimmery, but just enough to give a subtle glow to the cheeks, some may say, even better than a natural flush. 
    1. Physicians Formula Butter Bronzer
  • As one of the most raved about drugstore bronzers, it’s no wonder this bronzer is amazing.  Easy to apply, natural look, soft sheen, great color pay off, affordable price tag, I could go on forever. I consider myself a bronzer junkie (a sad fact when you’re pale 95% of the year) and this one stands out against my most luxury bronzers. I find myself reaching for this on an every day basis, and I even bought a backup. If you’re new to bronzer or can’t go a day without it, this product is great for everyone with its essentially fool proof formula. OH and it also smells amazing, so that’s fun too.