Low waste (and low cost) skin-care swaps

In my quest to create less waste and spend less money, I’ve actually discovered several skin care swaps that have my skin feeling better than ever.

Ice roller -> lavendar infused ice cube

Ice rollers or jade rollers have been popping up on social media a lot of late with beauty bloggers swearing by them. The supposed benefits include

•reducing puffiness

•increasing bloodflow

•reducing appearance of pores

I have no idea if any of that is based on fact but I kinda loved the idea of rolling something cold all over my face! 🤣

A “sustainability influencer” suggested making your own by adding a drop of essential oil into ice cubes so I tried it and loved it. I use it every morning now. It helps me wake up and I feel like it reduces any puffiness. Also, smells amaaaazing. Cheap and easy to do but it feels like a luxury!

Oil-based cleanser -> Almond oil

Every night, I remove my makeup up (which is typically just tinted moisturiser and mascara these days) with Sweet Almond Oil and a hot face cloth. Just work the oil into your skin for a minute or two and then remove with a face cloth (mine are bamboo)you’ve run under the hot water tap. It’s dreamy!

After that, I wash with a facial cleansing bar to make sure my face is properly clean.

Then, cos I’m fancy AF, I spritz my face with some Rosewater.

Serum -> homemade oil blend

Instead of a super expensive serum, I made my own blend of Sweet Almond Oil and Argan Oil (50/50) with a couple of drops of frankincense. I read that frankincense has anti-aging properties and I have no idea whether or not that is total bullshit but it smells good and I cross my fingers!

Homemade scrub

Once a week, I exfoliate with a homemade honey and brown sugar scrub.

It’s so cheap and easy to make and if I accidentally get any in mouth, it tastes fab!

Homemade body butter

For years, I just used Palmers Cocoa butter and it was the only thing that I felt worked. I have pretty dry skin especially here in London where the water is really hard (I actually really miss the humidity of Taiwan!).

That was until I tested out this recipe that I came across on Instagram over the Christmas holidays.

You take equal parts;

• Shea butter

•Cocoa butter

•Coconut oil

Put them in a glass bowl and place over a saucepan of water. Boil the water and wait for your mixture to melt. Once it’s melted, let it cool for a few mins and then pop it in the freezer to solidify it a little. When it’s started to solidify around the edges, take it out and use a whisk to whip it up. When you have a nice fluffy consistency transfer it to a jar. I use a salsa jar because I eat chips and salsa at an alarming rate and always have a ton lying around my kitchen! You can also add a couple of drops of essentail oil if you want to make it scented.

Tranistioning from “normal” moisturiser to oil did cause some breakouts for a couple of weeks but I’ve now followed this regime since last summer and my skin is happier than it has been in years!

Let me know if you try any of these and how you get on with them.

How I Got Out of Debt

When I moved to London, I had some savings but not very much and I quickly burned through what I had.

Up to that point, I hadn’t learned very good habits with money but I had also never needed much for what I wanted to do. I travelled a lot and the cost of living was always affordable wherever I landed.

Getting into almost £10k debt was a combination of learned behaviours and a big change in living situation. I’d just spent four years in Taiwan, city with a low cost of living and great wages (for foreigners), and arrived in London which has pretty terrible pay comparatively and a sky high cost of living.

I had a number of core beliefs about money and about how I ‘should’ be living. To me l, money was never abundant and the lack of it a constant source of stress. My belief was that there would never be enough of it and making ends meet would always be a challenge.

When I arrived in London, I was about to turn 30 and wanted to to appear to be living a lifestyle of a 30 year old and not of a broke student. In Taiwan, I’d lived comfortably and still been able to afford to go on holidays and go out every weekend. In London, my first job was as a temp and I wasn’t even making enough for rent!

I had to buy winter clothes when I arrived because I didn’t have any and quickly developed a shopping habit I couldn’t afford. In hindsight, I think I believed looking the part of a 30 year old who has it all together would help me get it together!

On top of that, I didn’t have many friends and was struggling with loneliness missing my friends in Taiwan so I had to get out and about. I felt like I had very few choices; I could stay in and save money alone and depressed or I could go out and try to make friends and end up in debt and also be depressed. I opted for the latter because being depressed and lonely is worse than being depressed and broke but with some friends and fun included!

It was all an absolute shit storm for my mental health and I had worse anxiety and depression than Id ever experienced. I felt trapped in my job, trapped in my living situation and full of resentment towards anyone and everyone who appeared to be thriving in London.

Before I knew it I’d managed to get myself over £9k in debt and also needed a dental implant that was going to cost me over £2k. 😮

I had a maxed out credit card, a maxed out overdraft and two loans I’d taken out in attempts to consolidate the debt. I didn’t know what the fuck I was doing!

So how was I going to get myself out of it?

I first had to admit that my relationship with money wasn’t healthy and that it needed to change. Second, I needed to get really focussed and disciplined about cutting back and living well within my means.

I had to admit that one of my main problems was that I bought too many clothes and I couldn’t blame everything on London prices or charity work being relatively lower pay.

I had to earn more money and spend less.

So I made it my business to learn as much about money as I could. As soon as I started reading, I realised how little I knew and how empowering getting my finances under control could be. I read blogs and articles, followed IG accounts and listened to podcasts. I probably became really annoying because once I’m interested in something, I get a bit obsessed!

My anxiety reduced almost immediately when I realised that I did have the power to get myself out of the situation I’d put myself in. There were lots of resources and groups out there to help me and there were 100s of things I could do to save money and make extra cash.

How I did it……

First things first- Get a full picture of your finances

Write everything down!

Calculate your total debt

It can be scary but if you are going to pay it off, you need to know what you are working with.

Calculate all your income

Salary + any additional income you have coming in

Calculate all your expenditure

Every penny. You need to know how much you spend on every single category so you can see where you can easily cut back. There may be some really easy ones to get you started like daily coffees and other little things that add up fast.

Spend less – Cut back where you can

Separate your expenditure into two categories: Essential and Discretionary

1.Essentials

Essentials are things you CANNOT avoid. Not Starbucks coffee on the way to the office 😂

Rent

Phone bill

Utility bills

Transport/car expenses

Loan payments

Medical bill or prescriptions

Groceries

Can you save on any of these?

Could you move to a smaller place and save on rent?

Could you save by selling your car and downsizing to a cheaper model?

Are you getting the best deal on your utility bills? Or phone provider? (I saved £20 a month on my bill AND got a new phone by finding a better deal through moneysavingexpert.com and switching providers).

You can save a lot on your groceries by planning ahead what you are going to cook and what you need, making a list (and sticking to it!), swapping name brands for supermarket own brands, going to the shops with a full stomach

2.Discretionary

Discretionary spending is all non-essentials. If you are in a lot of debt and struggling to make ends meet, you might have to cut most of these back for a couple of months to get yourself to a more stable place. If that sounds scary, don’t worry I will be posting lots of tips on how to look after your mental health for zero cost to get you through!

Memberships/subscriptions (Spotify, Netflix, gym)

Eating out

Shopping

Donations (help yourself first and then you can help others!)

Make your budget.

Your income – your essential expenditure = what you have left to pay off your debt/save/have fun

If this is all new to you, you won’t go far wrong with Dave Ramsey! I also use his Zero Based Budget https://www.daveramsey.com/blog/how-to-make-a-zero-based-budget

Earn more

Once you are cutting back and throwing as much as you can at you debt, you can start to think about ways to earn more and get it paid off even quicker.

Could you get a new job with a better salary?

Are you due for a promotion?

Do you have a spare room you can rent out?

Do you have a car?

Can you teach online?

This is a list of the things I did to make more money and pay off my debts quicker

  • Sold some clothes and other items at home that I was no longer using. I used Schpock and Facebook market place as both platforms are free and for local use. Instead of posting things, I arranged to meet with people and exchange the items. I have also used both to buy some second hand things.
  • Matched betting – I read about matched betting in a couple of blogs and decided to give it a go. Matched betting is a way of taking advantage of the free credits that online gambling websites give you. It’s totally legal and a great way to make money. It takes a bit of getting used to and you will definitely need a tool to help you in the beginning. I use Profit Accumulator www.profitaccumulator.co.uk/, which had tutorial videos, software to help you choose best and calculate your profit. I made £1,800 in two months which was a MASSIVE help! I took a break for a couple of months but went back to it recently to earn some extra money for travelling in 2019.
  • Switched bank accounts to earn a ‘bribe’ of £200 (check out moneysavingexpert.con for up to date bank bribes.)
  • Moved my credit card balance to a 0% card to reduce the interest. At the time, I was also awarded £25 cashback for switching. (moneysavingexpert.com is a great resource for keeping up to date with the best offers)
  • OhMyDosh – is a website where you can take surveys, sign up for free trail to earn money- so far, I’ve made over £100 on there doing free trials.
  • YouGov – through surveys on YouGov I earned £50. It did take about 6 months though so this is not a fast cash option! I did the surveys mostly during my commute to kill time and was delighted to learn that you can keep going to earn another £50. I have also done some YouGov focus groups which oten pay up to £60 for a two hour session

I did have a few challenges on the way – I had to move house (for the 6th time in 3.5 years….) and on top of moving costs, my rent increased as well. I also burned my leg really badly in the summer and spent over £200 on taxis to hospital and doctors appointments as well as a considerable amount ordering in food and buying medication and bandages because I had just moved in, had no food in the house and wasn’t able to walk. The combination of these two things burned through the majority of my emergency savings, which was disheartening but it was an emergency and that is exactly what I needed it for! It was a shame that it was spent almost immediately after it was saved but I was so glad it was there and for the first time, I wasn’t using credit to cover an unexpected event. I’ve since replenished my £1,000 emergency fund and now I’m working on having 2-3 months of expenses.

Living within or below your means isn’t always fun when you don’t make a lot of money but it’s honestly reduced my stress so much that’s it worth it! I would love to travel more, have nicer clothes, go out to dinner more, buy a house, go to more concerts but I can’t afford that lifestyle right now and the only way I will is by finding ways to make more money. That’s the next step!