Financial Concerns


canadian-moneyI never had much trouble with my finances until before I became ill back 5 1/2 years ago. Sometimes people who have mental illnesses do not make the best judgement calls where money is concerned. In fact, people with no mental illness at all make mistakes where money is concerned. But since I got into debt about a year ago and had to have my Dad co-sign a loan for me to pay off in 5 years I have tried extremely hard to be financially responsible but sometimes my love of shopping or tendency not to think how much money I have to spend, gets the better of me.

The worst aspect I have found about living on a really limited budget, as a person on disability from a job as a receptionist/admin assistant, is that there isn’t room for me to have an urge to buy something because some months, even affording what I need is impossible. For instance, I have to take good care of my skin because if I don’t I break out badly. And if  I don’t use the right products I break out from a reaction to those bad products. I use Clinique products and a Korres anti-aging serum but this month had to give up the serum because I couldn’t afford it. I’m surviving on beauty samples now and I hope they last until next payday so I can buy my particular Korres serum and not little samples of different creams/serums from Murale and Sephora.

 

The worst aspect about being in debt is knowing that the approximately 5 year loan I have to pay off, won’t be paid off until I am 32

www.stevewright.info
http://www.stevewright.info

years old and that the extra $400.00 I am paying  to the loan would help me greatly and make my budget less tight. I could save for stuff then, and go on a vacation or be able to have extra money to pay off other debts I need to pay off when it is a pricey month. It frustrates me when all I want to do is work like everyone else and make a better pay cheque but I am to sickly to even try to work for a few hours a week. I just can’t concentrate and pay attention now.

I live at home so that saves me $ because I couldn’t afford to live alone, and I have cheap rent. I only really have to pay my loan payment and my benefits from work. But sometimes when I do the dumbest things such as I think I can afford something but I can’t, and then I try to return the item and the store online is slow at returning my money so then I can’t pay my loan I feel such self loathing. Thank God my Dad co-signed my loan for me but I am trying so hard to keep a budget and not have my parents have to pay for any of my loan. Maybe I’m not the best person to be giving financial advice to people but there is a few things I have learned that I can tell those of you who are really tight on money:

1. Put a bit of money in a RRSP each month even if it is only $25.00 for your future.

2. Make sure you have enough $ to pay your bills first, don’t just assume there is money left in the bank to pay them.

3. Make a list of things you “actually” need each month and decide which of those items can wait and which of them you absolutely have to buy.

4. If you spend on credit card make sure you pay the amount off as soon as you spend that money and get home.

5. Look for Groupons, Teambuys, Dealfinds, etc. for salon needs such as haircuts, highlights, massages, (etc) and events you like to go to such as a Beer Festival or Yoga classes because you can save a lot of $ that way. Also, you meet a lot of interesting people going different places for less rather then just the same old expensive place. But make sure you place those coupon deals somewhere where you won’t forget about them.

6.  Pay more for classic pieces of clothing that can be worn for more than a year and can be mixed with other classic pieces and shop less often. If you can wait for these items to go on sale, do.

7.  Make sure you give a percentage of your income to charity because it is the right thing to do and it will help you on your income taxes.

8. Eat out only once a month at a nice place, and bring lunch to work or school. Learn how to cook well so you don’t have to keep ordering out — grocery shopping is cheaper and usually much better for you. Just don’t grocery shop when you’re hungry.

9. Find things to do that don’t cost a lot of money like walking your dog, getting a membership at a recreation center, or having friends over for some snacks and wine.

10. Always have a reserve fund. Just like the RRSP contribution it can be small but there needs to be at least something in that account for emergencies.

Best Foundations For Sensitive and Oily Skin and the Worst!


Over the last 6 months I have tried many different foundations for my skin. Some foundations I have been happy with and other foundations I have hated. When I look for a foundation I am looking for one with good coverage so it makes blemishes and redness disappear. I am also looking for long-lasting coverage,  morning to-night coverage if possible. The third aspect I look for in a great foundation and perhaps the most important is that is does not cause any rash or cause me to break out more than I was breaking out before. I never had a foundation give me a rash until one of the foundation’s  I tried in the past 6 months gave me one. I was a bit shocked when that happened. Anyways, here are 5 foundations I tried for at least 2 weeks each. Three of them I was happy with and two of them I was not.

www.lancome.ca
http://www.lancome.ca

1. Lancome Teinte Idole Ultra 24 HR Foundation is my most favorite foundation because it gives you a flawless complexion. It is “shine” free and “retouch” free so it lasts all day and your face does not look greasy after wearing it for a while. The “stability of Eternal Soft Polymer” within the formula of the foundation “allows for 10 % of comfort agents within the formula” to increase the feelings of ease and “freshness” when the foundation is applied, says http://www.lancome.ca.

The foundation comes from 8 years of research at Lancome and can be found in 20 different shades. Since I am a pale woman I find it hard to find foundations that are light enough for my skin color but in Lancome Tenite Idole Ultra 24HR I am 100 Ivoire N and it is the perfect shade for my skin. I loved this foundation most of all because of how it felt on my skin, light and fresh, yet it covered extremely well, even into the evening. All I had to do was touch up with a bit of powder at night and I was good for going out. The only bad thing about this foundation is the price. Although, the foundation does last a while, 3 to 4 months, it is $50.00 and if you’re on a budget you just can’t afford that price all the time, so I have decided to save this foundation for use in the summer when I don’t want my makeup to melt off from the heat. Not to mention, the foundation is also SPF 15.

2. Clinique Perfectly Real Makeup – Clinque’s perfectly real makeup is great and is in fact, my makeup of choice now. It has

www.clinique.ca
http://www.clinique.ca

medium coverage and comes in 25 different shades and I use shade 1. It’s greatest asset is that it controls oil and it’s for Dry Combination and Combination Oily skin (Types 3 & 4 if you use Clinique skin care). It  has a nice texture that spreads out on to skin well and covers blemishes and redness. Although, I do find you need a better concealer with this makeup (try Lancome MAQUICOMPLET complete coverage concealer for $32.oo), I still love it because Clinique products are so gentle on your skin, are oil free, hypoallergenic, and will not irritate your skin in any way. I do wear powder foundation over it, just like I do the Lancome foundation, but what I really love about this foundation is that for the most part it stays put. It does not dry out your skin in the winter and it is only $26.00 US so around $28.00 Canadian. I highly recommend it for very sensitive skin and if this particular Clinique foundation is not for you there are plenty of other good one’s you can try for around the same price. My only complaint, is it is not the best makeup to wear in the summer because it tends to melt off mid-day. This is why I would choose the Lancome foundation in summertime.

www.bathandundwind,com
http://www.bathandundwind,com

3. Korres Pomegranete Foundation – Another makeup I bought and tried was Korres Pomegranate Foundation. I tried and put it to my sleepover bag because it is only available in 4 different shades. I chose PF1 the lightest and it is a bit too yellow for my skin tone which has more blue or pink undertones. It is great because it is SPF 15 and offers full coverage with an “elastic” formula which conceals imperfections and redness and offers a matte finish. It is ideal for combination and oily skin and is made with ” Pomegranate extract” which Korres claims “tightens and heals” skin (www.bathandunwind.com).

I very much enjoy wearing this makeup and like how matte it is and I love other Korres products because they are naturally made in Greece. The pomegranate products in particular are made for combination and oily skin types. The only thing wrong with product, is that the color is just not quite right for me, but it may work for you. I think it might look better on me in summer when I have a bit of a tan but I’m not sure. However, after a while the foundation does seem to blend and sink into your skin so the color does not look off, just remember to blend well. The price is also great at just under $30.00 Canadian for a tube.

4. Smashbox High Definition Healthy FX Foundation SPF 15 – This foundation was $44.00 and

www.sephora.com
http://www.sephora.com

comes in 7 shades and I am faire F1. While it seemed like a neat foundation to try because the pigment is so good in the Smashbox eyeshadow and pencilsI have, the foundation really was not that impressive, here’s why: this “revolutionary” formula is supposed to be packed with all these super ingredients such as Vitamin C, and “cell-energizing ribose” to “renew” the appearance of skin. It also has “time release moisturizer” and “firming” benefits that last all day but I don’t think it’s a long-lasting foundation. I found it wore off mid-day and like the Smashbox Primer does, made my skin really greasy. The color was bang on but the foundation just didn’t stand up to my skin and in fact, made me break out. The only saving grace about this foundation is that I had samples from Sephora to try so I didn’t actually have to buy the foundation. I’m lucky I did because it would have been a waste of $44.00 which is on the more expensive side for a foundation. This foundation clearly, was not made for sensitive or oily skin even though I was told it would be great for my skin from a Sephora representative.

www.maccosmetics.com
http://www.maccosmetics.com

5. MAC Pro Long Wear Foundation – This foundation was supposed to last for 15 hours on your skin, yeah right! Not only did it not last, the foundation was streaky and the lightest color was too orangey for my skin. I had never tried MAC foundation before except for their Mineral foundation and I was not happy with that one either but the mineral foundation at least was gentle on my skin. This foundation was not. I began to break out a great deal and my face always felt greasy despite claims that the foundation was supposed to do the opposite.

Worst of all, if you have sensitive skin, I don’t think MAC foundation is good for you. I got a peeling rash around my mouth from this foundation that immediately began to heal when I stopped using the foundation. Every time I tried to use the foundation again it would irritate that rash and make it worse again. I’m not sure what is in this foundation that made my skin react but well it wasn’t fun. I am a big fan of lots of other products that are MAC such as blush, eyeshadow, pencils, and lipsticks but I think I will stay away from their foundation from now on.

In case you are interested in trying it and your skin is not as sensitive, the color I used was N15 and and it cost $37.00 Canadian. So, it’s in the middle price range. This foundation I unfortunately bought but remember you can save all your makeup containers from MAC for an eye shadow or a lipstick once you collect 5 and return them to the store. I will wash out the foundation and save the container for that! It’s always good to recycle when you can.