SUMMER IS STILL HERE…EMBRACE IT!

 

Summer requires some special beauty trick and tips:

1. The sun, salt and chlorine will change colored hair. Before going into chlorinated or salt water, rinse your hair in fresh water.  The dry cuticles will soak up the salt or chlorinated water.  However, if your hair is wet, it won’t soak up the salt or chlorinated water.

 

2. Another tip before going into a chlorinated pool would be to use leave-in treatment for your hair to protect it.

 

3. Do not over exfoliate in the summertime, as you might do in the winter.  Exfoliating removes the top layer of skin making it more susceptible to sun burns.

 

4. Do not shampoo daily.  It dries out your hair.  Use a dry shampoo to help soak up any extra oils, making your hair healthier.

 

5. Instead of tanning your face use a bronzer.  Once again, that will be healthier for you and you will be happier with your face years later.

 

6. Always keep your summer make-up minimal.  Minimal and sheer is the way to go when it is hot and muggy.  Try to use tinted moisturizer rather than your normal foundation.  Tinted moisturizer will still cover your flaws, but will be less cakey.  When it is humid, your foundation can feel like it is melting off your face, where tinted moisturizer won’t.  If you do use a tinted moisturizer, use one with an SPF in it.

 

7. Humidity can wreak havoc on your hair. Instead of fighting the elements, go with it.  For curly hair, use a leave-in conditioner. Your curls will be protected, but not frizzy.

 

8. If you have straight hair, let it dry naturally.  Most hair has some wave it.  Beachy waves never go out of style!

 

9. Sand at the beach acts as a natural exfoliate for your feet. Use it!

 

10. Always drink plenty of water. Beauty starts from the inside. 

AUGUST EVENTS

 

1 - National Mountain Climbing Day
3 - National Watermelon Day
10 - National S'mores Day
12 & 13 - Perseid Meteor Shower - peak dates vary
13 - Left Hander's Day
14 - V-J Day
28 - Stuffed Green Bell Peppers Day
30 - National Marshmallow Toasting Day 

PERSONAL FINANCES

 

We are always looking for ways to help with our personal finances. Here are a few tips to consider:

 

1. Be sure to have an emergency fund, also known as a “rainy day fund.” Without an emergency fund, you do not have a backup plan if you run into an unexpected bill or lose your job. As a guide, your emergency fund should hold enough money to pay for six months of living expenses, including mortgage/rent, food, and all other bills.

 

2. Once you have a savings or emergency account, make investments work as a second source of income for you. There are many apps that will help you invest. One such app is called Stash. You can set it up by investing $5 a week and forget about it.

 

3. Live within your means. The urge to keep up with your friends and co-workers may lead to you spend money you don’t have. The more you stress over your bills, the more difficult it will be for you to focus on your personal financial goals. You will have more options if you can live within your means.

 

4. Look into refinancing your loans or consolidating your debt. By refinancing, you are taking out a new loan, hopefully with a lower interest rate. By consolidating, you are putting your debt in one sum with one interest rate. It will be easier to keep track of and you could save some of money.

 

5. The earlier you begin saving for retirement, the more that compound interest works in your favor. A company 401(k) is an excellent way to get started and, in cases where the employer offers a match, can actually give you access to free money for retirement.

 

6. Carrying a balance on a credit card means you are paying a sizeable amount of interest for the privilege of using someone else’s money. If you miss a payment, you could be hit with high late fees. Do not use credit cards as a long-term financing solution. There is no benefit. Try to pay your credit cards off every month.