Showing posts with label finance. Show all posts
Showing posts with label finance. Show all posts

Sunday, February 1, 2009

homemade body scrub


Scrubbing your skin at least once or every other month will help remove dead skin cells and promote healthy skin. There are numerous spa centers within Angeles City and body scrub service ranges from Php420-Php850. If you want to cut down your personal expenses, just head towards your kitchen cabinet and make your own body scrub.



Begin by hunting for ingredients that will exfoliate and moisturize your skin. I'm sure you have brown sugar, salt or coffee in your kitchen cabinet. Your next step is to look for a moisturizer such as coconut oil, olive oil, honey or avocado. These will keep your skin looking younger and smooth. Then adding a little fragrance or aroma such as vanilla or lemon will make a nice complement.

NOTE: If you're allergic to any of these ingredients, please do not use them as a scrub.


Here's my favorite homemade scrub recipe:

Mix together one cup brown sugar, one cup organic oatmeal, one half cup honey and about three tablespoon of lemon or calamansi juice. Apply the mixture all over your neck, arms, body and legs with gentle, circular motions. Let it dry for a minute then rinse off with lukewarm water.

You don't need to spend a fortune to look and feel great.
All you need to do is put together the right ingredients that appeals to you and enjoy your healthy smooth skin!

Tuesday, January 6, 2009

Money-Saving Resolutions

In 2009, I am committing to these money-saving resolutions.

- It'll break my heart but I need to ditch my designer coffee habit. It gave me palpitations years ago so I promised not to drink coffee anymore. Well as they say, promises are made to be broken. My hectic schedule as a trainer pushed me to drink that tempting, aromatic liquid again. So this year, instead of heading to SM Clark Starbucks, I'll settle with a cup of Nescafe classic at home.

- Goodbye to my credit card debt. I’ll need extra discipline to ignore whatever heels or lingerie that will catch my eye until I’ve paid my balance.

- Settling my bills online will save me both time and energy instead of going personally to the bank. Besides, I will have real time access to my income and expenses so BIG thanks to BPIExpressOnline!

- I will allocate a little more on our lot amortization. Allotting an additional Php5,000 a month on our current paying plan will save me around Php40,000 and I could pay it off over two years early.

- Sticking to my monthly budget is a bit difficult. If I can't keep up to it, I will try budgeting expenses weekly. It's always wise to know where our income is going and it'll help me determine any unnecessary expenses.