Debt Free 2020: March Update

I hope everyone on this get out of debt journey with me is doing well. I’m not doing as well as I would like but by the end of March I will have paid off roughly $6,000 in debt. I’ve managed to save an additional $2,000 that stays in my savings account. I do have other savings and investment accounts that I recommend you do as well. One way I have been keeping track of my payment history is by using an excel worksheet like the one below. I also have a calendar that list every payment that needs to be made until the end of the year. I find this extremely helpful. I have automatic payments set up for all my bills but now make every payment as soon as I get paid. This has just been what works for me. I encourage you to experiment and figure out what works for you.

Excel Payment Tracker

The good news is that so far I have paid off one credit card. One thing I wish I would have done is followed Dave Ramsey’s advice and used the debt snowball method. The debt snowball method in a nutshell is when you list all your debt in order from smallest to largest and commit to paying it off in that order. As you pay off the smaller debt the money freed up then goes toward paying those larger debts. Typically with the debt snowball method you pay the minimum amount on all debt and put any extra money you have toward paying off the smallest debt. If I would have used that method I would be done paying off three credit cards instead of one.

The route I chose is someone like the debt snowball method. I committed to paying off the smallest debt first, but I also tried to get as much as my debt as possible below half the credit limit. I’m not sure if that was the smartest thing to do, but that’s what I did. I recommend doing some research and speaking with a financial advisor.

Mango Haul

I’ve got a special treat for you guys. I’ve recently done a lot of shopping and been collecting a lot of clothes to do some haul videos. Here’s the first one. This mini haul is featuring Mango. Hope you enjoy!

I’ve been wanting to get into sharing more videos and content with you guys but have been struggling to learn the video editing software. Please bear with me as I grow my page and try to provide you guys with not only diverse content, but quality content. Thank you so much for stopping by! I’d love for you to return and check out my other post!

Romans 13:8: “Owe no one anything, except to love each other, for the one who loves another has fulfilled the law.

One Brand Wednesday Ep. 3

Covergirl (Full Spectrum Collection & TruBlend Undercover Concealer)

I have to start this post by raving about the TruBlend Undercover Concealer! I recently went into the drugstore (CVS) and found this product. I’ve been using the shade D100 Golden Caramel and let me tell you the shade match and consistency is to die for. This is hands down one of the best concealers I’ve ever tried. I love that I can spot conceal with this. My new thing has been not setting my makeup with a loose setting powder, and this concealer is great with that. It doesn’t budge, but if you like to set your face it works well with setting powders as well. I personally like this better than Tarte Shape Tape and I’d say it’s up there with my Nars Creamy Radiant Concealer. One thing I will say about this concealer is that it is a tad bit dry and dries down fast. I would recommend applying this concealer in sections and blending it out section by section. If not it may dry down and make it hard to blend out. The photo below on the left is the concealer with a full face and the photo on the right shows how the concealer looks with just my eyebrows carved out and spot concealing without setting.

The next product I want to briefly mention is the New Vitalist Go Glow Luminizing Lotion with Vitamins E, B3, & B5. So far I’m loving this product. I love a nice glowy fresh face and this product gives you that. I like to layer this product over my Mac Prep & Prime Lotion. Together this pair is a dream. I have combination skin and like most of you I get oily in my T-zone. This product combo does a good job with abating oils and still giving me a fresh slightly dewy look.

Covergirl Full Spectrum Collection

I have seen the Full Spectrum Collection everywhere and have finally gotten around to trying it. I’m definitely impressed with the Matte Ambition All Day Shine-Free Foundation. I’m impressed with the color range and the finish of this product. Below you can see swatches of four of the shades, from bottom to top: Tan Cool 1, Tan Golden 1, Tan Golden 2, Deep Golden 1.

Matte Ambition Foundation Swatches
1. Tan Cool 1, 2. Tan Golden 1, 3. Tan Golden 2, 4. Deep Golden 1)

This foundation gives you a nice radiant fresh face and dries now to a demi-matte finish. I love using Tan Golden 1 on the high points of my face to conceal before applying my all over foundation shade. This foundation also mixes well with other foundations. So far I’ve mixed this with the Revlon Colorstay Combination Foundation (as seen in the picture above) and the Fenty Beauty Foundation. I tried the shade Deep Golden 1 as an all over the face foundation shade (shown below) and loved the finish but felt that the shade was a little too dark. All of my other products laid like a dream over this foundation. I would reccommend all the products mentioned in this post. Don’t sleep on drugstore products. 

Covergirl Products Used: Matte Ambition Deep Golden 1, TruBlend Concealer in D100 Golden Caramel, All Day Idol Brightening Concealer, Vitalist Go Glow Luminizing Loction

Thanks for dropping by. Please click through and check out some of my other post. Thanks in advance.

XOXO

New Mom Chronicles

Episode One: Back to Work

I’ve never known a love so beautiful and fulfilling. As my little girl continues to grow I feel like my love for her grows. I constantly joke with my mom saying, “Is this how you feel when you see me?” I’m sure you never stop loving your children, but I do believe the love you feel for them probably changes over the years. I pray that it just continues to grow.

This is love!

Everyone keeps telling me to enjoy my time with my little one because they grow up so fast. I’m already starting to feel like that is so true even though baby girl is only 10 weeks. Some days I want to stop time so I can soak up every moment with my sweet baby Scarlett. She has already started to scoot around on her back and stomach and even tries to roll over. She’s outgrown her clothes and is wearing 6 month outfits. I want time to stop or slow down so I can soak up every moment with her. I just pray I get to be there for as many of these changes as I can.

Each day my little princess seems to do something new that amazes me. She’s perfect in every way and I feel like she’s growing up so fast. That’s probably why I feel so guilty when I have to leave her to go to work. As she grows and learns more I hope that she knows how much I love her and that I would sacrifice anything for her. I thank my Heavenly Father for her daily.

The guilt I’ve felt daily having to leave Scarlett is something I’ve never felt. I never thought that motherhood would come with so much guilt. Right now I’m more fatigue than I’ve ever been in my life and I’m an emotional wreck. This morning I had to fight back tears of sheer exhaustion and guilt. I didn’t want to come into work; I wanted to sleep and most importantly I wanted to be with my baby girl. I’m on my fourth day of having to be away from her for ten hours and it doesn’t seem to be getting any easier. I’m sure much of the emotions I feel have to do with the sheer exhaustion I feel, but I’m doing my best to push through.

Patience. That’s my word for the rest of the month. I just have to remember to have patience with this new journey. My family has grown and there are going to be some growing pains. I just have to start each day with a positive outlook, seeing as Scarlett is a morning baby and is always smiling at me that’s not hard. I make sure I love on her and bond with her as much as I can when I’m with her.

XOXO

One Brand Wednesday’s Ep. 2

Lime Crime’s Spin the Dial Set

There has been a lot of controversary surrounding Lime Crime, which I’m not going to get into. I will say that it initially turned me off of making any purchases from the brand. One thing I’m very impressed with when I look at Lime Crime’s website and Instagram page is that it is very diverse. Their Instagram page features a very diverse group of people and they offer a large amount of products that are unique. Lime Crime is not one of those brands thats dropping products just to drop them. It seems like they put a lot of thought and effort into their products. I currently have a ton of products from them that I want to try, but this post is about the Spin the Dial Set.

Spin the Dial

I’m not sure when this lip set came out, but I love it. I’m sure I’m not the only makeup lover/hoarder that buys products and they just sit for a while. But honey, now that I have tried this set I have to say I’m so impressed. I love the liquid lip formula, but I’m more in love with the wet cherry glosses. I’m a gloss girl! If I have a no makeup day, which is 90% of the time I will always put on gloss. These glosses are awesome everyday glosses. I would definitely recommend this brand. If the Spin the Dial Lip Set is not available they do sell the glosses and liquid lips separately. If you try any of them let me know what you think.

Hey Loves, I’m going to be uploading a ton of content and trying out different things. I realize that most of my readers don’t come from Instagram and therefore don’t see a lot of the images or content I post about on Instagram. Please let me knotw if you prefer videos or photos and let me know if there is content you would like to see. I love to hear from you guys! ♥️