Faces By KLM

Refillable Compact

We tend to get all too excited with the growing evidences that the economic recovery is just around the corner. These positive indicators do not give us enough reasons for us to return to our old ways and lower our guard on our spending. Those little cutbacks here and there are what could have tide you over during the most difficult times in the past. This brings us to the things that we must do amid the lingering economic difficulties. We may not have to make BIG sacrifices this time, but there is still room for some improvement as we try to stem and manage the expense side of finances.

Here are some little EXTRAS which you might seriously consider to add in your list of "must-do."

1. Avoid paying annual fees for your credit cards. There are other credit cards that don't charge annual fees and still offer the same perks such as travel insurance and warranty extensions.

2. Use VoIP service provider to cut down on your phone bills. You will spend about $30 for your local and long distance calls plus your caller ID and messaging.

3. Before you make your final choices, consider as many proposals and quotes as possible for your auto and home insurance to ensure that you are getting the best deals possible. Getting loyalty discounts from your current insurer does not mean that this is the best deal. Other insurers might offer the same proposal at a much cheaper price.

4. Replace regular bulbs with compact fluorescent lights or CFLs. While the CFLs are more expensive than regular bulbs, the amount you save for using the former is more than enough to cover this added expense. With a $3 CFL, you can save as much as $50 over a span of 5 years.

5. If your lock-in contract with your mobile communication service provider is about to end in a few months, discuss their retention offers. Make them feel that you are seriously considering offers from other service providers. In that way, you can leverage the best deal from them.

6. Consider cutting down on those regular trips to Starbucks and Tim Hortons. If you can manage, bring one to office in your travel mug or thermos. You will be surprised at how much you can save if you stick to this routine.

7. Install a tried and tested water filter system in your home to cut down on your expenses on bottled water. You can just have refillable bottles to go with your water cooler. Just don't forget to replace the water filter every 3 to 6 months.

8. Conduct an assessment of your current package with your cable TV service provider. Try to list up those channels which you can afford to give up. Downgrading by one tier can give you a monthly savings of about $20.

Another aspect that you must seriously work on is your spending behavior. You have to spend time to assess your shopping routine. It is important that you put yourself on a short leash every time you enter the grocery store. And the best way to do this is by having a checklist. Research has shown that over 60% of consumer purchases are considered impulse buys. You can better manage your expenses if you have a list of essentials every time you visit the supermarket.

You can think of other cost saving measures which you can implement in your home. The key to success of any cost saving option is the commitment and support of each member of your household. Be conscious about how much you are able to save on a monthly basis. The figures that you get are enough incentive for you to continue with your cost saving initiatives.

Learn how to sell your own house here: For Sale By Owner

If you're looking to buy a home from an FSBO listing check here: FSBO Listings

What Stila Eyeshadows do you like most?

I cant figure out which ones i like the most. and i dont want to have a bunch everywhere, so i want to get a refillable compact from them. so which 3 do you like?
Oops i forgot the picture

kitten, mamto, cha cha
but since mamto is out of stock i would choose... vicla

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MARY KAY PLATINUM REFILLABLE FOUNDATION COMPACT    US $5.95

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Mary Kay Refillable Compact (Unfilled)    US $9.99

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Chanel Poudre Facettes Perfecting Powder Compact Refillable Voile Daylight    US $50.00

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Mary Kay Black Mini Compact (Refillable) GREAT SIZE! Holds a Variety of Items    US $14.95

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NEW PHYSICIANS FORMULA BAMBOO REFILLABLE COMPACT    US $6.00

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Stila Eyeshadow Black Cat With Refillable Compact!    US $15.00

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BARE ESCENTUALS MINERAL VEIL MIRRORED REFILLABLE COMPACT-NEW-6G-FREE SHIP    US $21.95

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Aveda Essentials Envirometal Compact, Small Refillable Makeup Case, with Mirror    US $12.99

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STILA REFILLABLE COMPACT FOR EYE SHADOW PANS    US $6.99

Mary Kay Compact Mini Refillable Black Compact New in Box FAST SHIPPING!    US $4.99

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JANE IREDALE REFILLABLE GRAPHITE POWDER COMPACT W RED SWAROVSKI CRYSTAL IN BOX    US $18.50

Bare Escentuals Refillable Mirrored Compact WITH SIFTER AND BRUSH– Brand New ID    US $14.99

Stila Refillable 3 Pan Eyeshadow Compact ~ New, No Box.    US $9.89

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ESTEE LAUDER SIGNATURE PERFUME SPRAY REFILLABLE PRIVATE COLLECTION COMPACT .25    US $19.95

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Mary Kay Grey Platinum Refillable Color Compact New in Box will combine shipping    US $1.99

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Vintage Flower Compact-Stratton Made In England-3" Across-Refillable    US $2.74

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Keurig MINI Plus Brewing System $115.00 Keurig MINI Plus Brewing System Heat and brew a delicious cup of coffee, tea, hot cocoa, or iced beverage in under two minutes with the MINI Plus Brewing System by Keurig. This personal brewer is ideal for home offices, dorm rooms, or vacation homes and it accommodates three sizes of cups. Its removable dip tray allows room to fit mugs that have a six, eight, or ten ounce capacity. To use this rel...

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3-1-1 Totally Compliant Carry-on Kit $24.95 TRAVEL OFTEN BUT DON'T LIKE THE HASSLE OF CHECKING YOUR BAGS? THEN THIS IS YOUR KIT The 3-1-1 Totally Compliant Carry-on Kit comes complete with ten easy to fill, leak proof flexible squeeze tubes (six-2 1/2oz & four-1 1/2oz) including both content and size labels plus one of our 1 3/4 oz Envirosprayers so you can take just the right amount of hairspray or facial moisturizer. You can fit all ten f...

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Faultless Tiny Kit (Reusable Douche) - 16 Fl Oz Capacity $6.99 The Faultless Tiny Kit is the easy and economical way to get that clean, fresh feeling. It is very convenient to use. You just fill the soft latex bag, attach the pipe ans squeeze. Holds up to 16 fl oz. Perfect for use at home or away. Attractive, compact storage case included....

Pigeon Baby Powder Puff Kit (Made in Japan) $12.89 How to clean: Hand wash with mild soap and rinse clean with water. Wrap a towel and squeeze the excess water. Let the furry puff side up to air dry. Pigeon is a renowned Japanese company producing high quality baby products. Selling in over 50 countries and for nearly 50 years, the company has earned a reputation for safety and reliability around the world. Made in Japan....

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