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Look Good for Less All Summer Long

To look your best in the summertime, you may feel as though you need a whole new set of beauty products. But stocking up can be costly and unnecessary. Before you plunk down a wad of cash and raid the shelves of your store, be sure to consider some tweaks to your routine first.

Gigi Anders, senior writer at the fashion and beauty site MyLittleBird.com, explains that summer beauty woes include sweat, grease and frizz. The good news is that you can combat them with these strategies.

1. Don’t sweat it.

Sweat is inevitable in the summer, which doesn’t exactly make you feel attractive. There is only so much you can do to avoid it on a hot summer day. Anders suggests blotting papers for your face if you want to free yourself from oil while leaving your makeup intact. Perspiration can also be stopped in its tracks with tissues. Carry them in your purse to blot your face temporarily. Individual packs can be found at the dollar store or other stores for just a few bucks.

If you’re the type that feels naked without something on your eyes, certain products can make all of the difference for keeping moisture at bay. When it comes to accentuating them, Anders suggests finding waterproof products that won’t budge until you remove them at night.

2. Cleanse and exfoliate for less.

Also remember that greasy skin is never in style. Consider avoiding any cleanser that leaves your skin feeling that way. Try samples from makeup counters and see what works best for you. It’s a more economical way to try out a new product. This way, your wallet doesn’t have to feel the effects of trial and error purchases that can leave you with a big bottle of something that doesn’t get the job done. Even if you are allowed to return it, it can be a hassle.

If greasy skin isn’t an issue, being in the sun can leave your skin dry. Don’t forget to exfoliate. Consider Ander’s best thrifty tip for skin care: “One great exfoliating trick I love is using a baby washcloth a few times a week with lukewarm water and my cleanser. It helps to get rid of that dead skin that sits on top.”

3. Practice random acts of hair care.

The beach and the sun can wreak havoc on your hair. What looked polished and pretty in the morning can quickly turn into a frizzy mess by noon. Anders recommends a leave-in conditioner to keep locks hydrated and not oily.

She also explains how wearing a deep conditioner on damp hair with a shampoo cap overnight can also help. She suggests pulling your hair back into a ponytail, messy bun or cool braid to remedy the frizz in one fell swoop. Your local drug store may also offer serums and anti-frizz sprays at reduced prices this summer.

4. Put a lid on hair issues.

A few natural highlights from the sun are great, but too much can have your hair looking brassy. It can also zap the shine. Avoid lackluster-looking locks by throwing on a hat while at the beach or wherever you might get a bunch of sun exposure. You can reduce the amount of money you would ordinarily spend on products to prevent these issues or correct them.

5. Check out the men’s aisle.

Because of the shorter outfits of the season, many women end up shaving their legs more often than usual this season, and that can result in purchasing more personal care items. It turns out that shaving cream and razors marketed to women are often more expensive than the men’s versions. To save money, consider shopping in the men’s aisle for your supplies to spend less.

Just by shopping smarter with a little strategic planning, it’s possible to combat beauty barriers and look great in the summer. You can have some extra cash in your pocket while ditching sweat, grease and frizz. Use the tips provided to make better spending decisions to look your best for less this summer. Switch to more economical purchases moving forward — you might even stick with your new habits as the weather turns cooler, too.

More from U.S. News

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10 Ways to Save While Gardening

Look Good for Less All Summer Long originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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