Beauty 4 Moms

When you are having financial difficulties and can’t seem to make your bill payments on time, your credit score will suffer. There are a number of reasons why your financial obligations have become a struggle.  If you are not making enough money at your job or if you are not controlling your spending and live without a budget, you may find times getting tougher every day. The cost of living in general is continually on the rise and as a result, consumers need to start changing their money habits or face the consequences.

The Face of Bad Credit

When you make late bill payments or miss bill deadlines altogether, it has a serious impact on your credit score and your overall health. Rates of depression, stress, and anxiety are just as much on the rise as gas prices and they lead to a multitude of serious aftereffects. Being constantly worried about how to make ends meet with no plan in sight tends to cause deterioration to your physical, mental, and emotional health that no expensive skin care routine can correct.

Know Where You Are

Obtain a copy of your credit reports and see exactly where you stand financially. It will cost you a small fee to obtain your credit score but it’s worth it to start your journey with the right information. You can also get a free credit scores online. Other services offer it for free as well but they’ll also tie you into some form of a free trial which later on becomes a paid subscription. Review all details of your credit report for accuracy and dispute the data that is incorrect with the individual credit bureaus.

I'm sure we would all love to have elegant up-dos or flowing wavy locks on a regular basis but the truth is most of us have busy schedules, long hours, and crazy mornings. Spending an hour on hair each morning simply isn't a reality.

That's why I love styles that make me look put-together and pretty, but only take about as long as my Keurig takes to brew my coffee. That is why I’m all about a stylish ponytail!

To create a stylish ponytail all you need is 1 bobby pin, 1 no-damage elastic hair band, a tail comb {a comb with the long skinny handle}, and your choice of hairspray.

1. Comb hair into ponytail leaving a tiny section out from the base of the ponytail and wrap elastic band around the ponytail.

2. Add height to the crown area by inserting the tail of the comb through the hair above the elastic and lift away from the head {just a little bit at a time}.

3. When you've reached your desired volume, lightly spray any fly-aways and gently smooth over using the tail of the comb. Then take the left out lock of hair and wrap it around the base of the ponytail, covering the elastic band.

4. Place a bobby pin around the end of the wrapped lock and tuck underneath the ponytail and elastic to secure it. Lightly spray again if needed.

If you’re going for a messy ponytail don't comb your hair first but simply finger hair into ponytail and follow steps 2 – 4 above.

If you want a super sleek ponytail run a Hot Tools ceramic flat iron through it before you follow steps 1-4 above.

I recommend: Avon Anew Clinical Eye Lift

Buy it: $12.49 Amazon

As soon as you step out of your bath or shower and dry off apply a good moisture-rich body lotion all over. Pay close attention to your hands, chest, and neck as these areas are quick to show signs of aging.

I recommend: Gold Bond Ultimate Soothing Skin Therapy Fragrance Free

Buy it: $9.99 on sale for $6.95 Drugstore.com

Body Type: Full Hips and Thighs
Frustration: “I have big legs, healthy thighs, and a curvy backside so it’s hard to find a pair of jeans that I can pull over everything and still have them fit well at the waist.”

Solution 1) Flares

The best style for those with a full pear shaped figure is a flare. These are designed to accommodate curves and the wide leg at the bottom balances you out. Try to find styles that begin flaring out below the knee and have a straight look from tummy to thighs.

Trouser jeans , $69.50, victoriassecret.com

Solution 2) Dark-Wash, Close to the Floor Flares

A dark wash is flattering because it hides any bulges and bumps. To flatter curvy hips, choose a style that is ultra-simple, and doesn't attract unwanted attention to them. The extra length adds height, too making you look longer and leaner.

Low-rise “Stella” jeans , $69.90, express.com











Body Type: Hourglass
Frustration: “I have a waist and I find that most jeans cut me at the tummy in the wrong place, making my torso look shorter and stubbier.”

Solution 1) High-Waisted and Cropped Jeans

Choose styles that accentuates your hourglass’ curves even further. Jeans that hit right at the ankle are perfect!









Body Type: Tummy
Frustration: “I'm curvy with a tummy so it’s hard to find jeans that fit all over.”

Step 1:

Towel dry your hair. Lightly coat fly-aways with a styling product. You can use a mousse for a soft hold or a light gel for a stronger hold. Don't use a silicone serum right now.

Step 2: It's key to get your hairline smooth and everything else will fall into place. If you have bangs dry them first. Then gently pull sections of your hair from along your hairline with a brush and start drying at the roots, working your way to the ends. Repeat for your entire hairline and then gently brush through it.

Step 3: This is an area that is easy to rush through but you won't be happy with the results unless you take a little extra time here. Separate your hair into four or five sections and clip all but one section up. Using a large round brush, pull the section tight and toward the floor, rolling it either out or under at the end. Follow the brush with your blow dryer but be sure to keep the dryer a few inches away from the brush as to not burn your hair. The nozzle of the dryer should be pointed downward to keep your hair as flat and smooth as possible. Repeat this process with each section. A boar hair brush is recommended as it adds natural oils to your hair but it's not necessary.

Step 4: Begin styling small sections of your hair with your flat iron (ghd's gold hair straighteners are my favorite). Start at the root and work your way downward. If you want to keep a little body you can start around your ears to get the same smooth effect without loss of natural body. Be careful not to leave the iron on one place for too long and if you wish to flip your hair out or under do so with a quick flick of the wrist to avoid burning your ends. Don’t try to iron too much hair at the same time in an effort to finish quicker because it will actually take you longer and you won't get the results you want.

Step 5: Silicone serums and creams are wonderful products that can give your hair a healthy shine and help minimize frizz. Just like most great hair care products, less is more. It's easy to apply too much and it will quickly weigh your hair down or make it look greasy instead of shiny. Add only drop to the ends of your hair after you've finished styling.

The hot UK shop www.very.co.uk has new maxi dresses for every woman's budget. They have dresses starting from GBP 26 (26 pounds) and up.

This Anne Marie maxi dress from Miss Sixty might be my absolute favorite! It's only GBP 76 and I think it would be a beautiful item to pull out of your closet year round. You could add a wrap with it to dress it up or pair it with a jean jacket for more casual events. I think my favorite way to wear it would be with a simple black cardigan with short or long sleeves depending on the season. The colors in this dress are absolutely amazing and would work well with any skin tone. Not to mention, the shape of this dress! It would flatter women of all shapes and sizes- hey, maybe it would even make a great bridesmaid dress?

Check out the latest styles for yourself from the Very maxi dress collection.

The first 500 people within the US and Canada to fill out this short skin care survey containing 10 questions about skin care and lotion will receive Free samples of Skin MD Natural and Skin MD Natural +SPF 15. I love both of these lotions and I'm sure you will too! Hurry, only the first 500 will receive samples. :) The survey will automatically shut down after it's completed 500 times so rest assured, if you've filled it out you'll be receiving your samples shortly.

To read my review of Skin MD Natural click here.