Just the other day, I was putting on my makeup when I noticed that I’ve been using the same foundation for well over a year. I don’t know when it happened but somewhere along the way I started to wear makeup much less.
I purchased really nice MAC foundation and waterproof mascara right before I had my twins. As silly as it sounds, I wanted to look as nice as possible in my photos on the day of their birth. Knowing I’d probably cry, I went and purchased waterproof mascara, but I also wanted that good foundation too.
Now, after being self employed and taking care of twin toddlers at the same time, I found that in many ways I let myself go. I didn’t want to, of course, but over time I used make up less and less. I decided that I want to buy a few new makeup products – nothing crazy – as a way to get back into looking and feeling my best.
Creating a Budget
I could go out and spend a lot of money on a whole new set of makeup, but that’s not really my style. Instead I decided to treat beauty as a part of my budget. This could include highlights, makeup, clothes, manicures, and anything else that I might purchase that would help me feel great.
Since this can easily get out of hand (as the women reading this will know!) I found the best way to keep this spending in check is to have a set amount each month on a pre-paid card. In my case, I allot $170/month in my budget for my own personal use. My husband has the same amount for anything he might want throughout the month.
This not only helps our marriage because we each have a set amount we can spend on ourselves, but it also helps me to spend guilt free. By putting my monthly beauty spending on a prepaid card, it ensures that when the money is gone, it’s gone. Unlike a credit card where I could spend as much as I want up to my credit limit, pre-paid cards don’t let you spend more than you actually have.
The Kaiku Card
One pre-paid card that I would recommend is the Kaiku card. I’ve been using the Kaiku card for a few weeks now, and I absolutely love it. Not only is it visually appealing (I got the teal one) but every time I take it out, I know that I am spending money that has been pre-budgeted, which means I get to spend guilt free.
I also like Kaiku because Kaiku Finance LLC owns the Kaiku Visa® Prepaid Card, and it’s one of the first prepaid cards to be selected for the new Visa Clear Prepaid Designation certification. This means that this card is well respected in the financial community and you can rest assured knowing that your money is safe.
Kaiku does have a $3 month fee but it is waived if you direct deposit at least $750 a month.
Overall I think it’s a great solution to help keep spending in check all while allowing you the convenience of a credit card.
This is just one way I keep my beauty budget in check. How do you spend on the things you enjoy while also sticking to a budget? Have you ever used a pre-paid card?