Monday, February 20, 2017

Colourpop "On A Whim" Satin Liquid Lipstick Review

Monday, February 20, 2017 0 Comments

Colourpop is one of the most popular brand of liquid lipstick nowadays. They are all over the internet and I decided to get myself one set from their mini-size lip kits for a trial. These lip kits are super small but you still get a decent number of uses. They are perfect if you are on a budget!

The packaging is frosty matte with the usual black cap. A lightweight, comfortable, bold lipstick with a Satin finish. This lipstick is extremely long wearing, although not completely kiss proof– you may leave some marks on your coffee cup! I start by prepping my lips with a lip balm to moisturize and improve my lips texture.

These mini size kit are so pretty on my lips since I have red undertone.

Magic Wand: it is a light nude shade and works for every complexion.

Mess Around: I love this grey and beige combination that compliments my skin tone.

Stud: this one is my favorite of all the shades. It is a warm brown terracotta and suits my personality.

TooLips: is a deepened plum brown and perfect for a night out.

Dopey: this shade is a muted pink and my least favorite because I'm not a pink shade lover.

They’re lightly hydrating on the lips. They dry down to a comfortable, satiny finish and are long wearing, but not transfer proof. These wear about 6 – 8 hours on me, and last pretty well through eating and drinking, but you’ll likely have to reapply. They fade evenly and retouching is no problem. They’re also very pigmented and fully opaque in one swipe. And I love the fact that they have no taste or scent.

Overall, this mini set is worth the money and I don't regret buying them at all. I will definitely purchase again on full size. I have been wearing them everyday at work and I get compliments all the time. I wish I could swatch them one by one but I just have no time. Xo

Tuesday, February 07, 2017

5 Funds to Fill Every Payday

Tuesday, February 07, 2017 0 Comments

What do you usually do when you get your salary? When it comes to money, there are certainly no shortage of ways to spend it. After we receive our salary, we tend to pay our bills and expenses first and whatever is left goes to savings. That is the most popular practice of Filipinos but it should be the other way around. Pay yourself first then the rest follows. We have to save enough and divide our income according to priority. In my case, I only got to fill 3 funds in this list excluding the charity and travel fund (for now). But if you earn more than I do, these should be the funds you got to fill every payday:

Pay yourself first. This should be for your long term plans. This should be 20% of your income. You have the option to put this on a mutual fund, variable unit linked (VUL), unit investment trust fund (UITF) or stock market. The goal is to beat inflation (which happens to be ~5% yearly in the PH), so you have to find an investment that yields more than 5% rate of return yearly.

This is often called the fixed costs. Bills and expenses that needs to be payed. However, this should not exceed 50% of your income. Just as businesses have operating expenses, so should you. This involves necessary costs for your upkeep. Things like rent, transportation, education and food. Whether to include your everyday coffee or your gym membership is your own call.

This one is a must for every person. I mean, we all work so hard and we should reward ourselves with at least one or two travels per year. I put all my extra money in this fund but this is not my priority right now.

This fund is for emergencies only and should not be touched unless very important. Experts says that you should have at least 6 months of your operating expenses in this fund. This is an account used to set aside funds needed in the event of a personal financial dilemma, such as the loss of a job, a debilitating illness or a major expense. It should be kept in an easy accessible place such as savings account.

And last but not the least,

This fund is giving back a portion of our earnings to the Lord. Tithes as we usually call it. Whether you give it to your parish church or to the charity of your choice, it doesn't matter as long as it is used for helping others.

So there you go guys. Till my next post..