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Friday, January 27, 2017

Polish My Life Unteal Next Year, Elevation Polish Con Tanto Affetto Yeti

Did you make any New Year's Resolutions? I don't normally, but this year I've decided to make some changes in my life.  Some much needed hard core changes.

You see I'm a spendaholic. Whether it's nail polish or makeup or whatever my fancy is that day. I'm almost 49 and am far from having the money I need to retire on especially with my chronic illness. See this post if you missed my reveal on that.

I did a ton of research on websites that list the best iphone apps for saving money and investing and the like.  I am now using several apps that have really helped me keep my resolution so far.  And I'm proud of myself for this.

I thought I'd tell you about the ones that are helping me.

First one is Prism.  This app is very cool as it shows you when your bills are due and you can actually pay your bills right from the app.  This time of year I have to pay my life insurance premium so I used Prism to help me spread out my bills this month so I didn't have to go into my savings to pay this yearly bill.  Oh and it's pretty too.

The next two are similar.  Albert and Mint.  These are listed as in the top ten best financial apps. These show you your total worth and help you do a realistic budget as it tracks all your banking and credit cards.

Next I use Qapital. This one is great.  You set up your goal and then the rules you want it to follow. A couple of mine-every time I use my debit card, it rounds up to the next $3 and puts that into this app. then if I buy something from Sephora, it takes $10 and puts it in the app.  Oh and the really cool rule is the 52 week one. The first week you pay $1, the second week $2 and so on.  At the end of the year, you will have $1328 or something like that from this rule alone.  Although the last weeks or so scare me as it will be $50+ a week for several weeks.  That's a lot for me.

And the other rule's amounts are small that you don't miss them.  A dollar here and there really does add up. At the time I'm writing this, I've already saved $104.43 and yes you can withdraw it at any time, but that's hardly the point right?? I've saved this in two week's time.

The next two I just started.  Acorns and Stash.  These two help you learn investing your money and like Qapital, you set it up to do $5 a week or spare change on charges things like that.  Then you pick what you want to invest in.  Now these apps while you can get your money out, you also have to claim on your taxes with a 1099. So be aware of that if you do your own taxes as I do.  Plus because it's investing, you run the chance of losing your money if you get too aggressive.

So far, I'm up $0.04 on Acorns and down $0.06 on Stash so right now I've lost two cents overall.  Oh and the markets aren't open on weekends so there's no action right now. I find myself still checking to see how my money is doing.  I admit I'm so clueless when it comes to investing and finances that I'm really trying to educate myself.  The apps have quite a few articles to help you learn.  Oh and yes again these are in the top finance apps listed in reputable magazines and websites.

I've done the research for you.

One I don't get is Level Money.  It says I'm negative from last month but I don't get paid the same each month. I get paid every other Friday so some months I have 3 paychecks and others 2. So I'm still trying to figure out how this app will help me.

Ones I'd say don't bother with: LearnVest, Venmo, Debit/Credit and Truebill. All stupid and worthless for me at least.

I'm excited to see just how much I can save and invest for myself this year! Let me know if you want updates on this!

Now here is a simple mani I did involving glitter.  I always remember just how much I hate glitter whenever I try to get it off!!!

Here is the finished mani!


This would be so much more pretty if the sun was out to show off the holo sprinkles in this glitter! I caught some of it!  Note the shorter length and more squared shape.  New set of gel nails and reshaping!  I am still loving it!

Until next time people. Any thoughts out there?