Beauty, Cash Savings, Covid-19, Self-Reliant

How I unknowingly became more prepared for a salon shut down.

person holding white ceramic mug
Photo by Valeria Boltneva on

Let’s talk about our beauty regimen ladies (and guys if you are interested. 😉 )

Before COVID-19 was even named, I had been trying to be a bit more self-reliant with my beauty regimen.   It started out as a way to save money, but now, with hair and nail salons closed, it’s been the only way to keep up. (I will also share the cost savings of doing everything myself since this is a personal finance blog 😉 )


Changing my nail routine was not initially about the money.  It was about the health of my nails.  I used to get gel nails every 2-3 weeks because I thought my nails would be stronger.  However, each time they were removed, my nail beds became softer and more damaged.  Even my nail stylist told me to take a break.  I did, and I’ll never return.  I started taking care of my own nails at home, using high-quality nail products. After several months of my own care, my nails are stronger and healthier than ever.

Gel nails every 2-3 weeks yearly cost: $840.00

Doing my own nails w/OPI products: $50.00

Savings: $790.00


I’ve been having my brows and upper lip professionally waxed for years.  However, this was not a difficult task and one that I knew I could do myself.  In January, I purchased a wax kit and have been doing it myself for the past several months.  Besides being convenient, I feel it’s more sanitary.  And, after reading this article, I’m glad I’ve made the switch.

Waxing 12x a year: $360.00

Waxing kit: $40

Savings: $320.00


This one is a bit tougher because I don’t know how to cut my own hair.  However, I do color my own hair.  I try to wait  3 months before I get a professional cut and color, so I’ve become quite good at covering my roots.  I understand the best thing is to not color at all, but I’m so.not.ready to look old (my grey is the ugly kind — not the hip new look others are sporting.)  Fortunately, I did get a professional cut and color at the end of February for which I am very grateful. 😉

Professional Color (if I did it every 4 weeks): $2,400

Coloring at home: $80.00

Cut & Color 4x a year: $800.00

Savings: $1,520.00

Total Savings for Nails, Waxing & Hair:  $2,630.00

A pretty nice side effect of being a bit more self-reliant, don’t ya think?

Has the salon shut down affected you?  How are you doing things differently?







Cash Savings, Retirement Journey

Covid-19, cash savings and a retirement update.

Photo by cottonbro on

The Covid-19 virus appears to have given everyone pause, both in their physical lives as well as their financial lives, whether it was voluntary or forced.

It definitely has brought me back to reality, especially in the realm of retirement.  With 30% gains in my retirement accounts over the past 18 months, then 30% losses over the past 18 days, our account is back to where it was in 2018.   There were some sleepless nights and worries, but I know we are still in good shape.

My husband is 56.  We still have time to save, readjust and rejigger our plan.  And that is exactly what we are going to do.

We’ve decided to bulk up our third ‘bucket’ more than initially planned.  We lowered our percentage that is going into the stock market, and instead are adding that percentage to our cash savings.  We won’t stop saving until we have at least 5 years’ living expenses in the form of cash.  We know that our savings account will most likely not keep up with inflation.  It will, however, offer peace of mind which, to us, is priceless.

I thought I might go back to work, but I’ve realized now is not the time.  I will wait a bit and see if things get better.  In the meantime, I’m looking into online work, virtual assistant work, and such.   Anything to add to the cash savings.

Fortunately, the cruise line cancelled our trip which means we will be getting a full refund (and not just a credit).  However, our airline tickets will only be issued as a credit.  (Don’t get me started on how crooked they are).  That money will not be put in our savings fund, but moved to a  ‘future’ trip fund.  We still want to do something special to celebrate.

And lastly, our time line for when we retire may change.  We are still at least four years out to our planned retirement, but we are now considering five or six years.  It all depends on how much we can save.  We don’t want to retire hastily, without solid cash in hand.

That’s our new plan, and hopefully we’ll be able to meet our goal.  Covid-19 slapped us back into reality, and for that I am grateful.  It may just have saved our financial lives in our retirement.

How has Covid-19 changed your financial plan?  Please share.