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Ways to Lower Personal Care Expenses

Everyone needs a little pampering now and then. Taking care of yourself doesn't mean you have to go broke.

Personal care items are important to everyone, and there are ways to minimize the amount of money you spend. Consider these possibilities:

  • Buy low-cost cosmetics and hygiene products
    • Generic or low-cost cosmetic and hygiene products work the same as their more expensive counterparts. You don't have to pay for the packaging.
  • Do your own manicures and pedicures
    • Do you live for your regular manicure or pedicure? Some people can't do without them, but if you think about how much you're spending, you might reconsider. Doing it yourself will not only save you money, but you'll also be able to sit in the privacy of your own home while your nails dry. If you can't imagine doing this yourself, find a friend who'll trade manicures with you.
  • Learn to trim your hair
    • If you keep your hair short, you probably find yourself at the barber or salon several times each year. If you just need a trim, you may be able to do it yourself and avoid some of the trips. While you're there, do you sometimes pick up a bottle of shampoo or styling gel just because the stylist said it would be good for you? You could save all that money, including what you pay for a tip, by learning to trim your own hair and buying less expensive drug store hair care products.
  • Resolve to live with gray hair
    • If you've been dyeing your hair so the gray won't show, you're spending excess money that could be used elsewhere. Even if you do it yourself instead of going to a salon, it's still an expensive proposition.
  • Cancel your gym membership
    • It may be helpful to work out with other people and use state-of-the-art equipment, but it can be quite expensive to maintain a gym membership. Instead, you might exercise outside at parks or local schools, or inside using an exercise video or climbing stairs.
  • Get regular check-ups
    • Staying healthy is typically a lot less expensive then getting healthy when you're already sick. Having regular check-ups is a way to ensure you're staying healthy, and gives you an opportunity to address minor problems before they become major ones.
  • Quit your habit
    • If you're like some people, you may have a fondness for certain costly activities. Do you smoke cigarettes? Drink coffee on the way to work? Grab a few beers on the weekend? All of these things cost money, and you might consider breaking the habit or imposing some limits in order to control your expenses.

    For more thrifty ideas, see Chris Brogan's blog article 8 Expenses To Cut and How or the Federal Citizen Information Center brochure 66 Ways To Save Money.

    Take control of your finances with our debt help tools. Use our calculators and budget planner to help you manage your money.

    For more information on wise money management, search the CareOne Credit Knowledge Center Articles.

    To learn about our debt management programs, see the CareOne Credit Quick Answer Guide.

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