Dave Ramsey is America’s trusted voice on money and business. He’s authored seven national best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, Dave Ramsey’s Complete Guide to Money, Smart Money Smart Kids, and The Legacy Journey. The Dave Ramsey Show is heard by more than 12 million listeners each week on more than 575 radio stations and digital outlets.
As a seasoned communicator and Ramsey Personality, Rachel Cruze has been speaking to groups as large as 10,000 for more than a decade. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others on the proper way to handle their money wisely and stay out of debt. Rachel co-authored the #1 national best-selling book Smart Money Smart Kids with her dad. Her new book, Love Your Life, Not Theirs, releases October 2016.
A popular and dynamic speaker on the topics of personal finance, retirement and leadership, Chris Hogan helps people across the country develop successful strategies to manage their money in both their personal lives and businesses. He is the host of the Retire Inspired Podcast and the author of Retire Inspired: It's Not an Age; It's a Financial Number, a #1 national best seller. For more than a decade, Chris has served at Ramsey Solutions as a trusted financial coach and Ramsey Personality.
Chris Brown is a nationally syndicated radio talk show host, pastor and dynamic speaker carrying the message of stewardship and intentional living nationwide as a Ramsey Personality. Available on radio stations across the country, Chris Brown's True Stewardship provides biblical solutions and sound advice for questions on life and money. Prior to joining Ramsey Solutions in 2014, Chris spent seven years leading many to Christ while growing churches in North Carolina and Florida. Chris and his wife, Holly, live in Franklin, Tennessee, with their three children.
An inspiring and enthusiastic presenter, Christy Wright has spoken to groups of thousands at corporate events, women's conferences and some of the country's top universities. Christy is also a certified business coach whose direct and genuine presentations cover a range of topics from business and money management to personal development and goal setting.
At age 19, Anthony ONeal was deep in debt and short on hope with no direction of where his life was headed. But after hitting rock bottom, he turned his life around and committed to helping students find and pursue their passions. Since 2003, Anthony ONeal has helped thousands of students succeed with money in their work and personal lives. Now Anthony has joined Ramsey Solutions to spread this encouraging message to students nationwide as a Ramsey Personality.
You guys know my general rule of thumb for shopping: Some things are worth investing in and other things are worth buying for cheap. Here are three beauty items that you don’t need to spend a lot of money on.
You should try makeup brushes by E.L.F– they’re all around $1 and work great! I’ve had mine for a few years and they’ve held up just as well as the nice brushes I bought.
Yep. Love em. I use the eyeliner to apply my gel eyeliner. I clean it after every use, but after a few months, I just chuck it it and buy a brand new one for sanitary reasons. For $1 you can’t beat it.
Agreed! Eyeliner is one thing I won’t invest in since the $1 elf one works perfectly!
yes, buy cheap mascara because you can’t keep it very long and once you drop that wand its all over!
E.L.F. Cosmetics are great! I have bought several items and they are surprisingly good quality! I love their lip gloss and their primers and the clear mascara.
Don’t laugh but I buy the glue on nails and they work WONDERS and they last forever! If one falls off I glue it back on. I trim them down and file them to look much more natural! I can’t tell you how much money it has saved me from going to a salon and getting gel nails on. You get two sets for about $6.99!!! WIN WIN!!! 🙂
I am a E.L.F brand user. I mean you absolutely cannot beat $1.00 deals on brushes. I also use Rimmel brand for foundation and face powder…it was $6 for both in fact.nAlso CVS has their beauty club and for every so much spent you get $5 back in extra care cash/rebates. Win! Win!
Where do you purchase E.L.F. Products?
Target, CVS, Walgreens. I’ve even seen a couple at 7 Eleven.
Amazon – the reviews are also very helpful in making selections.
I’m so with you on the mascara! If anything, I find that the higher-end mascara is a lot more difficult to remove than drugstore. Plus it’s recommended to replace your mascara every 3 months so why spend so much money on it?
Cornstarch makes a great light powder. put it in an old compact and add a bit of cocoa for color. Cost is literally a few pennies. n
I love maybellline concealer stick in fair. It covers my dark circles and it matches my skin perfectly!
I use coconut oil as a moisturizer. I love it.
sponges and brushes? Dollar Tree!!! If you’re getting those at the drug stores, you are wasting your money girl!!!
Now I want to know what makeup products you actually save for.
And if you’re really cheap (my hand is raised) you can tear your wedge applicators in half and have 2!!!!! Woop!
Honestly, I splurge on my make-up products because I have switched to all natural products and the few times I have gone back to something cheap or not all natural my skin has reacted to it. :(nnHOWEVER, I have some beauty products that I make and I am looking into making even more of them! I use coconut oil (you can by a GIANT organic tub super cheap at Sam’s) as a make-up remover/moisturizer any time I wear waterproof make-up. Believe it or not it DOES NOT make your skin oily! Then I also melted coconut oil and added lavender essential oil to it and let it set back up and I use that as my body lotion. I have also made my own body scrub using coconut oil, sugar, and essential oil (I used peppermint). I’ve found recipes to make my own perfume and plan to do that when I run out of the several that I already had purchase before taking FPU. I do by an off brand on Wen (cleansing conditioner) at Target and it’s only $6! It replaces shampoo and conditioner combining the two and my hair has never felt so great! I have also found various recipes for face masks and scrubs that use all edible ingredients (not that I would eat them but the ingredients are not harmful to me).
Most of this would be cheaper at target or walmart then at walgreens or a drug store.n
Maybelline yellow cover stick for under eyes.nOil of Olay Complete moisturizernBert’s Bees lip balmnMaybelline Great Lash Mascara