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Check-In: Expecting Couple Struggling with Debt, But Future Looks Bright

When I first connected with Julia and John, the Queens, NY couple was expecting their first child and grappling with some debt, a lack of savings and income prior to the baby’s arrival. The couple was basically living paycheck to…

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The post Check-In: Expecting Couple Struggling with Debt, But Future Looks Bright appeared first on MintLife Blog.

5 Reasons You Need To Hire A Financial Consultant

If you’re a busy individual and have no time for the day-to-day management of your money, you may need to consult a financial consultant. Beyond being busy, however, there are major turning points in your life where working with a financial consultant is absolutely necessary. For instance, if you’re approaching retirement, you’ll have to figure …

The post 5 Reasons You Need To Hire A Financial Consultant appeared first on GrowthRapidly.

How to Work from Home While Schooling Your Kids

Parents all over the United States have had to make lofty and quick adjustments due to the pandemic erupting the daily routines many of us haven’t had to change in quite a while. Feelings of overwhelm, exhaustion, and sheer confusion…

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How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!)

Hello! Are you interested in starting a dog treat bakery business? Well, good news, this article will tell you what you need to know. Plus, you can sign up for this free training workshop that will teach you how to start your own side hustle baking and selling dog treats. Hi! My name is Kristin […]

The post How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!) appeared first on Making Sense Of Cents.

A Guide to Schedule K-1 (Form 1041)

Inheriting property or other assets typically involves filing the appropriate tax forms with the IRS. Schedule K-1 (Form 1041) is used to report a beneficiary’s share of an estate or trust, including income as well as credits, deductions and profits. … Continue reading →

The post A Guide to Schedule K-1 (Form 1041) appeared first on SmartAsset Blog.

What You Need to Know Before Exiting Mortgage Forbearance

Millions of people are struggling with their mortgage payments. It’s true that the total number of loans in forbearance did decrease in December to 5.48%, but that doesn’t mean that people are out of the woods yet. According to the MBA, there are 2.7 million people in active forbearance, who will soon reach their six-month […]

The post What You Need to Know Before Exiting Mortgage Forbearance appeared first on The Simple Dollar.

The Workplace of the Future: How to Prepare and Preserve Your Career

Workplaces have always evolved with technology, trends, and research. The changing environment of our global economy and advances in technology mean organizations have to adapt to stay competitive. This also means employees should keep their eyes forward and focus on…

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The post The Workplace of the Future: How to Prepare and Preserve Your Career appeared first on MintLife Blog.

10 DIY Face Scrubs and Masks

Amazing scrubs

1. Chocolate-honey scrub

Who doesn’t want to cover themselves in chocolate? Here’s your opportunity with this hydrating, revitalizing scrub.

  • ½ cup honey
  • ½ cup sea salt
  • 2 tablespoons cocoa powder
  • 1 tablespoon olive oil

Mix together all of the ingredients in a bowl, making sure to break up any lumps in the cocoa powder. Apply this luscious mixture to your skin, rubbing in a circular motion. Leave for 5 minutes, then rinse with warm water. Divine! (Leftover scrub can be stored in a tightly sealed container in the refrigerator.)

2. Apricot–sea salt scrub

Here’s a great scrub for smoothing out rough spots on elbows, hands, feet, or wherever you need a little extra help.

  • ¼ cup sea salt
  • 2 tablespoons apricot kernel oil
  • 5 drops apricot essential oil

Mix together all of the ingredients, then rub onto the skin. Rinse with warm water.

3. Light sugar scrub

Dry, itchy skin bothering you? Try this super-moisturizing light scrub.

  • 3 tablespoons baby oil
  • 2 tablespoons yogurt
  • 4 teaspoons brown sugar

Mix together the ingredients, making sure to break up any lumps in the brown sugar. Massage immediately into skin, as the sugar will begin to dissolve. Rinse with warm water.

4. Minty morning wake-up

This invigorating scrub is great for those sleepy mornings when it’s almost impossible to drag yourself out of bed. For best results, make it the night before and store in the refrigerator until morning.

  • 1 cup rice
  • 6-ounce container plain yogurt
  • 5 sprigs mint
  • 3 drops peppermint essential oil

In a food processor, add the rice and pulse until ground. Transfer the contents to a bowl. Then process the yogurt and mint together and add to the ground rice. Add the essential oil, stir well, and refrigerate. Then, during your morning shower, rub the mixture into your skin. You’ll feel it working!

SEE ALSO: Who Knew's 18 Natural Remedies to Get Rid of Acne and Pimples 

5. Ginger face and body polish

For beach-ready skin, try this body polish. Ginger will help stimulate the skin, salt and sugar will rub away dead skin cells, and the combination of coconut and olive oils will provide deep hydration.

  • ¼ cup coconut oil
  • 2 tablespoons grated fresh ginger
  • ¼ cup olive oil
  • ¾ cup raw sugar
  • ¼ cup sea salt

In a small saucepan, add the coconut oil and grated ginger, and heat on low until the oil melts and the ginger has infused it. Strain into a bowl. Stir in the olive oil, sugar, and sea salt, and allow the mixture to cool. Transfer to a cosmetics jar. To use, massage a little into the face and body, and leave for 5 minutes before rinsing under warm water.

Is the skin on your elbows looking a bit rough? Here’s an easy treatment: Cut a lemon or lime in half, then sprinkle it with brown sugar. Bend your elbow and shove it right into the citrus, then twist the fruit back and forth. The fruit’s acid will slough off dead skin with the help of the sugar.

All-natural masks

6. Veggie revitalizer

This powerhouse of a body mask is loaded with vital nutrients to help rejuvenate and revitalize skin.

  • 2 ripe avocados, peeled and pitted
  • 2 carrots, thinly sliced and steamed until soft
  • ½ cup milk
  • 2 eggs, lightly beaten
  • ¼ cup honey

Mash together the avocados and carrots in a medium bowl. Stir in the milk, lightly beaten eggs, and honey. Apply the mixture to damp skin, then leave on for 10 to 15 minutes. Rinse with lukewarm water.

7. Yogurt soother

Try this body mask to help soothe irritated skin. The lactic acid in the yogurt gently breaks down dry skin cells, and turmeric is a well-known anti-inflammatory.

  • 1 cup plain yogurt
  • 1 teaspoon turmeric

Combine the yogurt and the turmeric, blending well. Apply to damp skin, and leave for 10 minutes. Rinse with lukewarm water, then moisturize.

RELATED: Mighty Mommy's 10 Cures for Rainy Day Boredom

8. Skin-balancing facial

Do you have acne scars or other dark spots on your face? You can use the enzymes in certain foods to help lighten them! Here’s a soothing mask to try.

  • 1 teaspoon lemon juice
  • 1 teaspoon honey
  • 2 teaspoons plain yogurt

Stir together the lemon juice, honey, and yogurt in a small bowl. Apply to your face, and leave on for about 10 minutes. Rinse with warm water.

9. Pumpkin pampering

For clean, soft skin—and a clever way to use up that can of pumpkin that’s been gathering dust in your pantry since last Thanksgiving—try this facial mask.

  • 1 (15-ounce) can pumpkin puree (not pumpkin pie filling)
  • ¼ cup plain yogurt
  • ¼ cup honey
  • ¼ ground almonds
  • Olive oil

Mix together the canned pumpkin with the yogurt, honey, ground almonds, and a drizzle of olive oil. Apply to skin, and take a hot bath to let the steam and enzymes in the mask do their work. After 10 minutes, rinse and apply your normal moisturizer. Refrigerate any leftovers and use within a week.

10. Clarifying facial

If you have oily skin, try this sweetly scented scrub. The clay will help remove impurities and excess oil, while the oats and almonds will exfoliate and soothe skin. As a bonus, lavender is great for stress relief!

  • 1½ cups rolled oats
  • ¾ cup almonds
  • 1 tablespoon dried lavender
  • ¾ cup honey
  • 1¼ cups white kaolin clay

Pulse together the oats, almonds, and dried lavender in a blender. Mix in the honey and white kaolin clay. (You can find the clay online or at stores that carry natural beauty products.) Remove a tablespoon of the scrub and mix with water to make a thick paste. Massage over the face and neck, and leave on for 10 to 15 minutes. Store the leftovers in the refrigerator in a closed container.

Have a teeny bit of Champagne or white wine left after a party? Make a face scrub with it! Wine contains tartaric acid, a terrific exfoliant. Mix a few teaspoons sugar with enough wine to make a paste, then massage into clean skin.

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