Do you ever just want a side dish that will add spice to your meals. Bell peppers especially red always make a great choose not only because of their great flavor but color too! Pick up some fresh peppers at the local farmers market or your local grocery store and try this recipe out:
8 red bell peppers
2 garlic cloves, very thinly sliced
¼ cup olive oil
2 tablespoons (or more) sherry vinegar or red wine vinegar
2 tablespoons chopped marjoram,
divided Kosher salt
Heat broiler. Place bell peppers on a rimmed baking sheet. Broil, turning occasionally, until skins are blackened and blistered all over, 14–17 minutes. Transfer peppers to a large bowl, cover with plastic wrap, and sweat 15 minutes.
Remove skins and seeds from peppers; discard. Tear peppers into about 2″-wide strips. Toss in a clean large bowl with garlic, oil, vinegar, and 1 Tbsp. marjoram; season with salt. Let sit at least 20 minutes and up to 4 hours.
Just before serving, taste peppers and season with more vinegar and/or salt if needed. Scatter remaining 1 Tbsp. marjoram over top.
I love to eat rice no matter how you make it steam, fried, in stew, etc. The list of ingredients you can add is endless and depending on the dinner theme for the night helps too! This recipe for garlic rice is simple but delicious thanks to http://www.bonappetit.com make some tonight:
8 garlic cloves, thinly sliced
⅓ cup grapeseed or vegetable oil
12″ piece ginger, peeled, finely chopped
1 large egg, beaten to blend
3 cups chilled cooked short-grain rice
2 tsp. toasted sesame oil
4 scallions, thinly sliced on a diagonal
¾ cup coarsely chopped cilantro
2 tsp. toasted sesame seeds
Toss garlic and grapeseed oil in a large nonstick skillet. Arrange garlic in a single layer and set over medium heat. Cook, shaking pan often, until garlic is barely golden and crisp (oil should stop bubbling at this point), about 5 minutes. Using a slotted spoon, transfer garlic chips to paper towels to drain; season with salt.
Increase heat to medium-high and cook ginger in oil in the same skillet, stirring occasionally, until just softened and fragrant, about 2 minutes. Add egg and stir to break up; cook until just set (this will take a matter of seconds). Add rice and sesame oil and toss to combine. Cook, undisturbed, pressing down on rice with a spatula so it makes good contact with the pan, until rice begins to crisp, about 2 minutes. Give rice a toss, then press down on it again, cooking until you get more crispy bits, about 2 minutes. Remove skillet from heat and toss in scallions and half of garlic chips; season with salt.
Transfer fried rice to a platter and scatter cilantro, sesame seeds, and remaining garlic chips on top.
Do Ahead: Garlic chips can be made 1 day ahead. Store airtight at room temperature.
Need a snack that can get you thru the day or maybe thru a workout! Tired of paying over $5 to get a tiny box, well thanks to trader joes you can make it yourself. Could cost you over $5 but you can also make more than 1:) And don’t forget to add mixed nuts if you like trader joes has a great selection:
1 block TJ’s English Coastal Cheddar (or 5 TJ’s Sharp Cheddar Snack Pack pre-portioned, individually-wrapped pieces of Cheddar)
1 jar TJ’s Peanut Butter with Flax & Chia Seeds
5 of your favorite TJ’s Apples
You will need food storage containers for ingredients and daily meal prep, and 5 small sauce containers for peanut butter.
Prep components: Trim ends of celery and slice into thirds. Slice cheese into 1-inch cubes. Measure 2 tablespoons peanut butter into each of the small sauce containers. Halve eggs. Refrigerate prepped ingredients in separate food storage containers until needed.
Assemble protein box: Each morning, place the following in your box: two egg halves, 6-7 carrots, 5-6 celery sticks, 5-6 cubes of cheese, 2 tablespoons of peanut butter, and one apple.
Who has not come home dreading what to make for dinner? When there is no time to stop at the store to pick up groceries keeping these key items in your pantry is a lifesaver. Having a fully stocked pantry is not always the case but with the right stuff dinner is no longer a mystery! Check out what http://www.pennyhoarder.com has on its list so you can run out and stock up:
The Budget Cook’s 9 Kitchen Pantry Essentials
If you’re trying to cut down on eating out and looking to stock your cabinets on the cheap, grab these pantry essentials to build quick and easy low-cost meals.
1. Whole Grains and Breads
Quinoa and rice are standard bases for taco bowls, curries and fried rice. What you may not realize is that oatmeal is just as versatile. In addition to overnight oats and oatmeal cookies, you can create a savory breakfast bowl by adding some cheese and an egg.
Throw anything between two slices of bread and call it a sandwich, or add some cheese in a tortilla and call it a quesadilla. These vessels are a tasty way to mix up the delivery of leftovers to your mouth.
You don’t necessarily need these specific noodles, but a long noodle and a short noodle will do all the things you need noodles to do.
Say that 10 times fast.
Your short noodle can make mac and cheese or a great pasta primavera with leftover veggies. Long noodles are made for a good sauce like Alfredo, pesto or marinara.
3. Beans and Legumes
Beans and legumes cost a fraction of the price of meat, making them an affordable way to add protein to soups, chilis and tacos. Roasted chickpeas make a healthy salad topper, while lentils are great for a fantastic curry.
You can buy these canned, but buying them dry is even cheaper. Bonus: You can store them in decorative jars, and friends will think you know what you’re doing in the kitchen.
All-purpose or whole-wheat flour is essential for more than just cakes and breads. You can use it to make your own pancake mix, biscuits or even fresh egg pasta. Flour is also used as a thickener in homemade sauces.
A little sugar can make a yummy sweet-and-savory sauce or quick fruit crisp in the microwave.
Basic nuts and seeds have a dual purpose: They’re a great snack on their own, and they give a nice crunchy texture to salads, oatmeal and baked goods.
They’re also ultra healthy. Pumpkin seeds are chock-full of nutrients — just 1 ounce has 7 grams of protein. Nuts also contain a hefty dose of healthy fats and nutrients, so skip the chips and keep these tiny gems on hand.
6. Oil and Vinegar
Apple cider vinegar
You can make some awesome marinades and salad dressings with this classic combo. Apple cider vinegar makes a tasty vinaigrette; add sesame oil to peanut butter and soy sauce to create your own peanut sauce.
If you want to expand your oil and vinegar inventory, balsamic and rice vinegars add a lot of options to your pantry arsenal.
7. Condiments and Sauces
Much like oil and vinegar, condiments and sauces give new life to bland meats and veggies. Mix Dijon with a little oil and vinegar for a salad dressing. I’ve found that a little hot sauce corrects all recipe mistakes.
If your pets are like mine, they LOVE their beds they rub on, eat snacks on them, and lounge all day on them. Can’t Febreze them or use any strong chemicals to get pet smells out, but there are many household items you can use safe for pets. Check out the two links below see what works best to keep your fur kids smelling fresh:
While some pet beds can be thrown in the washing machine with ease, others need to be handwashed or dry cleaned. “We recommend purchasing a pet bed that states it is ‘machine washable’,” Doss says. “If you can’t find a whole bed that’s able to be washed in a machine, look for one that has a removable (and machine-washable) cover.”
Mind the label.
Not all pet beds are created equally, which is why Doss says it’s important to double check the label before washing one. “Take care to check the label of your pet’s bed for washing and drying instructions so you won’t damage the fill or the fabric,” she says.
Wash in hot water.
Whether your pet bed is machine washable or not, Doss says you’ll want to wash and dry it in the hottest temperatures possible. “Always wash and dry your pet’s bed at the highest setting the instructions allow,” she says. “If the bed isn’t machine washable, fill your bathtub with hot water and handwash it there.”
Only use pet-safe detergents.
Traditional laundry detergents are filled with a slew of chemicals that could be hazardous to your four-legged family member’s health. That’s why Doss says it’s crucial to use a pet-friendly detergent composed of all-natural ingredients, such as Fox + Hound Natural Pet Laundry Detergent ($16.50, shopfoxandhound.com). “Look for detergents with natural cleaning surfactants that will safely remove stains and odor without aggravating sensitive pet skin or allergies,” she says.
If you want a clean dog bed, you’ll have to think from scratch. Washing your dog bed should be your primary concern when you’re going to buy a dog bed from a pet store. Check the instructions and tag of the dog bed to know whether the cleaning methods and material of the dog bed are suitable for you or not. People often buy a dog bed by getting inspired from its looks and that it blends well with their home décor. When the dog makes the bed dirty by eating something or urinating on it after a few days, they come to know that the bed cover is not removable or that the size doesn’t fit in their washing machine. Hence, always consider these factors before buying a dog bed.
What should be used to wash your dog bedding?
The answer to this question depends on the type of debris and dirt that is present on your dog’s beds. If the dog bed contains residue and dirt, you can just soak it in soap water for some time and rinse it with clean water. The cosmetic stains are also easy to remove, so you can use soap and water for them. If there is a spot on your dog’s bed that is hard to remove with regular soap and water, use a spot treatment product to clean it. Just make sure it is a non-bleach product as bleach products can cause harm to dog’s skin. If using bleach becomes necessary, try to find chlorine-free bleach. After cleaning with bleach, rinse the bed cover with water many times. Following is an overview of the best dog bed washing agents:
White vinegar or apple cider
This is the easiest and cheapest substance for cleaning your dog’s bed. The good thing is that vinegar is always present at home, so if you don’t have any particular detergent for cleaning, you can try a vinegar and water solution.
To wash your dog’s bed with white vinegar or apple cider, remove the cover and directly place the foam bed into a bathtub. Fill the tub with hot water and put ¼ cup of vinegar and a small quantity of a laundry detergent. If you feel that the bed stinks a lot, you can add ½ cup of vinegar more into the water. Let the bed soak in this solution for 15 to 30 minutes. Then, rinse with clean tap water and remove all the soapy water and squeeze it to dry. If you’re washing the bed cover, make sure you don’t place it on the bed till it’s dry.
Baking soda has odor-absorbing and slightly abrasive characteristics, so it should always be present at your home for cleaning and cooking purposes. It is known to act as a knife for cutting through the grime. When it is used dry, it can absorb all types of odors. You can sprinkle it on your dog’s bed and let it sit there for half an hour. Then, you can simply dust it off or use a vacuum cleaner to clean all the dry powder. If you mix it with water, it forms a thick paste that is used to scrub off all the dirt and debris from the dog’s bed or crate.
To make a baking soda scrub, take equal parts of warm water, baking soda, and salt. Apply this paste to a sponge and clean the bed cover or crate. After you have scrubbed it well, rinse with warm water properly.
If you dislike the smell of vinegar, you can also use lemon juice which is considered as an all-purpose cleaner. Lemon juice contains enzymes and substances that break down fats, oil, and organic matter. You can use lemon juice on anything, be it your dog’s bed, dishes, or crate.
To use lemon juice effectively to wash your dog’s bed, you’ll need an empty spray bottle, hot water, baking soda, and lemon juice. Baking soda is optional, but if you add it, it can improve the performance of this all-purpose cleaner. Use 3 cups of boiling water, 2 tablespoons of baking soda, and 2 tablespoons of fresh and pure lemon juice. First, pour hot water into the spray bottle, then add baking soda and shake it so that it dissolves completely. Finally, add lemon juice and shake it well. Spray on the bed cover or foam and wipe with a damp and clean cloth.
Pet bed washing detergents
There are many pet beds washing detergents available at pet stores for cleaning purposes. If you want to try a cleanser, go for one that doesn’t use any abrasive compounds. Non-bio laundry detergents are good to go. Some detergents contain fragrance and optical brighteners to make the dog bed clean and tidy. These detergents are strong enough to remove all the germs and disease-causing organisms and ensure that the bed appears clean and stain free. Always read the label and ingredients and find out whether the detergent is safe to be used as some dogs might have sensitivities to certain substances.
How to clean a dog bed?
People spend a lot of time cleaning their houses, especially when they have a cute pet roaming around the house. It is unfair to keep your dog away from its bed all the time; instead, you should take steps to clean the bed on a regular basis. You’ll often find your dog’s bed coated with hair, mud, debris, and other stinky things. Take the following steps to clean your dog’s bed:
Shake the dog’s bed and remove any pieces or lumps of dirt and debris from it. It is better to perform this step outdoors so that there is no chance of your indoor area getting dirty. If the dirt pieces are stubborn, use a stick to make them fall.
Vacuum if you feel the dust and dog hair have penetrated deep inside the foam or bed cover. You can also use a lint roller to pull out hair from the bedding.
Soak the bed in water for at least 30 minutes.
If you see any stubborn or hard stains, use a sponge and apply detergent or homemade cleaner to loosen them.
Read the tag and if the bed cover is machine washable, select the low hand-washing option and wash it. Look for the restrictions on the tag before selecting the temperature for drying.
How to wash dog bedding with fleas?
If your dog has been infested with fleas, you’ll have to treat it for complete removal of these blood-sucking parasites. While you treat your dog, it is equally necessary that you properly clean your dog’s bedding so that these insects don’t come back. Fleas love to live in warm and wooly places where they can hide easily such as clothing, upholstery, blankets, and different types of fabrics. To be safe from a flea infestation, make sure you clean and wash all the things that your dog has touched or come in contact with. Following are some tips to wash dog bedding infested with fleas:
Remove the bed cover and shake it well. Use a stick or cloth to loosen all the dirt and debris on it. You’ll also notice fleas falling.
Use a vacuum cleaner to suck all the fleas from the bedding. Make sure that you empty the vacuum’s tank as soon as possible or else there is a chance that the fleas will spread everywhere.
Soak the bedding in boiling water in a bathtub for maximum 5 minutes to kill all the eggs and larvae of fleas.
Don’t leave the bedding for long or else they can cause the filling of the bedding to melt or disintegrate.
Squeeze the bedding and let it dry in sunlight.
Look for fleas burrowed inside the bedding lines and hidden areas. If you find any, get rid of them immediately. However, the chances are that they all have been killed due to boiling water.
Use a pet-friendly spray that can absorb odor and remove all the bad smells. Don’t use heavy amounts of spray or else it may affect your dog’s skin and senses.
Please make sure you have treated your dog for fleas removal from a vet or else there could a chance that they’ll infest the bedding again.
What temperature to wash dog bedding?
The temperature to wash cat or dog bedding depends on the purpose of cleaning. If you wish to keep your dog bed clean, then you will have to wash and clean it frequently. The vacuum will minimize the dirt and hair present on the bed, but you will have to wash it at least once a week to make sure it is free from germs and diseases. As far as the washing method is concerned, follow the label or tag of the dog bed because different materials need different washing instructions and some are not even machine washable.
The dog bedding should be washed at a temperature of at least 140 degrees Fahrenheit if you are using chlorine bleach or any washing detergent. The high temperature is recommended to kill all the germs and microorganisms that may be present on the dog bedding, especially if it is infested with fleas. If your washing machine has no temperature setting, you should choose the highest temperature so that all the germs are killed.
If your dog has sensitive skin, go for a homemade all-purpose cleaning agent or a natural detergent, and then select an extra rinse cycle on your machine. This will ensure that the bedding is cleaned effectively without compromising on your dog’s health.
The temperature setting for drying the dog bedding should be chosen at the highest possible temperature so that it dries properly and quickly. To keep yourself safe from any infection, always wear gloves and after finishing the cleaning process, wash your hands with soap thoroughly. Keeping yourself protected is important in order to ensure you do not compromise on your health.
What to use to wash dog bedding?
Washing dog bedding every week will reduce the chances of allergies and fleas infestation in your dog. Washing dog bedding depends on the type of dirt or debris present on it. If it has hard stains and stubborn spots on it, you’ll have to use a strong detergent or chlorine bleach to remove it. For cosmetic stains, you’ll only have to use warm water with soap and just rinse out the stains. Vets always recommend avoiding bleaching agents because there are other non-bleach alternatives available that can quickly remove the spots and hard stains. The stubborn areas and spots can also be treated by a homemade all-purpose cleaner such as vinegar solution, lemon juice, and baking soda.
You can use ¼ cup vinegar and add it to a tub of hot water. Soak the dog bedding in it for 15 to 30 minutes. If you want, you can add a mild detergent to this mixture too. If you feel that the stains are hard and stubborn enough, you can add ½ cup vinegar to the water. Rinse the bedding with water and remove all the soapy water from it. You can also use this mixture in your washing machine for cleaning at a high temperature.
The baking soda scrub can be made by adding warm water and a little salt to make a thick paste. This thick scrub can cut through all the grime and dirt effectively. After scrubbing, you can rinse the bedding with water to check if the stains have been removed. You can also put the bedding into the washing machine after cleaning.
The lemon juice solution can also be made by mixing 2 tablespoons lemon juice and 3 cups of hot water in a spray bottle. If you want to make the solution more efficient, you can add baking soda to it too. Apart from these homemade cleaners, you can also try the pet bed washing detergents available at the pet stores.
Bottom line some dogs beds are easier to wash then others, if you have not done so already have a look at our article best washable dog beds.
Preheat oven to 450 degrees. On a rimmed baking sheet, toss chickpeas with 6 tablespoons oil and za’atar. Season with kosher salt and pepper. Roast 15 minutes. Add pitas to sheet, stir to coat, and roast until chickpeas and pitas are crisp, about 10 minutes more.
Meanwhile, stir together yogurt and zest; season with salt and pepper. In a bowl, toss together radishes, cucumbers, lemon juice, and remaining 2 tablespoons oil. Season with kosher salt and pepper. Just before serving, dollop plates with yogurt mixture; top each with cucumber salad, chickpea mixture, and 2 grape leaves. Garnish with mint, more za’atar, and drizzles of oil; serve.
New year new career move thinking about what’s the next step, what about being a social media influencers! Sure it looks easy and yes you can make tons of money so why not find out more about it? Well let’s see what it takes to actually make money across some of the top platforms according to http://www.cnbc.com:
Social media influencers can make big money on platforms such as TikTok, YouTube and Instagram. But it all depends on followers and views.
While big stars like Dwayne “The Rock” Johnson, Kylie Jenner and soccer star Cristiano Ronaldo, (who each have well over 200 million followers on Instagram), can pull in more than $1 million per post, according to Instagram analytics tool company Hopper HQ, everyday influencers don’t need as many followers as you may think to make some cash.
According to a new “social salary” calculator from music licensing platform Lickd.co, here’s how many followers you need on YouTube, Instagram and TikTok to generate $100,000 in earnings.
According to the calculator, You need a minimum of 1,000 YouTube subscribers and about 24 million yearly views to generate $100,000.
In order to make money on YouTube, you need to be enrolled in YouTube’s Partner Programme (YPP), which allows you to make money through ads on your videos. To join YPP, an influencer needs at least 1,000 subscribers, accumulated more than 4,000 “valid public watch” hours in the last 12 months and have a linked AdSense account, according to YouTube.
Influencer Marketing Hub’s YouTube calculator estimates that the average YouTuber generates $7.60 per 1,000 views with 45% of that revenue going to Google.
You need a minimum of 5,000 Instagram followers and 308 sponsored posts a year to generate $100,000.
That may be easier than you think: A recent HBO documentary showed how everyday people can manipulate Instagram and other platforms to become famous online influencers.
An influencer with over a million followers can reportedly make more than $250,000 per post from brands.
You need a minimum of 10,000 TikTok subscribers and over 270 million views a year to generate $100,000.
TikTok, like YouTube, has a partnership program called the TikTok Creator Fund. To be eligible, creators need to be based in either the U.S., U.K., France, Germany, Spain or Italy, be at least 18 years old, and have at least 100,000 followers and a least 100,000 video views in the last 30 days. The account also has to be aligned with TikTok’s community guidelines and terms of service.
To find out how much money your followers can get you on various social media platforms, you can use Lickd.co’s calculator.
Has 2021 and wearing a mask just left your skin feeling not so fresh maybe a little patchy looking? No time to go get a facial and don’t want to break the bank buying tons of product. No worries there are lots of brands in your local drugstore, beauty store, amazon, or target that you can pick up for a good deal. Check out this brand review from http://www.glamour.com and most of these products are available at target!
Few brands have revolutionized the way we shop for skin care the way The Ordinary has. Before the Canadian brand blessed us with the best The Ordinary products, accessibility to cheap, high-quality options had mostly been restricted to makeup. Even with so much innovation among drugstore skin-care brands, few affordable finds really rival what luxury serums and moisturizers have to offer.
That’s why buzz for the best The Ordinary products (like this TikTok-beloved peeling solution) refuses to die down. The brand takes a clinical, science-based approach to skin care and specializes in single-ingredient-driven products that deliver targeted results. The best part? Nothing costs more than $20. In fact, the majority of it clocks in for less than $10. This is largely in part thanks to The Ordinary’s dedication to transparency, resulting in prices that aren’t significantly marked up.
But despite its low price point, the brand can be intimidating. Because the names of the products refer to skin-care ingredients–not results—they all sound like something out of an advanced medical textbook. Meaning you’re left trying to decipher what the hell ascorbyl tetraisopalmitate (a vitamin C derivative) or epigallocatechin gallatyl glucoside (an anti-inflammatory compound in green tea) does. That’s where we come in.
Our editors went through hundreds of dollars of The Ordinary skin-care products to help explain the cryptic descriptions of each and narrow down what’s actually worth adding to your top shelf. Read on for our honest reviews of the best The Ordinary products.
All products featured on Glamour are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.
1/22The Ordinary Hyaluronic Acid 2% + B5I read the internet, so I know properly moisturized skin depends on more than just a nice lotion. For true, deep moisture, you’re supposed to use a serum or acid that can penetrate deeper than your standard emollient. Enter hyaluronic acid, which I’ve wanted to use for months but have never purchased because the one time I went into a store (which shall remain nameless) to shop for one, a woman there recommended a brand that retailed for $185. No! So I jumped at the chance to test this serum with vitamin B5 (an anti-inflammatory that can help decrease puffiness), which costs less than $10. I’ve used it for about three weeks and don’t know if I’ve detected a major difference in the texture of my skin, but I have benefited from the serious glow it imparts. It leaves my face dewy but not oily. I like the finish so much I’ve skipped makeup for most of the month. And if that doesn’t sell you, maybe this will: Out of all the options out there, Glamour readers voted this the best hyaluronic acid serum in our 2020 Beauty Awards. —Mattie Kahn, culture director$7The OrdinaryBuy Now
Courtesy of brand 2/22The Ordinary AHA 30% + BHA 2% Peeling SolutionYes, part of this product’s appeal is that it looks like you’re doing an at-home blood facial (you can see what it looks like on in our full review of it), but the results are just as Instagrammable. The mix of alpha-hydroxy acids (AHAs) and beta-hydroxy acids (BHAs) deeply exfoliates to clear up congestion, dead skin cells, and hyperpigmentation. My skin looked brighter and smoother after one use—with no irritation to my sensitive, acne-prone skin. And for about 100th of the cost of a vampire facial? A no-brainer. —Bella Cacciatore, beauty associate$8The OrdinaryBuy NowADVERTISEMENThttps://f9976b0a111887ffc5fd510c86725b6d.safeframe.googlesyndication.com/safeframe/1-0-38/html/container.html
courtesy of brand3/22The Ordinary Natural Moisturizing Factors + HAThe Ordinary’s Natural Moisturizing Factors + HA is perfect for dealing with dryness—and I like to apply a pea-size dollop after washing my face with a cleanser. The moisturizer comes out with a sunscreen-like consistency, but it blends in with my skin in seconds. After a week of using it, my cheeks are plump and flake-free, probably because it has hyaluronic acid, which helps skin cells retain moisture. With such noticeable results for a low-maintenance moisturizer, I’m counting on this for the rest of the year. —Halie LeSavage, contributor $6The OrdinaryBuy Now
Courtesy of brand4/22The Ordinary “Buffet”I just turned 25, and I’m ready to start thinking about upping my anti-aging routine. However, I’m on serious topicals for my acne, so anything too aggressive was out of the question. This serum, which uses a combo of peptides and hyaluronic acid to plump and firm, feels like a good place to start. I noticed my skin looks much more bright and bouncy when I use it, and it’s helped curb some of the irritation from my topicals. It also feels much more luxurious than the price would lead me to believe, and I look forward to using it every day. —B.C.$15The OrdinaryBuy Now
Courtesy of brand5/22The Ordinary Lactic Acid 10% + HA 2%I’m typically a generous person (playing Beauty Santa is among my favorite things about my job), but there are two things I won’t share with anyone over my dead body: Sunday Riley Good Genes and Dr. Dennis Gross Hyaluronic Marine Oil-Free Moisture Cushion. The first is a $122 lactic acid serum, which is considered the gold standard of lactic acid (it delivers the gentlest type of exfoliation and is great for sensitive skin types like myself). The latter is a $60 hyaluronic acid (or H.A.) moisturizer that gives you dewy baby skin. In other words: My expectations are high. But for $7, I’ll be damned if this isn’t a wonderful alternative for someone who can’t afford to drop nearly $200 on half their skin-care routine. The mornings after I use it (usually three times a week), my skin is brighter, glowier, and a smidge bouncier. While it’s still no Good Genes, it’s a great runner-up. —Lindsay Schallon, senior beauty editor$7The OrdinaryBuy Now
Courtesy of brand6/22The Ordinary High-Adherence Silicone PrimerThe first thing I noticed about The Ordinary’s High-Adherence Silicone Primer was its texture, which feels just like a creamy moisturizing lotion. Once applied, it made my skin feel so soft that I almost didn’t want to put on makeup for fear of losing the silkiness. I, of course, eventually did, and it was a good thing: My makeup went on smooth and stayed matte throughout the day. My one complaint is that I wish the labeling explained the effects it would have, since I probably would have totally passed by this in a store for that reason. But at least now you know. —Marla Goller, supervising video producer$5The OrdinaryBuy Now
7/22The Ordinary Pycnogenol 5%I came across this oddly named serum after stumbling on a viral Tiktok review of how it totally transformed a girl’s acne and I was sold. Why wouldn’t I try it when it’s only $10 and my maskne has been out of control? Let me just say the reviews don’t lie. I’d never heard of pycnogenol before, but apparently, it’s an extract derived from pine trees that has the ability to boost collagen and elastin production in your skin. Plus, it’s great for hydration. My skin looks and feels healthier after using it. —L.S.$10The OrdinaryBuy Now
Courtesy of brand8/22The Ordinary 100% Organic Cold-Pressed Rose Hip Seed OilThis oil is one of my most beloved must-haves. After searching for an inexpensive rosehip oil (I personally don’t believe in paying over $20 for a single oil), I finally decided to try this one, and I’m so glad I did. It’s great for moisturizing and nourishing my skin, yet it still feels lightweight. Using it in tandem with a retinol has significantly faded my postacne hyperpigmentation, and it definitely makes a difference in the glow factor. I will say it has a slightly earthy smell, but for skin this good, I’m willing to overlook it. —B.C. $10The OrdinaryBuy Now
Courtesy of brand9/22The Ordinary Glycolic Acid 7% Toning SolutionMentally, the idea of putting something called a “direct acid” on my face feels disturbing. But in reality, chemical exfoliants are much gentler and better than physical exfoliants, like face scrubs or loofas. This glycolic acid toner visibly resurfaces my skin, and it’s pretty gentle—though you shouldn’t use it more than every other night. Plus it’s affordable and lasts forever. —Jenny Singer, staff writer $9The OrdinaryBuy Now
Courtesy of brand10/22The Ordinary Coverage FoundationI’m like Goldilocks when it comes to foundation. I need a high-coverage formula to cover pimples and scarring, but I hate the look and feel of thick makeup. This foundation has a lightweight serum texture, but it’s packed with pigment so I get the coverage I need. The finish is natural, it doesn’t really add shine or mattify, and feels like nothing on my skin. Plus, the price is so good I can keep my summer and winter shades on hand at all times. —B.C.$7The OrdinaryBuy Now
Courtesy of brand11/22The Ordinary ConcealerI’m also notoriously picky when it comes to concealer, since I want something thick enough to cover pimples but luminous enough to hide my insomnia-induced dark circles. Right off the bat, I was intrigued by the texture. It somehow manages to be creamy and thick yet very lightweight and spreadable. Plus, it was easy to blend in. Just like the description says, this stuff is pigmented. Only a few dots blended with a finger or sponge quickly covered my lack of sleep, and the concealer seamlessly blended into my foundation on my pimples. I did have to build up a few layers on my deep red acne scars, but everywhere else, I found a drop or two was enough. —B.C.$6The OrdinaryBuy Now
Courtesy of brand12/22The Ordinary Azelaic Acid Suspension 10%I’ve always been curious about azelaic acid, since I’ve heard it can treat both acne and dark spots while being safe enough to use even during pregnancy. (Although I’m not expecting, for the record.) The texture felt super luxe and absorbed nicely, and while I didn’t notice an improvement on a stubborn breakout, my postacne dark spots looked less opaque than they had. —Deanna Pai, contributor$8The OrdinaryBuy Now
Courtesy of brand13/22The Ordinary Caffeine Solution 5% + EGCGI’ve honestly never believed a product could help with sleepy undereyes until I tried this one. While it doesn’t help with dark circles (sadly, not much will), the lightweight serum instantly depuffs and smooths out any baggage I’m dealing with. It brightens my eyes in seconds and makes it look like I got a full eight hours of sleep. —B.C.$6.70The OrdinaryBuy Now
Courtesy of brand14/22The Ordinary Granactive Retinoid* 2% EmulsionI’m incredibly cautious with retinol because of my rosacea, but now that I’m in my thirties, I really need its skin-rejuvenating abilities. I’m happy to report that this is an incredibly gentle option. The serum is an almost milky consistency, and after a month of using it, I started to see a few fine lines on my forehead fade. It’s also been a wonder for smoothing out the texture of my skin. —L.S.$10The OrdinaryBuy Now
Courtesy of brand15/22The Ordinary Vitamin C Suspension 23% + HA Spheres 2%The only issue I have with this Ordinary vitamin C cream is that it doesn’t come in a larger size. I’ve been on the hunt for a strong but nonirritating option for a while, and this formula is just that. Perfect for my prebedtime ritual, it’s only $5.80; plus it can be mixed with my other favorite serums to reduce its somewhat gritty texture. If you’re looking to fight wrinkles and even out your skin tone, this one is a great bet. —Sarah Morse, contributor $6The OrdinaryBuy Now
Courtesy of brand16/22The Ordinary Niacinamide 10% + Zinc 1%I never had acne as a teenager, but lately, I’ve been getting these hormonal breakouts around my chin and forehead. I decided to give this serum a try after reading hundreds of rave reviews. The lightweight combo of niacinamide and zinc has been super-effective at controlling excess sebum (read: oil) production, and after a few weeks of daily use, the blemishes that appeared out of nowhere seem to have disappeared. —Talia Abbas, associate commerce editor $6The OrdinaryBuy Now
Courtesy of brand 17/22The Ordinary 100% Plant-Derived SqualaneSqualane is fantastic for hydrating—it’s nonsticky, fast-absorbing, and has humectant (meaning, moisture-drawing) properties that work in tandem to make your skin look crazy plump. The downside is that it’s traditionally derived from animals. But that’s not the case with this serum. Instead, it’s powered by plants, so I feel even better about using it when I see dewy, bouncy skin in the mirror. —L.S.$8The OrdinaryBuy Now
Courtesy of brand 18/22The Ordinary Retinol 0.5% in SqualanePlease save yourself hundreds of dollars on luxury antiaging treatments and buy a retinol from The Ordinary, which costs less than an hour of minimum-wage labor and is backed by rigorous research instead of random claims of “pearl essence” or whatever. I particularly like this one because it’s lower-strength and delivered with squalane, so it’s a bit less irritating than other ones out there. Start by using it one to three times per week, use it only at night, and know that if you don’t wear SPF after using it, it will damage your skin. Play by those rules and be wowed. —J.S.$6The OrdinaryBuy Now
Courtesy of brand19/22The Ordinary Ascorbyl Tetraisopalmitate Solution 20% in Vitamin FThe name of this sounds insane (and impossible to pronounce), and I’ll admit that, going in, I had no idea what it did. After a little research and a test-drive, though, I’m sold. It’s basically a form of vitamin C (which helps brighten and even out your skin tone), while vitamin F is a fatty acid rich in omega-6 that helps maintain your skin barrier (when it’s disrupted, all kinds of things like acne and redness occur). I noticed a major difference in the condition of my skin after just one use—it was noticeably smoother, firmer, and overall much brighter and more radiant. Like I said, sold.—Stephanie Griffin, contributor $18The OrdinaryBuy Now
Courtesy of brand 20/22The Ordinary Mandelic Acid 10% + HAMandelic acid is really slept on—and hard to find—so it’s exciting to see this hyperpigmentation-fighting superstar available at a lower price point. It’s super gentle yet has helped reduce some of my acne as well as the scars it leaves behind. I can’t wait to keep using it. —B.C.$7The OrdinaryBuy Now
Courtesy of brand21/22The Ordinary Resveratrol 3% + Ferulic Acid 3%Want to reduce the appearance of acne scars and dark spots? Have this product on deck. My dry skin isn’t the biggest fan of strong actives, so this serum-oil hybrid felt a good place to start. The formula delivers 3% resveratrol and ferulic acid—two antioxidants known for brightening and evening out skin tone. I personally appreciate that the formulation isn’t super-aggressive, but if you want even more of an antioxidant boost, you can always mix two or three drops in with your vitamin C. —T.A.$8The OrdinaryBuy Now
22/22The Ordinary Salicylic Acid 2% MasqueThis exfoliating charcoal-colored mask is the only thing that’s helped with my quarantine breakouts. I rate it highly for both skintertainment and effectiveness: It gives me a bright, exfoliated glow without irritating my skin, and when it’s on my face it makes me look like Dick Van Dyke doing the chimney sweep dance in Mary Poppins. There is simply nothing more I want from a product. —J.S.$12The OrdinaryBuy Now
Making the list of all the goals you are trying to achieve for 2022, paying down debt should always be top of the list. Sadly we don’t all have money growing on trees to pay all debt or we wouldn’t be in debt! One bill you can take care of which is probably the most painful each month mortgage. Did you know by making a small extra payment a month to your mortgage can really make a huge difference. Check out this link from http://www.pennyhoarder.com to see how you can pay off your home much faster:
Thirty years is a long time. If you’re chipping away at a mortgage each month, it can feel even longer.
But what if you could eliminate that financial ball and chain by paying off your mortgage early?
The truth is, if you can scrape together the equivalent of one extra payment to put toward your mortgage each year, you’ll take, on average, four to six years off your loan.
You’ll also save tens of thousands of dollars in interest payments.
We’ll break down exactly how it works, how much you can save and strategies you can use to squeeze an extra mortgage payment out of your budget.
How It Works
Most people can’t afford to buy a house outright in cash. Instead, you pay a percentage of the total cost, known as a down payment, and take out a loan for the rest. That’s your mortgage, and it’s typically paid back over 20 or 30 years.
Principal and interest are the main components of your mortgage payment. The principal is the original amount you borrowed and interest is what mortgage lenders charge for lending you the money.
Your regular monthly payment may also include private mortgage insurance (PMI), a fee that goes away once you’ve paid off 20 percent of the principal.
In the beginning, most of your monthly mortgage payment goes to interest because your loan balance is so high. Only a little goes toward paying off the loan principal.
Paying down the principal means you owe less interest each month because your loan balance shrinks.
Making extra mortgage payments — and applying them to the principal — reduces your principal balance little-by-little, so you end up owing less interest over the life of the loan.
And when you owe less interest, you can trim years off your mortgage term.
Additional principal payments also build home equity and help eliminate PMI faster.
The cost of PMI for a conventional home loan averages 0.58% to 1.86% of the original loan amount per year.
If you put a 5% down payment on a $275,000 30-year loan term, you could be paying $126 to $405 a month for PMI alone. The sooner you can get 20% of your principal paid off, the sooner you can eliminate this additional monthly cost.
Here’s How Making One Extra Mortgage Payment Can Save You Thousands of Dollars
Curious what kind of impact an extra mortgage payment can make?
Let’s say you have a 30-year mortgage on a $275,000 home with a 4.5% interest rate. Your regular monthly payment is $1,393.
Pay-off date: November 2051
Total interest paid: $226,618
See how the total interest nearly adds up to the purchase price of the house? Ouch.
If you make an extra monthly payment of $1,400 each December, you’ll pay off your 30-year mortgage 4.5 years ahead of schedule and net nearly $40,000 in interest savings in the process.
Pay off date: May 2047
Total interest paid: $186,999
You read that right: $40,000 you won’t be paying in interest.
But we realize that coughing up $1,400 around the holidays can be tough.
So instead let’s imagine you increased your mortgage payment by one-twelfth ($117) each month. Instead of paying $1,393 you’d pay $1,510.
The results are nearly identical, although making an extra mortgage payment at the end of the year saves you a tiny bit more money on interest.
Pay off date: June 2047
Total interest paid: $188,301
3 Ways to Make an Extra Mortgage Payment
There are a few different ways you can make extra mortgage payments in a year.
No matter which method you choose, it’s important to tell your loan provider that you want the extra payment applied to your principal balance. Otherwise, extra payments might go toward the interest — which doesn’t help you pay off your mortgage faster.
One Lump-Sum Payment
Save up money throughout the year and put it in a special savings account. At the end of the year, empty the account to make your 13th monthly payment.
You can put extra money from tax refunds, bonuses at work or other unexpected income into the account to build it up faster.
Divide your monthly mortgage payment by 12 and add that amount to each month’s payment.
That extra amount should automatically get applied to your principal loan balance, but verify with your mortgage company just in case.
Paying a little above the minimum payment each month is easier for some people than making a lump-sum payment.
Some mortgage servicers let you sign up for biweekly mortgage payments. This lets you pay half your mortgage bill every two weeks instead of once a month.
Doing so results in 26 half-payments — or 13 full monthly payments — each calendar year.
Be aware that some lenders may charge extra fees if you opt for biweekly payments, while others may not offer this service at all.
Before You Start Making Extra Payments
Before you start making extra mortgage payments, talk to your loan company.
Some lenders charge prepayment penalties if you pay your mortgage off ahead of schedule.
If your mortgage includes this clause, you can still repay your loan early, but you’ll need to save up extra money to offset the prepayment penalty amount.
As we discussed earlier, it’s crucial to make sure any extra payments apply to your mortgage principal. Most companies give you this option online but you may want to call them to confirm that your extra cash is going to the right place.
Finally, make sure your finances are in good shape. You’ll need to examine your entire financial picture and determine if your dollars are better spent elsewhere.
Is being completely debt-free your top financial priority, or could your money be working for you in other ways?
If the interest rate on your mortgage is low, it might be wiser to put extra money in your company’s 401(k) plan, save for a child’s college tuition or pay off other debts with higher interest rates, like credit cards and student loans.
You also need to maintain a healthy emergency fund, with enough money left over to cover your monthly expenses.
As long as you’re not neglecting other financial goals and your budget can afford it, making an extra payment each year is a smart way to pay off your mortgage sooner.
You won’t see the fruits of your labor right away, but your hard work will be worth it when you own your home free and clear years ahead of schedule.
Rachel Christian is a Certified Educator in Personal Finance and a senior writer for The Penny Hoarder.
2022 are you looking to work on diet, budget, or maybe just want to have a healthy lunch time. Check out the great recipes from http://www.loveandlemons.com these are all healthy meal prep for all mealtimes breakfast, lunch, & dinner. Review choices, make a shopping list, and plan out your day or week for chow time:
Healthy Meal Prep Ideas for Breakfast
On a busy morning, there’s nothing better than having a healthy breakfast prepped and ready to go. P.S. Many of these breakfast meal prep recipes can also double as snacks!
Overnight Oats Don’t have time to make hot oatmeal in the morning? Mix up these overnight oats the night before! Stored in a Mason jar, they’re a perfect grab-and-go breakfast.
Healthy Banana Bread Store it at room temperature for up to 4 days. After that, freeze slices to have on hand for busy mornings. ~30 seconds in the microwave are all it takes to thaw a piece of this moist, warmly-spiced bread.
These healthy meal prep recipes are my favorite ones to pack for lunch. They’re filled with fresh veggies and herbs, so they’re light and flavorful, but ingredients like whole grains, beans, chickpeas, and/or avocado make them substantial enough to fill me up.
Orzo Salad I had this one on repeat throughout the summer! Serve it as a side dish with dinner one night and save the leftovers for lunch the next day.
Sesame Soba Noodles This recipe is one of my all-time favorite meal prep ideas. The nutty dressing tastes fantastic on a wide variety of veggies. Toss in whatever you have on hand!
Kale Salad with Carrot-Ginger Dressing Unlike tender lettuces, kale holds up nicely once it’s dressed, making this salad perfect for meal prep. Dried cranberries, toasted seeds, and the bright carrot-ginger dressing pack it with fun textures and flavors.
Mediterranean Chickpea Salad I especially love making this salad in late summer and early fall, when tomatoes, peppers, and fresh herbs are at their best.
Vegan Burrito Bowls Meal prep all the components on the weekend, and you’ll look forward to lunches all week! For a fun veggie twist, substitute cauliflower rice for regular rice.
Best Buddha Bowl A sunny turmeric-tahini sauce takes this veggie and brown rice bowl over the top.
Healthy Lunch Wraps These zingy wraps are one of my go-to meal prep recipes right now. Fully assembled, they’ll keep for a day or two in the fridge, but if you prefer to prep for the entire week at once, you can store the components separately and put the wraps together throughout the week.
Fresh Spring Rolls Good news! You can assemble these peanut spring rolls entirely in advance, so they’re great for busy workdays. Served with extra peanut sauce for dipping, they’re such a fresh, yummy lunch.
Soups and Stews
If you ask me, soups and stews are some of the best easy meal prep ideas. Here’s why:
They’re great for both lunch and dinner.
They often taste better on the second or third day, after the flavors have had a chance to mingle.
And they freeze super well.
Get ahead on your weekly meal prep by making a double batch of soup this weekend. Eat half this week, and freeze the rest for a busy week down the road. (These are my favorite containers for freezing soups and stews. They’re also perfect for prepping salads and bowls! Win-win.)
Easy Vegetarian Chili This smoky chili is a perfect one-pot meal! Thanks to the beans, it’s packed with protein, and it’s also filled with veggies like corn, onion, and peppers. If you like, top it with avocado and pickled red onions.
Easy Coconut Curry If you’re looking for easy meal prep recipes, add this curry to your rotation ASAP. It’s super simple to make, and it tastes just as good on day 3 as it does on the day it’s made.
Many-Veggie Vegetable Soup Adapt this recipe to use whatever veggies you happen to have on hand. Squash? Spinach? Bell peppers? They’d all be great here.
Cannellini Beans and Greens Make this recipe on a lazy Sunday when you’re hanging out at home. It takes some time, but it’s almost entirely hands-off.
Best Lentil Soup This soup’s lightly creamy broth and rich curry flavor have made it a Love & Lemons reader favorite. It keeps well for up to 4 days in the fridge and freezes like a dream.
Black Bean Soup Take your weekly meal prep to the next level by baking homemade cornbread to pair with this soup. They’re a match made in heaven, and both freeze perfectly.
More Freezer-Friendly Meal Prep Recipes
Soups and stews aren’t the only healthy meal prep ideas that freeze well! Make casseroles, patties, and more in bulk and freeze them to reheat on busy weeknights.
Easy Baked Ziti What’s better than saucy, cheesy comfort food on a chilly fall night?! To freeze this recipe, assemble the casserole up until the point of baking. Cover and freeze it in the baking dish. To reheat, bake, covered in foil, at 350°F for one hour, or until warmed through. Uncover it for the last 20 minutes of baking to brown the cheese on top.
Crispy Baked Falafel Jam-packed with herbs and spices, these homemade falafel balls are SO darn flavorful! Freeze them after baking. Then, reheat in a 400°F-oven for about 10 minutes, or until crisp and heated through.
Easy Black Bean Burger Freeze the cooked patties for up to 2 months. Reheat by baking them in a 400°F-oven until heated through, about 10-20 minutes. Then, pile them onto buns with your favorite fixings! I recommend pickles, onion, lettuce, tomato, and a big slather of chipotle sauce.
Best Vegetarian Lasagna Stuffed with roasted veggies, this recipe is a healthier version of the classic comfort food. To freeze and reheat it, follow the same method as the one listed for the baked ziti above.
Homemade Taquitos A super-fun appetizer or light dinner! After baking, freeze them for up to a month. To reheat, pop them in a 400°F oven for about 25 minutes, or until crisp and warmed through. Enjoy them plain, or serve them with plenty of salsa and guac.
Basic Healthy Meal Prep Ideas
Up to this point, I’ve shared healthy meal prep recipes for complete dishes. But one of my favorite ways to meal prep is actually by preparing components – not full recipes – that I can use in a variety of ways throughout the week. A pot of rice, baked tofu, a flavorful sauce…
I recommend this method if you don’t want to eat the exact same thing every day of the week. Here are some of my favorite components to prepare, along with my go-to ways to use them:
Whole Grains Perfect for bulking up grain bowls and salads, serving with curries and stir-fries, or tossing into fried rice. These grains are the ones I meal prep most often:
Roasted Veggies Serve them as a side dish, add them to a salad or bowl, fold them into tacos or burritos, stir them into pasta, bake them into frittatas…the options are endless! These veggies all keep well if you roast them ahead of time:
Flavorful Sauces Use them on salads, grain bowls, tacos, burritos, sandwiches, and more! If you meal prep a flavorful sauce, it will punch up so many of your meals throughout the week. Here are some of my favorites: