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Luckily, my mom instilled in me that credit cards were not to be used unless you could afford to pay it off right away. The only credit card I had for a very long time was my mom’s credit card, which I used for living expenses when I was in high school/college. Even now, her credit card is my emergency credit card! I use my debit card for just about everything else, with the occasional store card for certain rewards/points or if there’s a financing promotion on a really big ticket item. I never went into debt because of beauty products thanks to my mom’s advice!

— Christine

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OMG tell me about it. Bill me later just let me keep going and going and going. The biggest chunk of my charges went to UD’s site. I totally knew better and learned from it. Still paying it back, though. 😛

A good chunk of my change went to MAC. Thank god Sephora doesn’t let you check out with paypal or my life would be a disaster!! Haha.

NO, not Bill Me Later!!!! I got rid of all my credit cards many, many years ago, and then…..I discovered the excellent deals available for beauty products on ebay (ebay is another of my woes), and low and behold, what is this Bill Me Later I see? Oh, downhill from there. I just discovered the whole thing in Jan. or Feb and the amount of damage I’d managed to do in such a short period of time! Hangs head in shame! I managed to pay a lot of it off last month, but the lure of having available credit! The funny, but not so funny thing is that I don’t even like a fair amount of the stuff I purchased, and it is sitting here brand new, never used. I think I should try to sell it on ebay, but I need to get/borrow a camera.

That’s just about the best quote ever! “Food or makeup….I WILL STARVE!” hehe. Love it!

There’s a quote I read that said, that people “are more willing to give their name, age, and even detais of their sex life than provide the amount of their credit card debt”. :-/

For anyone that’s interested, the quote was from “I Will Teach You to be Rich” by Ramit Sethi; you can get it for like $10 on amazon. The title is very misleading–not at all a get rich quick book. It just talks about how to manage your finances, pay off debt & school loans, start investment accounts, etc. I absolutely loved it! The author was hilarious and the book itself was extremely helpful! 🙂

I totally agree with Jennifer about the book “I Will Teach You to be Rich” by Ramit Sethi. It is brilliant and informative.

And, for me, going into debt for makeup is just not an option; it will never be an option. If I can’t buy it with cash then I can’t buy it.

Nope never. Even though i always use my credit card to make beauty purchases, I always make sure I can pay the entire month’s balance, not must the minimum. I just do this to increase my credit score, which I’m proud to say, is quite high. xD

But then again, I guess I’m at an advantage since I don’t purchase any color products. Not to mention that take every advantage I can when it comes to sampling. Finally, I’m just OCD about the product I purchase, so I never ever have impulse buys. I do a ton of research, product testing, and documentation for products in a same category for (mostly) unbiased comparisons. Lucky and unlucky me. 🙂

Yes, a little, but you know what? Its a good investment if it brings you joy. As long as you’re not being selfish ya know?

Debt doesn’t bring joy, though. Debt brings problems. It’s silly to spend more than you have on something like makeup.

No way! I may spend more on makeup than the average person, but luckily I had a mom who gave me the same valuable lesson. I love you mom 🙂

Yep I will woman up and admit I made a HUGE fail in my finances. I was so good when I first got my cards, I paid them off right after I bought something so it was kind of like extra debit cards to me but with some extra rewards/benefits. And then in the time I was 19-21, I really screwed up. I just started spending so much on MAC, Lancome, and all sorts of beauty brands. I even spent a lot on clothes too. I did it so fast I suddenly maxed out 3 cards! I racked up so much debt that I am still paying for now that I am 24. I learned my lesson but in a very hard way, I luckily learned it young so I can correct this but it really sucks being in debt.. :/ I have to work almost full time to pay my bills down for the month and then try to go to school full time. I give much props to all of those who had exercised restraint and spent within their limits. I used to be that way, but then I turned into an idiot.. 🙁 I’m going to try and go through all of my brand new items and sell it so I can use that towards paying my debt off quicker.

Not yet (and hopefully, not ever)!! My mom tells me the same thing yours did, so I use my debit card for EVERYTHING. If I don’t have the money for it, I don’t buy it. Simple as that.

No way. I grew up with very little money, so I know the value of a dollar. I’m 30 years old and have never had a credit card. As the SNL skit says, “Don’t buy stuff you can’t afford”. Makes perfect sense to me.

No. I only spend money on beauty products when I know I can afford to be spending! I’m not big on credit cards, either. My parents taught me the same thing, “if you don’t have the money to pay for it now then don’t buy it until you have that money to pay for it.” In general, I have a really hard time spending on myself. If it’s for someone else I care about, no problem, but when it comes to me it’s always, “OMG. That price is insane! I’m not going to buy that!” Thankfully, I’m really happy with what I have now to use, so I haven’t felt compelled to buy too many new items.

Never…I had the opposite experience as yours Christine. I watched my mother live over her means via credit cards to keep up an appearance. She was beautiful and always looked great, but there are essentials in life and as fun as it is…cosmetics are not one of them. Don’t hang me ladies…be nice. My point is just think of what is needed for survival: food, shelter, clothes and medical…makeup is a treat.

i absolutely agree with you. i know this is a beauty blog, but lets be realistic here. makeup is not a necessity but a treat. you WILL survive without the latest TF lipstick or mineralize skin finish..

Not at all…unless it’s cars or a house, I don’t buy anything unless I can pay it off right away, same with you! All thanks to my mom as well. 🙂

Oh hell no. Beautiful makeup is nice to have. Debt? Not so much. If I can’t afford it, I don’t by it, no matter how much hype there is or how much I am lusting after it.

No way…and if I ever did, I would have to seriously reconsider my priorities. While I do tend to blow my spare money on makeup, I always set aside money from my paycheck for savings (for a car) and food first. And I keep my spending money in cash so I can never spend more than what I have. I have a hugee makeup wishlist and so much stuff I wish I could afford, but I guess I’m used to being poor.

I’ve never gotten into debt because of makeup, if I don’t have the money I dont have the money. I’ve come to learn that MAC LE collecions aren’t the be all and end all and therefor permanent products from all brands will be there when I can afford them… Thanks mum and dad =)

Never!!! I’m in college and its all about learning to deal with your money. The first three months were hard to deal with financially ~ I never had to think about buying food and cleaning products, on top of that I suddenly had money to spend! But I never went into dept, my parents warned me not to thankfully. If I ever need to go into dept, dad said to borrow money from him instead. There is NO way I would put myself into a situation where I need to borrow money from him because I don’t have enough left to eat and then have to tell him its because I bought to much makeup. That would be horrifying!

Yes I have! But to be fair, I had the most basic basics (foundation, day moisturizer, night cream, mascara) so when I got into makeup I had on my list. And it was paid in 3 months… Also eye makeup has a collecting nature; I use the same 10 shades all year round, yet I have 12 Inglot and Mac (each) and 2 small UD’s palettes, nevermind my indie Fyrinnae stash. I know it’s nothing compared to some other people, but to me it’s a lot compared to what I used to have!

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