Is your 15-step Korean skin care routine making your budget crack? Here’s how to find out if your routine is a financial problem, and how you can get beautiful, moisturized skin without spending all your money.

Are You Spending Too Much on Beauty?

Keeping up with the latest trends can be expensive. Luxury brands slap a high price tag on their moisturizers and sunscreens.

It’s easy to waste a lot of money on products when you’re first starting out and testing which ingredients work with your skin. And if you don’t budget, you’re probably putting all your failed skin care experiments on credit. 

Maxing out your credit cards is risky. Eventually, carrying over a maxed-out balance will lower your credit score. It also ties up all your available credit, so you can’t use these cards in an emergency. 

So, what happens if your car breaks down out of the blue and you need to repair it today to get to work tomorrow? Without a credit card, you may need to look for emergency loans online for help.

Some emergency loans are available even if you’ve done damage to your credit score. You’ll have to specify this when you’re looking where to apply for emergency loans online. It’s as simple as typing this into your Internet search: emergency loans for bad credit.

How to Spend Less without Giving up on Skin Care

You don’t have to max out cards and take out online emergency loans. Follow these tips below to spend less on beauty products without sacrificing your look.

1. Budget

A simple budget can help you set realistic spending limits. Stick to this limit once you know how much you can realistically spend on skin care each month.

2. Do Your Research

Figure out what you want to achieve with your skin care regime. Do you want to eliminate dry skin, undo damage from free radicals, or target acne? Look for products that promise to help you with these goals, then do a thorough review of brands and ingredients. 

The more you know about what each ingredient does, the better you’ll be at spotting well-made products, even when they aren’t attached to a well-known luxury brand. Hint: that helps with the next step.

3. Look for Dupes

Part of your research should include looking for “dupes” or duplicates of expensive luxury brands. These items tend to contain the same ingredients (in the same order) and promise the same results. 

The biggest differences? The packaging and the price. Although they may not share the same name, a good dupe is a lot cheaper than a luxury brand. 

4. Get to Know Your Actives

While it may feel satisfying to put on every serum, moisturizer, and oil at once, this is hard on your skin. 

Some active ingredients should never be mixed on your skin within 12 hours. You can have a painful reaction that leads you to believe you can’t use these products. This convinces you to throw them out and buy another bottle, only to start this expensive process all over again.

In reality, you can use actives regularly, as long as you space them out. Learn how to layer your skincare for the best results, and know which actives should never mix.

Keeping up with the latest beauty trends is possible. Best of all, you don’t have to bust your budget or rely on emergency loans while doing it — follow these tips to stop overspending.