If you purchase an independently reviewed product or service through a link on our website, STYLECASTER may receive an affiliate commission.

For years I’ve been skimping on eye cream in the mornings. I found that it made my under eye concealer slip off easier, and I figured since I was wearing it at night, I was covered. But as more and more fine lines quickly approach, I’ve been on the lookout for something that can handle all my going-out-in-the-sun needs, and guys, I think I’ve finally found it. This eye cream/concealer hybrid from Colorescience is like an eye cream on steroids. It hydrates, conceals, brightens and provides anti-aging benefits all in one.

You’re probably already using a tinted SPF or BB cream throughout the day, and you can think of this as a tinted eye cream. It has the feel of a cream but the color of a concealer, and thanks to ingredients like albizia julibrissin bark extract, sea water, sorbitol and jojoba esters, the eye area actually appears brighter as soon as you apply it. It has just the perfect amount of sheer color, and I love dabbing it on for my no-makeup makeup look days, or just when I need to run outside in the sun for some quick errands or a long walk to take in the gorgeous fall temps.

Courtesy of Amazon.

Colorescience Total Eye 3-in-1 Anti-Aging Renewal Therapy for Wrinkles & Dark Circles

It also acts as a primer so you can pat this on before you put on your all-day concealer and ensure you have SPF coverage throughout the day. This product is “phenomenal at light reflection and brightening,” wrote one reviewer on Amazon. “It’s expensive, but a little goes a long way.”

Another said, “I’ve been using this for a few years now. After about 5 minutes of putting it on, the puffiness is minimized. I don’t have huge bags but i do have dark circles. The tint helps with this also. I doesn’t have an odor and it goes on smoothly. I put my moisturizer on after this and it all blends well.”

The formula is also made without parabens, sulfates, phthalates and synthetic fragrance. It comes in four different shade ranges so you can find the perfect shade to dab out dark circles and instantly hydrate and brighten the eye area. The metal applicator tip stays cold so you get an additional boost of cold therapy every time you apply it.

Grab it from Amazon now for $74, or from the Colorescience website for just $62.90 once you enter code NG15 at checkout to save 15 percent.

Inflation is a significant concern for retirees worried about the rising costs of necessities. According to a recent Global Atlantic Financial Group survey, 61% of retirees who invest assume that with low-interest rates and rising inflation, they won’t have enough saved to cover their lifetime expenses.

Retirees worried about exhausting their retirement savings early may find that inflation only adds to their concerns.

Here is a list of strategies to consider as you face rising inflation.

Evaluate Your Spending Patterns

Rather than looking at what you have spent in the last couple of weeks, go through your bank and credit card statements from the previous three to six months. The further you go back in time, the more data you will have to get a more accurate idea of your average monthly expenses.

If your expenses have increased over the last couple of months, use this inflation increase percentage to calculate how inflation has impacted your bills.

Analyze Your Budget

If you find that you are spending more than you owe, it might be time to cut back on your expenses. Start by identifying nonessential expenses, like entertainment and eating out, and see if anything can be cut or reduced. If you have extra money left over every month, use it to pay off debt or put it in an emergency fund.

Postponing Big Expenses

Suppose you are planning a vacation, considering remodeling your home, or buying a luxury purchase. In that case, you should consider postponing these purchases and allocating the funds toward your day-to-day living expenses. Then, when inflation has subsided, you will have the chance to make extra splurges into your budget again.

Utilize Your Cash

For those with substantial cash reserves, it might be time to spend those funds rather than selling stocks or making withdrawals from your retirement accounts. Don’t withdraw from your emergency fund when using cash to cover expenses. Your emergency fund is geared to helping you in unexpected financial circumstances.

Pay Down Debt

One of the best ways to increase the longevity of your retirement savings is to reduce your monthly expenses. With rising inflation rates, paying down adjustable loans, like credit cards, will free up extra cash for living expenses.

Consider Downsizing

For those who want to reduce their current expenses, a smaller home might help. Look for neighborhoods that cater to retirees or are easily accessible to supermarkets. By downsizing, you can use the proceeds of selling your home and furniture to cover your expenses or set aside savings for the future.

Let Social Security Help

Social Security benefits, adjusted based on the inflation rate and the standard cost of living, can play a crucial role in supporting your monthly income in retirement. For half of retirees, Social Security benefits form a large part of their income. As inflation increases, retirees receiving Social Security will see their income reflect this change.

Invest in Inflation Hedges

Choose investments with inflation protection to reduce inflation’s impact on your retirement savings. Some possibilities include the following:

TIPS

Treasury inflation-protected securities (TIPS) is a Treasury Bond that adjusts their return based on the inflation rate.

I-Bonds

Series I Savings Bonds pay a low, fixed interest rate and a variable rate that adjusts based on the inflation rate.

Other Options

Other inflation hedges are investments that tend to do well during periods of high inflation, like real estate investment trusts (REITs), precious metals, and commodities.

Keep Working in Retirement

The best way to preserve your capital is by continuing to earn money. Every dollar you earn in retirement is one dollar you don’t need to withdraw from your retirement savings. Of course, this doesn’t mean you have to keep a 9-to-5 job that you don’t enjoy. Instead, reducing your hours, finding a new job, or creating passive income can give you an extra cushion for retirement.

Consult A Financial Advisor

Determining whether you have enough money to last until your last days is often challenging, and inflation makes it trickier. For example, an inflation rate of 3% per year can cut your retirement savings by more than half over 25 years. To ensure a concrete retirement plan, consult with a financial advisor to understand your future financial needs and how to prepare adequately.

Let’s Have a Conversation:

What scares you the most about inflation in retirement? What have you adjusted to try to beat inflation in retirement? 

If you purchase an independently reviewed product or service through a link on our website, STYLECASTER may receive an affiliate commission.

For years I’ve been skimping on eye cream in the mornings. I found that it made my under eye concealer slip off easier, and I figured since I was wearing it at night, I was covered. But as more and more fine lines quickly approach, I’ve been on the lookout for something that can handle all my going-out-in-the-sun needs, and guys, I think I’ve finally found it. This eye cream/concealer hybrid from Colorescience is like an eye cream on steroids. It hydrates, conceals, brightens and provides anti-aging benefits all in one.

You’re probably already using a tinted SPF or BB cream throughout the day, and you can think of this as a tinted eye cream. It has the feel of a cream but the color of a concealer, and thanks to ingredients like albizia julibrissin bark extract, sea water, sorbitol and jojoba esters, the eye area actually appears brighter as soon as you apply it. It has just the perfect amount of sheer color, and I love dabbing it on for my no-makeup makeup look days, or just when I need to run outside in the sun for some quick errands or a long walk to take in the gorgeous fall temps.

Courtesy of Amazon.

Colorescience Total Eye 3-in-1 Anti-Aging Renewal Therapy for Wrinkles & Dark Circles

It also acts as a primer so you can pat this on before you put on your all-day concealer and ensure you have SPF coverage throughout the day. This product is “phenomenal at light reflection and brightening,” wrote one reviewer on Amazon. “It’s expensive, but a little goes a long way.”

Another said, “I’ve been using this for a few years now. After about 5 minutes of putting it on, the puffiness is minimized. I don’t have huge bags but i do have dark circles. The tint helps with this also. I doesn’t have an odor and it goes on smoothly. I put my moisturizer on after this and it all blends well.”

The formula is also made without parabens, sulfates, phthalates and synthetic fragrance. It comes in four different shade ranges so you can find the perfect shade to dab out dark circles and instantly hydrate and brighten the eye area. The metal applicator tip stays cold so you get an additional boost of cold therapy every time you apply it.

Grab it from Amazon now for $74, or from the Colorescience website for just $62.90 once you enter code NG15 at checkout to save 15 percent.

If you purchase an independently reviewed product or service through a link on our website, STYLECASTER may receive an affiliate commission.

For years I’ve been skimping on eye cream in the mornings. I found that it made my under eye concealer slip off easier, and I figured since I was wearing it at night, I was covered. But as more and more fine lines quickly approach, I’ve been on the lookout for something that can handle all my going-out-in-the-sun needs, and guys, I think I’ve finally found it. This eye cream/concealer hybrid from Colorescience is like an eye cream on steroids. It hydrates, conceals, brightens and provides anti-aging benefits all in one.

You’re probably already using a tinted SPF or BB cream throughout the day, and you can think of this as a tinted eye cream. It has the feel of a cream but the color of a concealer, and thanks to ingredients like albizia julibrissin bark extract, sea water, sorbitol and jojoba esters, the eye area actually appears brighter as soon as you apply it. It has just the perfect amount of sheer color, and I love dabbing it on for my no-makeup makeup look days, or just when I need to run outside in the sun for some quick errands or a long walk to take in the gorgeous fall temps.

Courtesy of Amazon.

Colorescience Total Eye 3-in-1 Anti-Aging Renewal Therapy for Wrinkles & Dark Circles

It also acts as a primer so you can pat this on before you put on your all-day concealer and ensure you have SPF coverage throughout the day. This product is “phenomenal at light reflection and brightening,” wrote one reviewer on Amazon. “It’s expensive, but a little goes a long way.”

Another said, “I’ve been using this for a few years now. After about 5 minutes of putting it on, the puffiness is minimized. I don’t have huge bags but i do have dark circles. The tint helps with this also. I doesn’t have an odor and it goes on smoothly. I put my moisturizer on after this and it all blends well.”

The formula is also made without parabens, sulfates, phthalates and synthetic fragrance. It comes in four different shade ranges so you can find the perfect shade to dab out dark circles and instantly hydrate and brighten the eye area. The metal applicator tip stays cold so you get an additional boost of cold therapy every time you apply it.

Grab it from Amazon now for $74, or from the Colorescience website for just $62.90 once you enter code NG15 at checkout to save 15 percent.

If you purchase an independently reviewed product or service through a link on our website, STYLECASTER may receive an affiliate commission.

There’s nothing more important than having multi-tasking products in your skincare cabinet. Though having a 10-step or more skincare routine is in vogue, versatile formulas save you both time and money, and isn’t that always the end goal? You might be wondering where the heck to start, but to keep it short and sweet, you really only need to find yourself a solid vitamin C serum. 

How could a single product be able to do so much? It’s simple: Vitamin C is known to promote collagen production, protect against free radical damage and smooth skin texture. All of that manifests itself in a radiant, even, youthful-looking complexion. That’s why Dermalogica’s Biolumin-C Serum needs to be in your shopping cart right this second. It’s a lightweight serum that taps on vitamin C, lactic acid and chia seed oil. Together, they brighten, exfoliate, protect and firm your skin so well that you’ll be shocked by the results. 

It’s not surprising that the product has earned a 4.6-star overall rating, with one shopper saying, “This serum makes my skin look clean and dewy. I’m obsessed. A must for anyone starting to see fine lines.”

If you’re trying to fade hyperpigmentation, get rid of tiny bumps on your skin and lessen the appearance of wrinkles, you’re in the right place. Dermalogica’s vitamin C Serum is ready to instantly transform your skin into an even brighter, dewier masterpiece. 

RELATED: Hailey Bieber Swears This TikTok-Viral Vitamin C Serum ‘Changed’ Her Skin 

Photo: Dermalogica.

A trio of key ingredients gives this serum its magical, skin-altering powers. The vitamin C complex is made up of two stable forms of vitamin C that work together to brighten and smooth your complexion. Additionally, lactic acid, an alpha hydroxy acid, sloughs off dead skin cells to reveal a stunningly clear and glowy layer of skin. On top of all that, chia seed oil protects skin from environmental aggressors, which is always a must. With an ingredient list that good, we’re more than certain your skin’s about to serve.

“I could tell a difference in the brightness and feel of my face within the first five days,” wrote one reviewer. “As time went on I started to have a radiant glow. I had a few dark spots that are getting lighter by the day.”

To apply, use a full dropper of product and rub it all over your face and neck in both the morning and night. Be sure to do this after toning but before moisturizing to see the best results. 

“This serum works incredibly well in brightening dull, aging skin. I am very happy with the results in just the first few weeks,” wrote another shopper. 

Don’t put up with hyperpigmentation, uneven texture or damaged skin any longer; Dermalogica’s Biolumin-C Serum is here to bring all of the radiance, protection and clarity you deserve.