The thought of retirement can be scary. Not only are you consciously leaving behind the routine consistency you’ve had for upwards of 30 years, but you also lose some financial stability.

Saying goodbye to your income can be daunting and emotional. However, there are a few good ways to make your savings last longer in retirement. I would like to share my top six tips.

Travel Wisely

Although the instinct upon retirement might be to travel as far and wide as possible, plan and spread your trips out. Your savings have to last you a fairly long time, so it’s important to prepare wisely. Instead of heading straight overseas and not coming back, think about having more of a gentle break. You could also spend time with your family or travel domestically to keep costs low.

Consider Downsizing

If you no longer have kids or pets at home, a move might be a good step to recoup some extra funds. As scary as it is, if you own property, downsizing in retirement could be extremely positive for your savings. If you think your bank account might be in need of an extra push, consider selling to boost your retirement savings significantly, which brings me to my next point.

Take the Plunge and Switch Banks

Loyalty to your bank could be holding you back. In fact, many people miss out on opportunities to lower fees or get a better deal because they don’t understand the process of switching banks, or haven’t considered it. Instead of missing out, compare high-interest savings accounts online through a financial comparison website. This should give you a good idea of whether you could be earning more interest on your hard-earned savings.

Review Your Spending

Often, we continue to pay for things out of habit and don’t consider revaluating our finances. Take a closer look at your regular bills and payments such as your insurance, mortgage, and other accounts or subscriptions such as your gym membership. Reviewing your health insurance policy, for example, can ensure you aren’t paying for extras such as pregnancy coverage.

Declutter

Consider cutting down some of the things you have around the house. Not only will it clear out your space, but you could earn some extra income in the process, which could be useful. Instead of throwing things out, you could sell appliances, lawn mowers for example, or other things online. A bit of spare cash never goes astray, and there are many ways you can make money on the side.

Take Advantage of Concession Prices

Public transport and certain sights almost always have concession prices that are significantly lower than the price of a general ticket. If you do take the train or bus regularly, a senior’s concession card would probably be worthwhile for you, and should give you tickets that are around half price. Other places you can receive concession prices include museums, zoos, aquariums and libraries.

Although it may be daunting considering your retirement, it shouldn’t be as scary as it seems! It’s a big lifestyle change so it’s important to make sure you adapt your routine to accommodate for it. Good luck, and enjoy.

Are you scared of retirement? What advice would you give to your Sixty and Me sisters if you already retired? Please share your thoughts!

Whether you’re simply ready for a change, want to freshen up your look or your favorite lipstick has been discontinued – and doesn’t that happen way too often? – finding just the right lip and blush color can be a game-changer.

Just two weeks ago I saw this striking transformation when I was working with Gail. She wanted a makeup ‘update,’ but was just fine with the lipstick she’d been wearing for quite some time. I asked her if – just for the fun of it – we might try a new color.

After I applied the peach colored lipstick, she didn’t say a word, but kept looking in the mirror. Then, as she continued to look in the mirror, she said in a voice I could barely hear: “Wow. What did you say the name of this lipstick was?”

This is not to say that finding the right lipstick and blush colors is easy. In all honesty, it’s not. In fact, it’s about as easy as saying “no” to mashed potatoes and pumpkin pie on Thanksgiving.

Nevertheless, it’s absolutely worth scouring a few different makeup counters in search of the colors that will make your skin look radiant.

How to Determine Your Skin Undertone Color

Before the scouring begins though, the first step is to determine the undertone of your skin. Is it warm or cool, or somewhere in between (neutral)?

And even if you know your skin undertone, it’s important to be aware that though our overall undertone does not change as the years fly by – since it’s based on the color of the fat cells beneath our skin – the skin’s upper layer does get thinner which subtly alters its color.

Just as our eyes become less bright and our hair gets lighter, we also become paler.

In short, we lose contrast. So even though you still have the same skin undertone, you may need to go with lighter or brighter colors than you did when you were younger and some of us will need to go darker or deeper.

For those with darker skin tones, the skin changes a little later and can develop dark discoloration areas (hyperpigmentation) or lighter areas (hypopigmentation) which may also require going lighter or brighter, or darker and deeper in shade selection.

Here are some clues to help you solve the undertone mystery.

Look at the veins on the underside of your wrist

Are they blue or green – or somewhere in between? Blue means a cool undertone, green means warm and “somewhere in between” usually means neutral.

Cover up your hair and hold silver, then gold jewelry next to your face

Is there one color which looks better against your skin? Silver jewelry works better with cool skin tones and gold with warm tones. Those with neutral skin tones can wear both well.

Do you tan or burn?

Usually women with warm undertones will tan and cool will burn.

Bend your ear forward

Does it look more pink (cool undertone), yellow (warm undertone) or neutral?

Close your eyes and visualize a bright fuchsia lipstick and a bright orange lipstick

You may dislike both, but chances are you’ll like one at least a little more than the other. If you prefer fuchsia, you are more drawn to cool tones and most likely have a cool undertone. If you chose orange, you gravitate toward warm colors and, chances are, you have a warm undertone.

Drape pink and yellow fabric near your face

If you have some bright pink and bright yellow clothing or fabric, cover your hair and drape it around your shoulders so you just see your face and neck. Which color makes your skin look brighter and more alive?

You can also do this test using silver and gold fabric. If silver or fuchsia perks up your skin tone, you have a cool undertone. If bright yellow and gold look best, you have a warm undertone.

Which neutral tones are most flattering to your skin? Bright white, black and grey? Your undertone is cool. Ivory or tan? You’re a warm undertone.

What color top, blouse or scarf always draws compliments?

If the color falls on the warm side of the color wheel (reds, corals, yellows, etc.), you most likely have a warm undertone, and if the color is on the cool side of the color wheel (blues, blue-purples, etc.), you most likely have a cool undertone.

If you’re still unsure – and this can certainly be the case for many of us – invite over several friends and go through the process together. Objective opinions can be helpful… and the process is sure to be punctuated with laughter and fun.

Now That You Know the Undertone, What Colors Do You Choose?

If your skin has a cool undertone, the following makeup colors will work best for you: blue-based pinks, raspberry, wine and berry shades, ruby and blue-reds. Best colors for warm undertones are: peach, tangerine, orange, coral, orange-reds.

And if you fall into the “neutral” category, you can go in either direction with your color choice. However, you probably want to stay somewhere in the “middle” of the warm and cool color spectrums rather than at the extreme ends.

Now that you know your best colors, you’re ready for “the hunt.” In my next article, I’ll share some tips that I hope will be helpful as you search for just the right lipstick and blush colors to give your face that beautiful glow.

Do you know the undertone color of your skin? What colors of makeup do you find particularly complementary on your skin tone? Please share in the comments below!

Dorinda Medley’s Gold Blazer on RHONY

Real Housewives of New York Season 12 Episode 5 Fashion

According to the previews for this week’s episode of RHONY Sonja Morgan sends all of the ladies outfit options to wear to her Sonja By Sonja Morgan fashion show at NYFW, and she seriously could not have been more dead on with her choices for everyone but Leah McSweeney apparently. Like this cool metallic blazer Dorinda Medley ends up wearing, which was definitely a choice as good as gold.

Fashionably,

Faryn

Click Here to Shop Her Sonja By Sonja Morgan Blazer

Click Here to Shop Her Alice + Olivia Tank

Photo & Info: @DorindaMedley

Originally posted at: Dorinda Medley’s Gold Blazer