CLOSE
iStock
iStock

When Should I Throw Out My Makeup?

iStock
iStock

There are three reasons to chuck old makeup: First, anything that touches your hands and face becomes a veritable orgy of bacteria. Second, it has expired (yep, makeup does go bad—and who wants to use streaky nail polish or clumpy mascara?). Third, getting rid of old cosmetics is a great excuse to shop for more. 

LIPSTICK: 1 YEAR

Image Credit: Raysonho via Wikimedia Commons // Public Domain

There are two exceptions to lipstick’s (or lip balm's, or lip gloss's) one-year lifespan: If you’ve had an infection on your face or if the lipstick starts to smell. If either of these things happen, chuck it immediately. Trust us—you don’t want what’s crawling around in that tube crawling around your mouth.

FOUNDATION: 6 MONTHS

Bacteria thrive in damp environments, so the wetter a product is, the sooner you should throw it out. You may be able to get a good year out of powder foundations, but creams and liquids should be in the trash within six months. To keep track of expiration dates, use small sticky labels or a permanent marker to note the date you opened each product.

EYE SHADOW: 6 MONTHS TO 1 YEAR

Image Credit: Tiffany Bailey via Wikimedia Commons // CC BY 2.0

One year is the maximum, but some things—especially cream shadows or shadows you apply with your fingers—should go sooner. After a year, the shadow application won’t be nearly as good, anyway. You won’t do your face any favors by hanging on to it.

NAIL POLISH: 1 YEAR

Image Credit: Patrick Nygren via Wikimedia Commons // CC BY-SA 2.0

Say good-bye to that bin of nail polish you've been hoarding since high school, because there is no reason at all to keep nail polish after a year. It starts to self-destruct the moment you open it; twelve months out, that sweet shade will be clumpy and separated. Give it up.

MASCARA: 3 TO 6 MONTHS

Image Credit: Gregor via Wikimedia Commons // CC BY 2.0

It’s best to take a zero-tolerance policy on any product that comes into contact with your eyes. Old mascara can cause both clumping and nasty eye infections, neither of which is very cute.

POWDER: 6 MONTHS TO 1 YEAR

Powder needs to be tossed after one year; before then, use your judgment. If your powder starts to smell, has changed color, or doesn’t apply the way it used to, it’s time to let it go. Also: Clean your brushes. We're not joking.

BLUSH: 1 YEAR

Image Credit: Jen via Wikimedia Commons // CC BY SA-3.0

Cream and gel blushes should be in the trash within six months. Powder blushes can go a bit longer if you clean your brushes regularly.

MOISTURIZER: 1 YEAR

Slather on that moisturizer, because you need to use up the bottle within a year. The same is true for sunscreen, which actually loses its sun-blocking properties within 12 months of opening. (You are wearing sunscreen every day, right?)

EYELINER: 4 TO 6 MONTHS

Image Credit: Liwe-photos Photography via Wikimedia Commons // CC BY-SA 3.0 de

As with mascara, it's risky to keep eyeliner around longer than you should. You might get a gross eye infection; you might not. But why roll the dice when you can just pick out a new one?

nextArticle.image_alt|e
iStock
ATM Fees Reach a New Record High
iStock
iStock

You have good reason to flinch every time you withdraw cash from an out-of-network ATM. The cash machine operator and the bank each hit you with a separate fee for these withdrawals, and both types set record highs this year, according to a new Bankrate survey.

In Phoenix and Atlanta, grabbing cash from an out-of-network ATM will set you back more than $5. But even the cheapest metro area isn’t actually much less expensive: In San Francisco, the average fees are now $3.90. “The national average is $4.57, which means stopping at an out-of-network ATM for $20 will cost nearly 23 percent in fees,” says Greg McBride, CFA, Bankrate's senior vice president and chief financial analyst.

To skirt the fees, stay in network. Virtually any bank will let you withdraw money from its own ATMs, of course. But if you want easy, low-cost access to more cash machines, ask your bank if they participate in a larger ATM network. Some do, to provide their customers with more widespread access.

While ATM fees climbed higher in 2016, one type of bank fee actually broke its 17-year streak of increases: overdraft fees. The average is now $33.07 (yikes!), but that's 0.1 percent below last year’s average. It’s probably too soon to celebrate the downward trend, says McBride. Overdraft fee increases still outnumbered decreases by 5 to 1 in the national survey.

McBride’s best advice for avoiding the hefty penalty? “Sign up for email and text alerts that let you know when your balance is getting low, so you can proactively move money into the account,” he says. “And keep tabs on your available account balance through online and mobile banking—particularly before initiating transactions.”

nextArticle.image_alt|e
IStock
Which State Has the Most Millennials Still Living at Home?
IStock
IStock

Escaping your parents’ home doesn’t seem to have quite the same urgency it once did. According to Time, recent Census data indicates that a substantial number of Millennials—typically considered to be those 18 to 34 years of age—are choosing to remain in their childhood residences, with one state in particular crowding out the rest.

The winner? New Jersey, which has just under 47 percent of that demographic living at home. Eastern state neighbors New York and Connecticut each have roughly 40 percent choosing to stay in the nest, a significant spike from the national average of around 33 percent. That’s up from 23 percent in 2000. (The state with the lowest percentage of Millennials rooming with their 'rents? North Dakota, with just 14.1 percent.)

It can be difficult to extrapolate why some states have more clingy kids than others. The price of real estate might be one explanation (rent is much more expensive in New Jersey and New York than it is out West); the trend of Millennials getting married later in life might be another. Without the need for their own mortgage, utility bills, and consumer spending, it’s possible that the homebodies may even be contributing to an economic downturn.

Then again, who can resist free laundry? “There’s the comfort of someone to help you out at all times,” college student Irsia Khan told USAToday.com in June 2016. “Having your meals ready and your laundry done for you takes the load off on the rest of the things you go through in college.”

[h/t Time]

SECTIONS

arrow
LIVE SMARTER
More from mental floss studios