Broke But Beautiful: Making the Best of it When on Budget

Chantelle Bester, Contributor from the Ghanaian Journal

There can’t be anything worse than realising that you’ll have to drop your beauty standards a few notches in order to be able to live through the month. Being on a budget is sadly, a rather common occurrence but there are ways not to let it affect your grooming too much.

I was recently reminded of this when I stood in a cosmetic department and could not, for the life of me, find a cleanser for under 300 bucks — and I don’t know about you, but in the last week of most months, 300 bucks means a lot in my wallet.

Here are some of my tips on how you can make the most of your budget, which products are essential, which can be skipped altogether and which can be left until “next month”….

Keep it clean

Cleansing is an essential step, and should never be skipped or skimped on. Free Radicals (from pollution, UV radiation, smoke, dirt and dust to name a few) accumulate on your skin during the course of every day, and need to be removed since it’s the main cause of skin ageing.

Fortunately you do not need an expensive product to do the job, and many trusty pharmacy cleansers are kind to your skin and your bank balance. A cleanser need not have fancy ingredients, but look for terms like “pH balanced” and “soap free”.

The term “dermatologically tested” means nothing to me — all products have to be tested before they are allowed to be sold. If you want the extra benefit of exfoliation (removal of dead skin cells), look for a cleanser with fruit enzymes, Alpha Hydroxy Acids (AHAs) or salycilic acid — this eliminates the need for an additional exfoliating product thus saving you some more bucks.

Not Particularly Useful

I’m probably at risk of being publicly stoned, but I do not see any need for a toner with the technology used in skincare nowadays. Cleansing twice will benefit you much more than a toner if it’s the squeaky-clean feeling you’re after, or if you feel that a toner does the last bit of cleaning for you. It certainly does no harm, but gone are the days of astringent toners that claim to “tighten” or “close” the pores after cleansing. Why would you want to “close” your pores if your next step is to apply cream?

Scrub-a-dub-dub

Exfoliation is another important step. If you do not exfoliate, dead skin builds up which causes blockages like black- and white-heads, and prevents your skincare products from penetrating properly.

Imagine the blackened layer on a burnt slice of toast – no butter will get through to the rest of the bread, meaning you might as well be pouring your moisturizers and serums down the drain. Not being a fan of abrasive granules in exfoliators (they are, after all, abrasive and damaging to more sensitive skins), I prefer an exfoliator with enzymes and/or AHAs that gently but very effectively loosens and dissolve dead skin cells without being too harsh.

If you prefer an exfoliator with granules (or a scrub, as it’s commonly known), I would advise going for something that contains artificial beads that are mechanically made to be perfect spheres that will not scratch or injure the skin surface, unlike natural ingredients like ground pumice. You can also, as mentioned earlier, use a cleanser with exfoliating properties.

The next step

Serums and treatment creams are an important step in correcting any skin conditions (think pigmentation, acne, sun damage, ageing skin). This is a product worth spending a little more money on, since it should play a large part in the results you achieve from your skincare regime, provided your skin is well exfoliated of course. You can change or switch serums once or twice a year, or as your skin develops different needs.

Hydrate your skin

Many professionals, especially dermatologists, believe a moisturiser, no matter how prettily packaged, is still merely a moisturiser and its function is to deliver moisture to the most superficial layers of the skin.

If you have no skin problems, or if you are using a good serum or treatment cream, a basic pharmacy moisturiser will do the trick. If, however, your skin is exceptionally dry or dehydrated, be on the lookout for a moisturiser containing Hyaluronic acid, or ask for products that contain humectants — ingredients that are specifically designed to attract and transport moisture to where it is needed.

Get protection

Another boring-sounding but vitally important step in your skincare regime is sun protection. A sunscreen with a SPF of 20 to 30 is ideal for everyday use. Come rain or shine, your sunscreen protects your skin against various forms of UV radiation, and can greatly slow down the ageing process and maintain an even complexion. A sunscreen can be used over a moisturiser, or you can use a moisturiser that contains an SPF of 20 or higher.

Not an iron mask

Masks have always been the last products I would recommend as it may be a nice extra to have, but not an essential at all. If you need or want something extra, you will benefit much more from a serum, since it can penetrate more effectively, and is not rinsed off the skin.

Putting on your face

The rule is stick to a good foundation (mineral foundations have added skin care benefits) that is non-comedogenic (does not block pores and cause blackheads), non-acnegenic, and oil-free.

Unfortunately, the more smudge-proof/long lasting/waterproof/magical it claims to be, the more chemicals have to be added to it. This is something you have to weigh up as the confidence you might gain from “flawless skin” makes up for this in most cases.

And the rest

Looking at the other stuff in your cosmetic bag, I like having decent mascara, eyeliner and bronzer, and for the rest I shop during the seasonal sales in the cosmetic departments. For example, you’re probably not going to use an eye shadow in a high fashion colour very often, so a cheapie will do just fine. And I have honestly bought some R30 lipglosses that are way better than a R300 version I have owned.

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Thus Sayest Gen. Collin Powell with my Commentaries

Gen Collin Powell
Gen Collin Powell

Over the Christmas break, I was reading a newspaper article which passively made mention of Gen. Collin Powell, the former US Secretary of State. I instantly decided to do article on this great African American leader. The result is this article. I collected some of the most powerful quotes by Gen. Powell and added my personal commentary to each of them. I hope you find them helpful.

Mr. Powell’s words are in bold italics followed by mine.

  • Quote 1Command is lonely.” Being at the top is not always as fun as it seem. I can really be lonely at the top.
  • Quote 2. “The commander in the field is always right and the rear echelon is wrong, unless proved otherwise.” In simple terms, we’ve got to realize that the folks close to the problems are often in the best position to see the solutions.  The leader’s roles should be the empowering of the people to see their own solutions.
  • Quote 3. “Being responsible sometimes means pissing people off.” A leader must take a stance and make the tough call. Trying to make everybody happy is not leadership because the right decisions aren’t always the popular ones.
  • Quote 4. “Don’t be afraid to challenge the pros, even in their own backyard.” Challenge the status quo. You have every right to do that. Question the conventional wisdom and ask why not the other way.
  • Quote 5. “Keep looking below surface appearances.  Don’t shrink from doing so just because you might not like what you find.” The problem won’t solve itself. Assuming it doesn’t exist won’t get rid of it. You’ve got to face it as it today or you’ll have to face it tomorrow. The details may be terrifying and even hurt, but don’t burry it in the sand.
  • Quote 6. Organization doesn’t really accomplish anything.  Plans don’t accomplish anything either.  Theories of management don’t much matter. Endeavors succeed or fail because of the people involved.  Only by attracting the best people will you accomplish great deeds.” At the end of it all, you have to bet on people, not strategies or plans.  Value the people around you as the best asserts, not the PowerPoint slides and bulleted points.
  • Quote 7“Organization charts and fancy titles count for next to nothing.” It’s all about accomplishments or results to show. Titles don’t count much.
  • Quote 8“Fit no stereotypes.  Don’t chase the latest management fads. Employ the right tools and principles for the job, and don’t be rigid in your approach.   If you are not getting the results you need, change the approach.
  • Quote 9. “Perpetual optimism is a force multiplier.” Surround yourself with people who think the world will crash tomorrow and friends who never see any possibility.  That’s exactly how you will also think and you won’t accomplish anything
  • Quote 10. Never let your ego gets so close to your position that when your position goes, your ego goes with it.” Don’t see yourself as your title or position and don’t get too caught up in it.
  • Quote 11. “Great leaders are almost always great simplifiers, who can cut through argument, debate and doubt, to offer a solution everybody can understand.” As Tunde said, why not use electricity instead of megawatt if your people will understand electricity and not the other? A leader’s role is to communicate to get everybody on the same page.
  • Quote 12. “Have fun in your command.  Don’t always run at a breakneck pace.  Take leave when you’ve earned it: Spend time with your familiesThere is life after everything. Love to live. Do not shun your human side.  Enjoy every opportunity you get and value human relationships.
  • Quote 13. “The day soldiers stop bringing you their problems is the day you have stopped leading them. If people aren’t bringing their problems to you any longer, do not assume they do not have problems. It’s likely they have lost confidence in your ability to help them solve their problems.
  • Quote 14. “Don’t be buffaloed by experts and elites.  Experts often possess more data than judgment.  Elites can become so inbred that they produce hemophiliacs who bleed to death as soon as they are nicked by the real world. What appears to be the right theory does not always end up being the one that works in practice. Respect the opinion of others but at the end of it all, pay attention to your own instincts, and judgments.
  • Quote 15. You can’t just have slogans; you can’t just have catchy phrases. You have to have an agenda. Slogans and catchy phrases don’t produce the results. You need specific, measurable, achievable, time-based goals.
  • Bonus. “You don’t know what you can get away with until you try.”
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Making It Slowly but Surely

Success is a marathon, not a sprint. But many of today’s youth do not know this, or they know but not make it a maxim in running their life race. If we take things easy, and act as purposely and positively as we can, success will surely come our way.

There are rules for success, and one of them is: ‘Never rush’. If you look around you, you will discover that those who have made it to the top are not only those who inherit wealth, fame or name. Yes, wealth, fame, and popular name can open door of opportunities for some folks, but the lack of them, ab initio, does not lock such doors and windows of opportunities either.

If you want to make it in life, as we all make efforts to achieve greater potentials and accumulate better aspirations of life, the rule , ‘never rush’, applies. What do you want to make in life: intellectual progress or social mobility? The best and possibly easiest way to make it in life is to make it slowly but surely.

With this recommendation, I am not saying we should be lackadaisical about life, or that we should sleep off all the twenty-fours and expect miracles to come, what I am saying is that we should organise ourselves, and see our dreams come true one by one.

Remember the scriptural axiom that the battle is neither for the strong nor the race for the swift, but that time and chance happen to them all. In the year 2006, I gave a speech at the orientation event organised by the Student Leadership Development Programme, SLDP, at the University of Ibadan, Nigeria. The coordinator of that novel student programme, who read my modest citation on that day, is today the Chief Economic Adviser to the President of the Federal Republic of Nigeria. I am talking about

Prof (Mrs) Precious Kassey Garba, a woman of substance; respectful, respected, and respectable scholar and teacher.

Prof. Garba always told us to believe in ourselves, and that no matter how big a challenge could be, determination can melt it. At the event mentioned above, I spoke about why and how the youth can take their destiny in their own hands. I said  the youth should always plan their time and time their plan. I said the youth should always choose their friends and make library one of their friends. I reminded the youth about what Prof Adedoyin Soyibo used to tell us, that when you add value to yourself, the distance from your success is reduced by miles. We can make it slowly but surely. Nothing is worth-worrying or worth-rushing about in life.

The biggest god most people worship is money. Money is good but money is not god. How you get is more important. Remember Napoleon Hill, who wrote in Think and Grow Rich that ‘Quick riches are more dangerous than poverty’. What we need most of the time is organised planning, faith, hope, and action, and slowly but surely we shall make it.

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Freedom, Opportunity and Tolerance

Sitting at less than five metres from the former President of Ghana, John Kufuor, I listened to what turned out to be one of my favourite public lectures in my adult life. The venue was the Rhodes House in Oxford. President Kufuor was still in power then.


Three words summarised his incisive paper: freedom, opportunity and tolerance. He said in a university, individuals were free, they had opportunity to express their ideas, but these must be nurtured with tolerance if progress was to be made.


I have always held a similar view that we proceed to a higher level of consciousness only when we can tolerate other people’s views. This idea of tolerance, or what some social scientists would call ‘toleration’, does not mean jettisoning our independent opinions for those of other folks. What tolerance actually means is that we are broad-minded, open-minded, namely we reconcile our views with those of others.

Freedom to think, act, and make judgements about issues of life is never absolute. But, in one way or the other, we are all, more or less, free, in the highly globalised, opinionated and competitive world.


Opportunity is available, even though it is not always widespread. But if we dig deep, inside of us, we will see modicums and atoms of opportunity, inherent in all of us. What we need most to keep freedom and opportunity afloat is tolerance. We need to reconcile ourselves with others. We need to complain less, and act more. We need to do as Mahatma Ghandi of India did: be the change we wish to see in others. If we all seize opportunity that comes our way, and we cherish our freedom, and respect the freedom of others, within the context of a tolerant global society, the world, not only us, will be better for it.


Let’s go back to some intellectual basis of reconciliation of opposite views and epochal events. Remember Karl Marx, and remember Thomas Kuhn. Karl Marx (1818-1883) argued fervently, that historically, every society is not static, and that after primitive communism comes slavery, then feudalism, then capitalism, then socialism, then classless communism, which he believed will be the result of all former epochs.

What this means is that all historical stages of development are never perfect, and that remnants of them are carried over into a new beginning. For Thomas Kuhn (1922-1996), the writer of The Structure of Scientific Revolutions, there is always a Thesis, the reigning paradigm, which then gives away to an Anti-thesis, which in turn gives a way to a resultant outcome called the Synthesis. What this means is that no knowledge is absolute, and that no matter what we know of an issue, there will always be an additional knowledge about it.

This makes us remember the position expressed by the award-winning writer of Half of a Yellow Sun, Chimamanda Ngozi Adichie, who passionately spoke about ‘The Danger of a Single Story’ at TED Talks. Please see and hear her out on possibly ted.com or TalkAfrique.com, and you will get more insights of what she meant, and what I am actually talking about.


It is only a dialectic and eclectic approach to issue, or what Dr Nnamdi Azikiwe called the ‘harmony of opposites’ that can enrich our freedom as a people, increase our opportunities as a human race , and in turn, make tolerance a virtue we all can share, we all must share, and we all will share

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