Best Ways To Improve Acne Scarring & Your Credit Score

Best Ways To Improve Acne Scarring & Your Credit Score

Self-care for your skin is pretty much the same as self-care for your finances. Hear me out. First, you need to learn where to start and what not to do. Second, you need to stay consistent with these new habits over time. Big changes happen when you make better decisions in small ways every day. 

Healing acne scarring is a lot like improving your credit score. Oftentimes, you don’t know where to start, who to trust, or what got you here in the first place. It can be overwhelming, and there’s definitely a lot of unnecessary negative self-talk happening. I’m here to tell you that with a little guidance and discipline, you’ll be well on your way to improving angry acne scars and your credit score (which no one seems to talk about ever). 

Say Bye To Over Cleansing & Check Your Credit Score

To kick off our journey on improving the skin we’re in and our financial worlds, let it be said that there are no quick fixes. If you have acne scarring, and you’ve been known to find cleansers with harsh, alcohol-based ingredients because you feel like you’re doing something (it burns, so that’s good right?!), you’re not doing yourself any favors! 

Harsh chemicals take a toll on your already sensitive skin, and overwashing can inflame the acne scarring even more. Rosen’s Super Smoothie Cleanser treats acne with a list of short and recognizable ingredients that don’t irritate active breakouts and help to reduce hyperpigmentation. Strawberry powder gives your face a boost of Vitamin C, lemon powder fades scars, and raspberry powder can control oil levels for a smooth and brighter vibe. Here’s the deal though, you need to be consistent! You’re not going to see results if you use this cleanser 2x a week and call it good. Wash your face using Rosen Super Smoothie Cleanser in the morning and evenings 7 days a week using cold water.

Rosen_Social_Super Smoothie

Y’all know that ignorance is bliss quote is satirical, right? To improve your credit score, you need to know where you stand. Sometimes ignoring something feels better than addressing it if you don’t know where to start, but ignoring your credit score does more harm than good. Once a year, you’re able to get a copy of your credit report complete with your magic number at freecreditreport.com. Go do that now, cutie. 

Myth Busting Rough Exfoliants & Minimum Payments

You’re a see it to believe it type of person. I get it. We all are to a certain extent, but if you have acne-prone skin exfoliating face scrubs with large particles are not ideal for you, boo. Yes, it feels like you’re doing something (hello, immediate gratification, old pal). However, what you’re really doing is roughing up your already roughed up skin and possibly causing micro-tears that will likely exacerbate your acne scarring. 

Opt for an acid exfoliant to remove dead skin cells, unclog pores, and promote new cell growth without irritating your sensi skin. Freck’s Cactus Water Lactic Acid Toner is filled with plant extracts that cleanse and refine texture on your face, neck, and chest. Lactic acid is the sensitive, acne-prone skin hero that works to slough away old skin and eliminate discoloration. This formula also has Kelp Extract in it to calm the skin and fight off discoloration from acne scarring. All you have to do is, use a cotton round to soak up some of this sexy, minimalist-packaged formula then rub it across your face to make sure your skin is squeaky clean. Don’t forget to get those easy-to-overlook places like the crevice of your nostrils, under your ear lobes and your neck. No need to wash off. Just move onto your next step.

Freck Cactus Water

Now let’s talk about credit card companies. If you didn’t know, credit cards make their money off of interest tacked on to the amount you owe them. So if you’re using credit cards for purchases you don’t have the cash to pay for and paying only the minimum monthly balance, you are costing yourself a lot of unnecessary cash money for years to come. 

Credit cards are a great tool for building and improving your credit if you don’t abuse them. Paying off your credit card every month will do wonders for your credit but will also save you hundreds if not thousands of dollars in the long run. That means only using your credit card for purchases you can afford, not purchases you think you need (there’s a Jacquemus dress calling my name on The RealReal that I could easily convince myself I need but my budget would argue otherwise). 

If you aren’t in a place where you can pay off your credit card in full right now, don’t trip. What you can do today is start paying as much as you can afford towards your debt to reduce the amount you owe (more than the minimum monthly payment ideally), decrease the amount of interest you’ll have to pay in the long run and lower your debt-to-income ratio. Paying interest is not in your best interest when it comes to credit cards, cutie. 

Playing Offense

Acne scarring sucks as it is, but overexposure to the sun can cause hyperpigmentation and darken your scars. Not only is sun protection incredibly important to preserve your skin and prevent skin cancer, but it also helps to ward off sun damage that makes healing your acne scars even harder. 

Wear sunscreen every damn day, even if it’s cloudy. I know this isn’t the first time you’ve heard this, but I really hope this is the time it sticks. Not to get all sport on y’all, but defending your skin from the sun is an offensive tactic that allows your skin to heal. Black Girl Sunscreen is an everyday use sunscreen that helps prevent sun damage. This formula is packed with natural ingredients and has a residue-less finish that has the bonus of being able to use as your moisturizer too. Formulated specifically for melanated skin, Black Girl Sunscreen doesn’t leave a white cast and is perfect for all skin tones. 

 

Black Girl Sunscreen Collage

Now it’s time to play offense for your credit score. If you’re still building credit or if your current score is less than ideal and you can’t qualify for a credit card, you can get a secured credit card to help build your credit. A secured card is essentially a credit card you pay for the privilege to have. You pay a deposit that is typically equal to the credit limit on the card. What this allows you to do is make purchases on a credit card and pay it off ideally in full and definitely on time every month to build your credit history. If you do need to get a secured credit card to build or improve your credit score, do not use more than ⅓ of the total available credit and only use what you can pay off in full every single month. I’m serious. 

I want us all to be confident about the skin we’re in and our financial worlds. Don’t worry if you’re credit score or your skin has room for improvement, that’s life. We’re all in this together, and you’re in the driver’s seat of your life. A little discipline goes a long way, I don’t care if it’s wearing sunscreen every day or only buying what you can afford. Either way — you got this.

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