Instagram Is Causing You To Spend More Money In The Summer

Look, it’s no secret that FOMO is f*cking real, but did anyone know that one in four women spends more in the summer because of FOMO? I sure as f*ck didn’t, but a new report from MassMutual is saying just that. I deactivated my Instagram account back in January, and despite writing a self-congratulatory article about how it made me a better person, I did not stick to my guns. I reactivated my IG, and as much as I love revisiting my saved inventory of puppy videos, my FOMO is officially off the charts. I almost forgot what FOMO was because I couldn’t actually see my friends frolicking in the Hamptons without me because I was/am too poor to go. Now, it causes me physical pain to see my friends having fun as I sit in the discomfort of my un-air conditioned apartment, because I can actually see what I’m missing out on. 

FOMO has most definitely always been real, it just didn’t have a name (and an acronym) until recently. That said, “largely due to the rise of social media, FOMO has been amplified this past decade,” says Amanda Wallace, head of insurance operations with MassMutual. But because I refuse to let FOMO keep me from having a good time, I totally feed into it—especially in the summertime—and pour all of my hard-earned cash into the ridiculous weekend plans my friends hatch up. There goes literally all of my money! And I’m not the only one who falls victim to FOMO spending, especially this time of year. Wallace adds, “Summer vacations are in full effect, back to fall shopping kicks into gear, and it is sometimes hard to resist when you see what everyone else is doing on social media.” Preach.

In short, Instagram FOMO is making us spend money we don’t really have. Not to worry, though. Wallace has some tips, stats, and comments up her financial sleeve that can help us survive the last weeks of summer. Your wallet will thank you, even if your IG feed won’t.

How Is FOMO Hurting Our Bank Accounts?

Well, unfortunately for everyone who doesn’t live a Succession-worthy lifestyle, yes. Doing things with your friends is really expensive because we never want to just, like, hang out at someone’s apartment and talk (look at memes). No. We want to go to the restaurant where Beyoncé just ate and chase that experience with $15 cocktails that look amazing in pictures and match our outfits.

Wallace says, “FOMO is absolutely influenced by social media and seeing photos of others’ positive experiences (whether real or staged). However, have you considered the fact that you do not see the whole picture when you see that amazing photo on social media?” *takes deep, introspective breath* Yes, I’ve definitely considered that, but that doesn’t mean I don’t want to be a part of this completely fake, staged BS. However, because I’m considering filing for bankruptcy, I can’t really live this fake, staged lifestyle for much longer. 

How Can We Satisfy Our FOMO Without Spending Money?

“Retrospect is a gift for future considerations and experiences. Weigh your options, your budget, and be creative,” Wallace advises. Be sure to make thoughtful decisions and set some spending limits when it comes to FOMO-induced impulses,” Okay, she also has a good point. I’m currently thinking of that time I spent a casual $200 on dinner on a f*cking Tuesday, and the only thing I remember about it is how much money I spent. I honestly couldn’t even tell you who I went with. But Wallace is right in that retrospect is a gift. If I’m in a similar situation again, I can look back on my past $200 Tuesday experience and say hell f*cking no. A picture may be worth a thousand words, but it should not be worth a thousand dollars. 

If you want to keep hanging out with your friends but don’t want to keep dropping Benjamins, as Wallace says, you’ll have to get creative. Luckily, since this is the summertime, all you need for a good IG backdrop is natural lighting, which abounds in the summer. Don’t want to spend $20 on one rooftop cocktail? Corral your friends for a BYOB picnic in the park. Take some thirst traps on the beach. You get the point: the beauty of the warm weather is that standing outside is aesthetically pleasing and free!

Why Is Summer Such A Hard Time For FOMO-Sufferers?

Summer is the only time of year I am even remotely social, especially in New York. Being outside isn’t physically painful, I can walk everywhere, and I can show my legs without blinding people with my paleness. Summer is the time of year when people actually want to do things, but with that come more FOMO opportunities. All this makes me think that all Instagram is good for is horrible photo editing and making people jealous of your fun plans. That can’t be good for anyone’s general mental health, can it?

Spoiler: it’s not good for your mental health, but that’s not the only side effect. While studies have shown a direct connection between FOMO and mental health issues, one emerging way it’s impacting people is with their finances—especially during the summer.  Again, not surprising since summer is the one time people enjoy doing things outside their homes. Wallace says, “Our research found that this is especially prevalent during the summer months when we tend to prioritize more costly experiences like vacations and day trips rather than our financial goals, which can leave some feeling stressed and regretful.”

 Stressed and regretful is my natural state, so I can definitely relate to this sentiment, but for people who have a more positive approach to life, feeling negative sh*t like this is a downer. 

What Can We Do?

At the end of the day, FOMO sucks and no one likes it. It sucks feeling left out, but so does forking over money to partake in an activity you’re only doing #forthegram. It would be cool if we weren’t so affected by FOMO—both financially and emotionally—but we live in a society ruled by social media, so what can we do to not let FOMO ruin our lives? It’s actually pretty simple. Create a FOMO fund! That’s right. Wallace says, “To some, a FOMO fund is the new lingo for discretionary income or ‘fun money.’ As you use a FOMO fund, you need to make sure you are prioritizing alongside paying down debt and saving for emergencies, retirement or other life events.”

Basically this just comes down to budgeting. Don’t go into debt just to “keep up” with the people you see on Instagram. (It sounds obvious, and yet, people do it.) There’s got to be a balance. You can go to Mykonos, but maybe not this summer. I promise you that, as much as they make it look like it, these influencers did not just pack up one day and decide to go there for 12 days. They probably started planning and saving beforehand. And if you start a FOMO fund and quit blowing your money on every random Instagram opportunity, you can do it too.

Images: Giphy (4); Melissa Popanicic / Unsplash

How To Wear Makeup To The Beach Without Looking Extra

Life is hard when you want to go to the beach looking like a Victoria’s Secret model without having to do anything at all. This would require a change in diet (i.e. no late-night pasta and hourly weekly shots of vodka), which is something I’d like to say I want to do, but I don’t. It would mean putting on a ridiculous amount of makeup, where it would just become socially unacceptable to go to the beach at that point. No one wants to be that asshole who clearly is trying too hard to look good at a family beach. Everyone and their mother knows you look like a fucking idiot if you come to the beach with a fucking smokey eye. Like, please do so much less. Winged eyeliner says “I’m getting fucked up tonight,” not “I’m trying to get so tan that I start to look racially ambiguous”. A full contour is cool and all, but not worth getting an uneven tan over. You would think this is common sense, but apparently some people need a reminder. Ladies, it’s really times like these where the saying “less is more” is crucial to understand. If you want to pull off a convincing “I woke up like this” look with the most subtle makeup, here’s how:

1. Sheer Foundation

Obviously before you do anything with makeup, put some sunscreen on first. If you’re one of those lucky bitches who doesn’t have to wear foundation, don’t. If you must, though, use a powder-based or sheer foundation that enhances your natural glow. NARS Sheer Glow Foundation eliminates the appearance of dark spots, evens out your skin tone, and leaves a light, satin finish.

NARS Sheer Foundation

2. Beach-Inspired Contour Palette

Instead of having to find individual shades, Becca has done it right yet again. The limited edition Sunchaser Palette came just in time for summer 2017. The hues are inspired by a sun-kissed glow from a day at the beach. Lightly blush your cheeks to give the illusion that you may (or may not, no one has to know the truth) have burned your skin. Use a minimal amount of bronzer, but again, just a little. Remember, that’s the sun’s job. Finish off with a gorg shimmering highlighter to really step up your glow game.

Becca Sunchaser Palette

3. Neutral Eyeshadow

We aren’t going to use any purples, blacks, or hot pinks because this isn’t a night at the club. Too Faced Natural Eyes Neutral Eyeshadow Palette has all the colors you need to pull off an effortless natural look. Start with a light nude, applying a slightly darker brown towards the outer edges of your eyes, and finish with a light shimmer towards your inner eye. Using a light shimmer will make your eyes look brighter and bigger. Although the girl next to you will assume your eyes don’t naturally glitter, the hot guy you flirt with won’t notice a thing (because he doesn’t even know what eye shadow is). That’s all that really matters, right?

Too Faced Natural Eyes Neutral Eyeshadow Palette

4. Layers And Layers Of Mascara

Your not-so-natural-but-natural look means nothing if you don’t have the most volumizing waterproof mascara. Even if you’re slightly convinced you don’t have any lashes at all, the smallest ones are nothing the Lancôme Hypnôse Waterproof Mascara can’t fix. By like, the third coat (maybe four for good luck), your sultry lashes will be batting the lenses of your sunglasses in no time.

Lancome Hypnose Waterproof Mascara

5. Lip Gloss

Instead of a lipstick, go for a gloss to keep your lips looking full, shimmery, and hydrated. Pick a color that lies in-between a nude and pale pink. Soap and Glory’s Sexy Mother Pucker Lip Gloss comes in a bunch of natural-looking colors, so there’s bound to be several you’ll fall in love with. It’s also lip plumping so you’ll achieve that pouty look guys love without having to go full Kylie. 

Soap And Glory Sexy Mother Pucker

Read: The Sexiest One Pieces That’ll Still Hide Your Winter Weight

10 Summer Makeup Essentials You Need to Get ASAP So Your Face Doesn’t Melt Off

There’s something in the warmer air that makes it an acceptable excuse to drink more. But with sitting outside under the blazing sun, trying to look cute sipping a margarita, comes major beauty no-no’s. Looking pale and sweaty on Insta is obviously not an option so, you’re gonna need some makeup that doesn’t melt as quickly as your resolve to not text fuckboys once the first tequila shot hits. So I’ve rounded up your summer beauty essentials—buy this shit like, now and keep them on you at all times. You know, just in case you decide to take a faux candid.

Damn, you are so lucky you have me to guide you.

1. St. Tropez Self Tan Express Advanced Bronzing Mousse

If you constantly look like Casper the Ghost, have no fear. The best self-tanner is here. The Kardashians literally use their products so that’s when you know they’re actually fab. This award-winning bronzing mousse will be your new obsession. #SorryNotSorry. Depending on how deep you want your tan, wait an hour to shower for a “light sun-kissed” tan, or up to three hours for a dark bronze—no more than that or you’ll look like Tan Mon. To maintain it, moisturize and reapply when your little heart desires. If anyone asks, hell yeah you went to Punta Cana last week. Only you and I will know you just sat in your room developing this tan.

St Tropez Self Tan Express

2. Lancôme Bienfait UV SPF 50+ Super Fluid Facial Sunscreen

Before you put your face on, put this shit on first. This life-changing facial sunscreen feels so smooth it’s unreal. It leaves a matte finish so you can start your makeup with a clean slate. When you’re blacking out in 80 degree weather, this will protect your face from stupid UVA rays and from getting burnt AF. Word on the street is that it’s also water resistant so it’s really a win-win.

Lancome Bienfait UV SPF

3. Smashbox Spotlight Palette

This bomb highlighting palette comes in two different hues: Pearl or Gold. Each has three different shades to choose from, but no matter which one you choose, I guarantee your face will be just as lit as Kris Jenner was at her birthday party.

Kris Jenner

^Me the second 5:00pm hits. Oh yeah and here’s the palette:

Smashbox Spotlight Palette


4. Skindinavia Makeup Finishing Spray Bridal

When I’m outside for, like, more than five minutes, I feel like I sweat out of pores I never knew existed. I end up wasting not only an hour of my life, but I also waste a day’s worth of perfectly good makeup because sweat is a scum-sucking road whore and ruins lives. This setting spray was originally created for brides to keep them looking fresh for their big day as they sweat and ugly cry, but it’s really a must-have for anyone during the summer. Whether you’re going to a music festival or hitting a nightclub, you will still look ~flawless when you drunkenly look at yourself in the mirror.

Bridal Finishing Spray

5. Clean & Clear Oil Absorbing Sheets

While we’re on the topic of oily grossness, if you can’t get your hands on the setting spray, it doesn’t get any better than this. These oil absorbing sheets are Major Key to success, as the wise DJ Khaled would say. And they’re only, like, $5 and you can get them at Target so what’s not to like?

Clean & Clear Oil Absorbing Sheets

6. Supergoop! Fusion Lip Balm with SPF +30

I think this goes without saying, but then again, I always overestimate people. Lips can get real dry real quick, crack, and burn under the hot sun too. That shit is noticeable when you and your BFF are doing kissy faces on Snapchat, so be sure to rub this on beforehand.

Supergoop Lip Balm

7. Tarte Cosmetics LipSurgence Lip Tint

Things that aren’t cute: Licking your lips profusely, getting lipstick on your teeth, and looking like The Joker after a really intense makeout sesh.

The Joker

The solution? Lip tints: A combo of a stain and a gloss. They’re practically smudge-proof and melt-proof. They glide on smoothly, stay on for hours, and your lips feel so luscious you might start to think you could be the next Angelina Jolie. Your lip tints are cool, your lip tints are poppin’.

Tarte Cosmetics Lipsurgence Tint

8. Too Faced Shadow Insurance Eye Primer

I once asked a friend if she had accidentally cut her eyelids, because honestly that’s what it looked like at the time. She replied no, that it was just her eyeshadow so, the whole time I was like ?????. That is why I highly recommend this product and would rate it 10/10. Before you do a smokey eye, put this primer on your eyelids so it stays put and no one mistakes annoying creases for eyelid cuts.

TooFaced Eye Primer

9. Stila Cosmetics Stay All Day Waterproof Liquid Eye Liner

Nothing says “I’m A Fierce AF Betch Who Takes No One’s Shit” like the perfect winged eye. However, during humid weather, eye liner can be so done with your shit and decide to just drip off your face. I know, so rude. Stila’s waterproof liquid eye liner is here to save lives. One cat eye at a time.

Stila Stay All Day Eyeliner

10. L’Oréal Paris Voluminous Waterproof Mascara

May your vodka soda coffee be strong, your lashes be long, and Mondays be short. If there’s a mantra I really live by, it would probably be that. No one actually has the time (or the energy) to put on fake lashes when it’s too hot to function so, using this waterproof mascara is your best bet for sexual-looking lashes all summer long.

L'Oreal Voluminous Waterproof Mascara

Stop wasting your money on Sephora because these 8 drugstore beauty products are just as good. Find out here!