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  1. Happy New Year, 2019!? Excited to begin a second year of No Buy. Products I will be starting with: Baylis & Harding bath and body gift set (two body washes and a lotion, jojoba, silk, and almond scent - one of my wonderful Christmas gifts. Gilchrist & Soames conditioning shampoo mini, another one of my beautiful Christmas gifts. Maybelline "The Falsies Push Up Drama" mascara from past Target Beauty Box. Yves Rocher Sensitive Vegetal mini face cream. I have five face cream minis left to use up. Financial goal: I am already two months ahead on my plan to pay off five credit cards in 2019. On my plan I want to make four extra payments on the fourth credit card by the end of June at the latest. After the four extra payments, it will be gone by the end of the year with just the minimum monthly payment. The first three credit cards are already set to be gone by the end of the year with the minimum payment. Credit card five will get six extra payments in the second half of the year to be paid off. I reread my diary from my January 2018 No Buy. I had such a wonderful month. I was using up all sorts of beautiful samples, and watched lots of films on Netflix. It was so nice to relax and not be preoccupied with shopping all the time. I made super fast progress on debt payments. I got Netflix again for a free month, so I am hoping to have a little rest, enjoy using my gorgeous products, and watch lots of films before my free month runs out and I cancel my Netflix. It would be good to keep getting ahead on my debt payment plan too. [I was doing seasonal No Buy goals in the second half of 2018, but the time periods were too long. Also when I was doing my empties, I had trouble remembering all of the details about the products I had been using a few months before. So I have decided to do monthly projects in 2019.]
  2. Ulta is launching a new credit card. The credit card is designed to increase the Ulta ultimate rewards program benefits. You can earn double points with the credit card and the ultimate rewards program. There will be two options, Ultimate Rewards Mastercard that can be used everywhere and Ultimate Rewards credit card that can only be used at Ulta. Thoughts about this new Ulta credit card program?

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