 So you just want to make sure that whenever you're spending on a beauty product or service, it fits into that 30% of your take-home pay that you are also allotting to things like going out to eat and other luxuries, other things that aren't essential. And so you just want to think about that big picture of your budget. That's this morning's Nicole Murray with personal finance expert Kimberly Palmer at NerdWallet. Coming up next, the best way to avoid scams.