This year, makeup minimalism and makeup maximalism stop battling and come together
In 2021, makeup triumphantly rose from the ashes left from the coronavirus pandemic. Vaccinations were administered, masks were shed and we all hesitantly dipped our toes back into the makeup waters with tinted moisturisers, lightweight mascaras and clear brow gels. Next year will be a different story entirely. With things more normal than we’ve had them in the past couple of years, folks are flocking to makeup with texture, shine and bold colour in rebellion of makeup-free at-home life—our trend forecast for the year serves as proof of that.
We scoured all the newest products on the market, scrolled endlessly through social media and polled some of our favourite makeup artists to determine the biggest 2022 makeup trends. TL;DR: we’re all about to learn how to make a big impact with a small amount of effort.
Easy makeup looks never go out of style, and that’s why makeup artist Tommy Napoli insists that skinimalism isn’t going anywhere in 2022. “People’s priorities are different after COVID-19, at least for their everyday [makeup],” he explains. Not to mention that many are still searching for “an antithesis to layered and powder-heavy Instaglam makeup” after spending most of the 2010s wearing just that. Makeup artist Delina Medhin concurs: “I’m seeing that people are wearing less complexion [makeup] in general,” she says.
And thank heavens because we don’t think anyone wants to go back to blending their full-coverage foundations for 10 whole minutes every day. Instead, we’re happy to sacrifice some visible texture, discolouration and blemishes for products that are easier to apply and far more comfortable—like Cle Cosmetics’s CCC Cream or the Best of Beauty-winning Estée Lauder Double Wear Sheer Long-Wear Makeup.
We’ll be wearing less extreme highlighters, too, if makeup artist Lavonne’s predictions are correct (and they always are). While wet-looking dolphin skin has dominated trends in the past couple of years, what she describes as “luminous” finishes—not matte, not extremely dewy, but somewhere between—are about to take off. “Runway looks dictate makeup trends for the following year and the Spring season shows had elements of this,” she explains. (And she’s right—just take a look at the photo above from John Richmond’s Spring/Summer 2022 show at Milan Fashion Week.)
Pat McGrath’s Skin Fetish Highlighter & Balm Duo, Lavonne adds, is perfect for that lit-from-within kind of glow. Similarly, Ilia Beauty’s Liquid Light Serum Highlighter, provides a subtle shimmer that looks just like candlelight.
Keeping with the theme of natural makeup, folks are on the hunt now more than ever for complexion products that have some kind of skin benefit to them, such as UV protection, hydration or oil control. Because of that, the market is flooded with multitasking base makeup—or as Napoli puts it, “any product that colour-corrects the look and benefits the health of the skin.”
He offers up MdSolarSciences Mineral BB Cream as an example. “It’s a full-spectrum sunscreen that doubles as a primer and offers a slight tint,” he explains. “It blurs, especially on camera, and has been a go-to for me and my clients.” Medhin, on the other hand, loves Ami Cole’s Skin Enhancing Tint “for lightweight coverage that still lets your skin look like skin.” Its formula contains barrier-balancing glycerin, moisturising pumpkin seed extract and stabilising magnesium.
Throwback lip looks
“It’s 2022” might feel insanely futuristic to say, but as far as lipstick goes, we’ll actually be traveling to the past this year—specifically, the 1990s. “Lip liner is here to stay,” Medhin exclaims. “I think defined lips will be a big trend.” The then-popular deep lip liner/light lipstick combination was already making the rounds in 2021 and its renaissance is far from over. One of Medhin’s favourite products for recreating the look is Charlotte Tilbury’s Lip Cheat Lip Liner in Pillow Talk (a classic, if you ask us). Lip glosses and other slick lipstick formulas will continue to be favoured over matte lipsticks, too, Lavonne adds.
On that note, the glossy, rich, brown lipsticks worn by every supermodel of the ’90s will experience a comeback in 2022 as well. For example, Clinique’s Almost Lipstick in Black Honey—a shade launched in the 1970s that was revamped and popularised in 1989—has been selling out non-stop, thanks to a resurgence on TikTok.
New shades have been cropping up with similar red-brown colour hybrids, like Glossier’s Ultralip in Ember or Ogee Sculpted Lip Oil in Viola, which Napoli says he’s been using as a Black Honey alternative. What is it that draws people to these sheer throwback shades? “They fall right in line with the skinimalist look because they’re a could-be-or-couldn’t-be kind of lipstick look,” he explains.
The Euphoria effect lives on: both Lavonne and Napoli namedrop high-impact eye makeup looks—whether colourful, sparkly or graphic—as a big trend to look out for in the coming year. Like Lavonne established earlier, beauty trends tend to start on fashion runways before tricking down to the press, celebrities and influencers and bold eye makeup was littered all over Spring/Summer 2022 runways during various Fashion Weeks held recently. For example: Alexandra Moura (shown above), Rodarte and Weinsanto.
Not being on TikTok is 2022’s equivalent of living under a rock, so you haven’t been privy to TikTok trends like purple blush… well, that’s on you. Cream and powder formulas in shades of plum, violet and lavender have been making the rounds across the app for their quirky vibe and universally flattering effect. (Fenty Beauty Cheeks Out Freestyle Cream Blush in Drama Cla$$ and Rare Beauty Soft Pinch Liquid Blush in Matte Deep Berry are just a couple that made the app’s users sing their praises in late 2021.) We would go so far as to say that purple is the new pink in general—if you start seeing similar eye shadows, lipsticks or even hair colours cropping up all 2022 long, we won’t be the least bit surprised.
This year has had its fair share of interesting eyebrow trends—bleached brows, eyebrow slits, colour blocked brows—but the one with the most staying power is, undoubtedly, disco brows, a TikTok-viral trend popularised by Megs Cahill, pictured above. As you can guess, disco brows are basically just soap brows with a little bit of pigment mixed in. They’re so popular that beauty brands like Halsey’s About-Face have created products dedicated entirely to them(Fractal Glitter Brow Gel), breathing new life to the trend for 2022.
No surprise, seeing as Napoli predicts that we’ll be looking to amp up texture in general throughout the year. “Shine has had a big moment this decade and now we’re looking to bigger, more festive, confident textures,” he explains. Colourful disco brows are a prime example of that.
Everything’s easier to use when it comes in stick format—deodorant, face masks, sunscreen—and the same absolutely goes for makeup. Looking for the quickest makeup ideas possible, consumers are fleeing to foundations, blushes, highlighters and any other stick makeup, Napoli observes. “Stick blush, in particular, is going to be big this coming year,” he elaborates. “Pixi by Petra’s latest cream blush, On the Glow, comes in three fresh shades in a twist-up stick form for the makeup novice or more casual makeup wearers.” We’re also fond of Colorescience Sunforgettable Total Protection Color Balm, yet another skin-protective multitasker with SPF 50.
Similarly, Undone’s Beauty Water Bronzer recently went viral on TikTok for its sheer finish and convenient stick format. Some other new stick-format favourites of ours include Byredo’s Colour Stick and CoverGirl Clean Fresh Cooling Glow Stick.
Wherever your makeup tastes lie on the low-key to high-key spectrum, being trendy is totally within your reach in 2022. For those about to roll out of bed, slap on some tinted moisturiser and call it a day—and also for those about to spend 30 minutes perfecting their graphic eyeliner—we salute you.
Offering certainty to an uncertain PRS
By Paul Foy, CEO, RentGuarantor
The UK private rental sector is facing growing uncertainty. The number of landlords offering properties had already dropped considerably when the government imposed the Tenant Fees Act in 2019, and now, following the pandemic and amidst the current cost-of-living crisis, we are on the verge of a rental crisis – with the average lettings agent having just 11 properties available to rent in July per member branch, and 127 new prospective tenants on average being added to the books.
With the number of properties available already limited, and the recent government whitepaper, ‘A Fairer Private Rental Sector’, proposing drastic changes that are expected to drive more landlords out of the market, tenants looking to move need to make sure they are in a position to make an offer quickly, or else risk losing out on their dream home. This includes having enough money to pay the deposit, and in most instances providing a guarantor, which is easier said than done in the current financial crisis.
For landlords, the need for a guarantor is becoming ever greater with so many facing financial insecurity. As rising energy bills and higher costs of living continue to put strain on the British public, 400,000 households are already expected to fall behind on their rent payments, meaning landlords need to find a way of ensuring they can still receive rent payments – so as to cover their own costs and income. The issue, however, is that the crisis is affecting us all, and a friend or family member acting as a guarantor may well find themselves in a position where they are unable to pay the rent themselves.
Evictions aren’t beneficial for either party and, despite how they can sometimes be presented in the media, most landlords care about the wellbeing of those renting their properties. But with rent arrears being a top concern for landlords, and 78% of tenants being worried about how they will pay rent, there is a clear need for additional support to be extended to all within the private rental sector.
Extra security for landlords
The last few years have seen landlords subjected to a great deal of uncertainty around their rental properties. Changing laws, the pandemic and the current cost-of-living crisis have all come together to spur an increase in due diligence when looking at prospective tenants and the security of the tenancy. This has in turn led to an increased demand for tenants to have a guarantor, rising by 36% over the past 4 years.
As financial pressure mounts for many in the country, that need for a guarantor is only expected to rise, but with the increased living costs hitting the majority of people it can dampen the stability granted by a personal guarantor.
Instead, many landlords are recommending tenants use a company guarantor, offering them a guarantee that is underwritten by an insurance company, and providing an additional level of security to both the landlord and tenant. On top of this a professional guarantor service grants the landlord with the peace of mind that any situation arising from a tenant falling into arrears would be managed on their behalf – including eviction in the rare circumstances where it should come to that.
Additional support for tenants
As well as the benefits afforded to landlords, rent guarantor services also provide a much-needed lifeline for prospective tenants. With the private rental sector currently facing a major housing shortage, having the right provisions in place when making an offer could be the difference between securing or losing that dream home.
The service provided by a rent guarantor company means tenants can quickly provide a guarantor when needed, without having to negotiate any awkward or uncomfortable conversions with friends or family members, and can often have a completed application within minutes – only paying once the contract has been signed.
Additionally, the majority of these services offer the option to pay in instalments, taking away the pressure of paying a lump sum up front – which can be a daunting prospect in today’s financial climate. This can, through some companies, include an upfront deposit payment that can be added to the instalments, further reducing the cost burden tenants face and helping to streamline the moving process.
A necessary service in an uncertain sector
While relatively new to the UK, rent guarantor companies provide an important service, which guarantees landlords will receive their payments. In turn, this takes away the financial pressure and concerns of the tenant by granting them a reliable guarantor that will back them if they’re unable to afford rent. With many of these services underwritten by some of the UK’s largest insurance firms, they can provide an invaluable level of security during these difficult times.
While the future of the PRS is still uncertain, and there are likely to be many more hurdles to overcome in the near future, the services provided by rent guarantor companies can at least provide some respite during the current crisis we are facing – offering the extra support needed by both tenant and landlord.
How to prioritise your customers’ mental health by sharing vulnerability data
Source: Finance Derivative
Author: Tim Farmer, Co-founder and Clinical Director at Comentis
The Consumer Duty and its ramifications are certainly starting to permeate through the financial services sector as a whole. That being said, we still have a long way to go and for financial advisers to make truly informed decisions on the important topic of customer vulnerability, all parties involved in the distribution chain will need to work much more closely together.
Collaboration is key.
If all parties in the distribution chain start to share their vulnerability data more intelligently, and take a more joined-up approach, they will begin to offer a considerably improved customer experience. But most importantly, they will help to ensure that their customer feels truly safe when sharing their story. After all, having to go through the emotional turmoil of sharing their experiences again and again – to multiple different providers – is only going to cause the customer greater anxiety. In some cases, it may even lead to them feeling unsafe to share their story.
I believe safely sharing customer data around vulnerability can actually ease a customer’s anxiety, reduce their stress and help to engender long-term trust between customer and adviser. I would even go so far as to say that a lack of joined up thinking can, unfortunately, allow some incredibly vulnerable people to slip through the net. Ultimately, failing to share data that is this important will only be to the detriment of the individual.
Vulnerability assessments can vary.
When we look at a customer / adviser relationship, we will of course note that who the customer is speaking to and where that conversation takes place will affect the way they feel. For instance, they might open up during a vulnerability assessment because they feel like they’re in a safe space, but then may not in further vulnerability assessments because they don’t feel safe or simply don’t trust one of the other providers they’re engaging with.
Alternatively, the customer might believe that because they have already laid their vulnerabilities out to one provider, they shouldn’t need to do so again to someone else. After all, they might (understandably) assume that all salient information would be passed over.
The other concerning possibility is that when a person tells a difficult story again and again, they forget who they have told which detail to and leave certain elements out the next time they tell it, merely because that information has already been shared at another stage. You can begin to see, without a fully joined up approach, how much potential exists for important information to be dropped.
Why we need an industry standard.
So, what can be done? And upon whose shoulders should responsibility rest, to ensure that key details about a customer’s vulnerabilities aren’t missed?
What we need is an industry standard of information sharing, that works across all product providers. This not only needs joined up thinking, but smart ways of working from a technology point of view. Providers should be using the same platform for inputting key information, and indeed, for intelligently digesting the vulnerability data that comes out.
It’s here that I believe a triage system would really benefit the financial services industry. Creating a triage system, much like you would experience when a patient physically attends an Accident and Emergency room at hospital, would allow all the right information to be gathered upfront and then shared safely and correctly down the distribution chain. This would ensure that the customer avoids needless repetition, continues to feel safe sharing their story in a different setting and won’t have to worry about missing out a key detail. It will also take the emphasis off the customer, who is going to be feeling very raw and exposed and puts it back onto the providers. After all, this is their responsibility.
Put the customer at the heart of all decisions.
The key here is transparency, detailed disclosure and ensuring all providers adhere to the same technology and ways of working. A practical and pragmatic guide or industry standard recognised by all would of course be very beneficial too. Until then however, a collaborative solution by all providers must be agreed – and it must prioritise the customer.
KICKSTART YOUR SAVINGS WITH THESE TIPS
Source: Finance Derivative
By Shelley van der Westhuizen, financial well-being strategy & applied research at Alexforbes
We often hear people talking about short-term, medium-term or long-term savings. But as an individual or family, it may be more useful to think about what your savings are for, like saving for a home, or a holiday, rather than time-based goals. This approach also helps you work out how much you need to invest for each goal you’re saving for.
Financial Planning Month in October reminds us of the need to have financial goals and to work towards achieving them over time. While many of us are battling to afford our expenses, it can seem quite daunting to also think about saving. The first challenge is making it through the month spending less than you earn.
Your three most important savings questions
To get started, there are three questions that help you work out how much to save regularly:
- What do I want or need to save for? This is the goal.
- How much does it cost?
- How much time do I have until I need the money? For example, you might work out that you need R100 000 for your child’s studies when they finish school, seven years from now.
Considering your various goals and different time periods, which financial products to use and factoring in your expected investment returns, you may begin to feel overwhelmed. This is where a qualified financial adviser can help with a suitable financial plan that you can put into action.
Some savings come first
While we can work on saving for different goals at the same time, we also need to prioritise and manage debt. If you’re worrying about your debt or spending most of your money on debt repayments or have some overdue accounts, it’s time to get help. In the Alexforbes financial courage survey, over 80% of respondents said that they spent most of their time worrying while dealing with their finances. Almost 75% of people attribute their financial stress to debt worries. This means that money worries caused by being over-indebted often interfere with work and quality of life.
The value of protection
One of the ways to avoid becoming over-indebted is to prioritise emergency savings. Having emergency savings is an important part of achieving financial goals because, even if you’re not over-indebted, it means that any other savings you have can be used for their intended purpose.
Once you’ve considered your expenses, including your debt, and have built up your emergency savings buffer against unexpected things going wrong, it’s time to consider your other savings goals.
One of your financial goals is to have enough to live on one day when you can’t work any longer. When Alexforbes asked people if they knew how much of their salary they needed to save to have enough to live on when they got older, 94% didn’t know. Most people would be surprised to find out that they need to save around 17% of their income for 40 years, and always keep their retirement savings invested. In this way, they can enjoy a pension that is about three-quarters of the salary they were earning just before they stop working. How much you need to save for retirement and other goals is a very important personal question that needs an answer and depends on your circumstances.
By the beginning of 2021 the number of people contributing regularly to their own savings had fallen by 28%. Moreover, the average savings amount of those still contributing regularly had decreased by 23%according to Deloitte, The State of the South African Consumer Tracker. If you’re struggling to make good progress towards your financial goals now, you’re not alone. It may be a good idea to invest your energy in what you can manage while times are tough like reducing your spending wherever possible or growing your skills.
End financial anxiety
According to The State of the South African Consumer, our consumers are the fourth most financially anxious in the world. Over 33% of consumers spend more than they can afford.Combined with taking more control of our finances by following some of these suggestions, spending less on nice-to-have items may be a good way to reduce any financial anxiety you might have and have more financial success ahead.
Knowing how much you’ll need is a first step towards knowing how much to save each month. There are some fun tools to help you discover this information for yourself, like the Alexforbes My Retirement Picture(https://retirements.digital.alexanderforbes.co.za/), that’s available to everyone.