Tag Archives: smart shopping

Building a professional wardrobe on a budget

My exciting new teaching job starts in January (yay!). There’s a business-casual dress code, and unfortunately, all of the clothing I wore in my previous life as a professional was also worn in my previous life as a thinner woman who never had a baby (not yay). That means I’m in the market for an entire wardrobe of business-casual clothing.

I’ve never been that into clothing. I wear it to keep decent and warm, and I prefer to buy clothing that looks and feels good, but I don’t have a huge wardrobe. I like to keep a limited wardrobe with basic pieces that can be mixed, matched, and worn for years. I still wear clothes that I bought in college over 5 years ago.

Because I can think of a lot of things I’d rather spend money on than clothes, I’m trying to get creative about building this wardrobe. If you’re looking to build or refresh your wardrobe, here are some tips.

Lose the weight.

This was my first plan a year ago after Judah was born. I have several nice pairs of pants that are about a size too small. I even have a few pieces that are TWO sizes too small from my really skinny newlywed phase (it was short but fabulous). If I could shed the final 20 pounds I gained during pregnancy, I would double my professional attire wardrobe. Sadly, the chances of me losing that much weight in the next three weeks in the middle of the holiday season are slim (no pun intended). So it’s on to plan B.

Assess what you already have.

Many of the sweaters, blouses, and tops I have from before pregnancy still fit reasonably well. I also have a lot of pieces that I wear in casual settings, but they can easily be dressed up with nice slacks or a cardigan. Thanks to those pieces, I’m really only in the market for pants and maybe a few new pieces for layering.

Check the thrift stores.

Because of the nature of dressy clothing (many people own slacks or blouses that they only wear a couple times a year), it’s possible to find really nice dress clothes in excellent condition for unbelievably low prices at thrift stores. I’ve never had much luck with clothing at thrift stores, but I’ll definitely give it a shot.

Never pay retail.

When you see a really flattering top or pair of pants at full price, it can be tempting to buy it if really like it. Don’t do it! I worked in retail, and I can tell you, the turnover for stock at clothing stores is incredibly fast. What’s new and full price today will be marked down to clearance in a matter of weeks. Wait it out and keep a close eye on certain styles. Come the end of the season, that full-price item will be marked down at a fraction of the price. Even if your size is sold out in store, you can usually shop online for more sizes and colors.

Buy basic pieces that can be mixed and matched.

It’s not the most exciting way to build a wardrobe, but it keeps costs down and simplifies things tremendously. Most of my clothing is in dark colors that coordinate (black, grey, dark blue, brown). Every top I own can be worn with either black or khaki pants, which makes it easy to shop for new pieces that coordinate well with pieces I already have. Choose a color palette that suits you, and then look for clothing that will easily coordinate in several different configurations.

What tips do you have for building a professional wardrobe without spending a fortune?

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Why I politely declined the invitation to your candle/purse/kitchen/jewelry party

Everyone likes to be invited to a party. I love parties! I don’t even mind if the hostess asks me to bring a dish. If I’m being welcomed to her home to enjoy the festivities, it’s the least I can do. And if it’s a shower, I love to bring baby or bridal gifts for people I love.

Unfortunately, the invitations I usually receive aren’t for parties. They’re for sales ambushes from trusted friends. “Come to my candle party!” is really code for, “Come to my house, eat some appetizers, and buy some overpriced crap out of my catalog so I can get free stuff or money.”

Maybe I’m being a curmudgeon here. It certainly wouldn’t be the first time. The thing is, I don’t want to feel pressured to buy stuff I don’t need, especially when it’s typically so overpriced. Not to mention, it sort of makes me feel bad to know that I’m not being invited to a party simply because the hostess enjoys the pleasure of my company, but because I’m another person who may buy stuff from her.

When I choose to buy something, it’s because I need and/or want it, and I can afford it. I don’t want to feel guilted into buying things because my friend has provided appetizers or drinks, or because I feel responsible for supplementing her income. That’s not how business works. Good business is based on the exchange of money for worthwhile goods or services — not guilt because your friend is trying to start her “home business” if only her 20 closest friends would spend $200 each on the junk she’s selling.

I don’t like when sales people ambush me. I don’t like when they call me, I don’t like when they approach me in the mall, and I don’t like when they knock on my door. The last thing I want is to be solicited by a friend at a party.

If you want to build a business selling products, I don’t begrudge you that. By all means, let your friends know that you have those products available, and the ones who are interested in buying can come to you. But please don’t solicit sales from me under the guise of a get together. I’m too cheap to buy any of your overpriced stuff anyway.

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How to avoid money drain

Recreational shopping has always been one of my biggest money drains. I can turn a quick stop at Target for a necessary item into a $40 splurge more easily than I want to admit. It’s a problem that I acknowledge, and I’ve been working to correct it.

We have a lot of things on the “to-do” list for our house – new furniture, a garage door opener, an epic garden, a riding lawnmower, and decorating to name just a few. All of these things are going to cost money. Since our mortgage payment is a bit higher than our rent used to be, our budget is a little tighter these days. Not to mention, I always promised myself that once we bought a house I’d finally buckle down and divert more money toward our student loan debt, so that’s definitely on my mind.

The point is, I certainly can’t afford to walk into Target or sign into Amazon and drop $40-$50 on crap I don’t need. When it comes to money drain, prevention is key. The trick is to avoid your triggers. Here are my main money drains, and how I combat them.

Marketing emails.

Signing up for email updates from your favorite stores and websites can help save money, because it will alert you of sales. It can also be a major money drain. If I receive an email about a big sale, I’m always tempted to buy something because “it’s such a great deal!” – even if I don’t really need anything. If you’re on a tight budget and unnecessary spending is an issue, unsubscribe to all of those emails. If an occasion rises that requires you to buy something, be purposeful about your shopping and seek out sales or coupon codes.

Daily deal alerts.

Daily deal sites like Groupon and Living Social are incredibly popular on frugal blogs right now. It’s true that they can save you a ton of money, but again, you’re not saving if you’re spending money on things you don’t need. If you’re struggling with self control, it may be time to unsubscribe and tune out the “daily deals.”

Recreational shopping.

This is a tough one for me, because browsing is one of my favorite frugal ways to get out of the house in extreme hot weather. I take a walk around a store or mall to enjoy being out and around without sweltering in the heat and humidity. Unfortunately, it usually leads to buying things – or seeing things that I want to buy, which just makes me feel deprived when I have the will power to refuse. I’m still looking for an alternative to this activity when the weather is too hot to get outside. Any suggestions?

The drugstore game.

I’ve amassed quite a stockpile of toiletries and hygiene items thanks to the “drugstore game” – matching coupons with weekly deals at CVS and Walgreens. I’m guilty of buying things I don’t need just to get a deal. Even if it’s a great price, any money you spend to buy things you don’t need is a waste, especially if you’re acquiring more items than you can reasonably use. Remind yourself that there will be deals in the future, and you can stock up again when your supply runs low. Use that money to pad your savings or pay off debt instead.

Plan a menu – and skip boring recipes.

If dining out is a big spending trigger for you, it’s time to get organized and get excited about eating at home. The two biggest reasons people spend unnecessary money on dining out is poor planning and lack of excitement about meals at home. If you frequently head to a restaurant or drive thru because there’s nothing else to eat, try creating a menu plan at the beginning of the week and hanging it on the refrigerator to remind you of what’s for dinner each night. If you plan meals, and still find yourself heading out to eat because tonight’s dinner doesn’t sound appealing, it’s time to shake things up. Try new recipes, recreate your favorite restaurant meals, or add new flavors to old foods. My favorite recipe sites are AllRecipes, Real Simple, and Food Network.

Make your favorite treats at home.

I’ve made no secret about my terrible little Starbucks habit. But when I realized my weekly fancy coffee allowance was turning into a two or three times a week habit, I decided to find another way to indulge. I make iced coffee and smoothies at home now for a fraction of the cost. If there’s an expensive treat you indulge in, find a way to satisfy your cravings at home for less money. Alcoholic drinks are usually way overpriced in restaurants and bars. Mix your own cocktails at home or buy a case of beer or bottle of wine and invite friends to your place instead of going out.

Get organized.

One thing I absolutely cannot stand: losing money due to poor organization. Even if it’s just a 25 cent overdue fine at the library, it is such a waste, because I get no value out of the money. I’m paying for a stupid mistake. Overdraft fees (which do still exist in some situations), late charges for bills, overdue library fines, and expensive repair bills for things that could have been avoided with better care and maintenance all fall into this category. Create a system for reminding yourself of due dates and service appointments for the car and home. Keep a close eye on bank accounts and statements to avoid charges. Keep your emergency fund healthy so you can afford to make repairs before small problems become expensive emergencies. Every penny you avoid losing is a penny in your pocket.

What are your biggest money drains? And how do you avoid them?

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Buyer beware if it’s too good to be true

So you know those Kindle gadgets? Tony’s been talking about getting one for a while. He’s an English professor, so he’s usually got a stack of about 10 books on his bedside table that he’s actively reading. Many of the books he reads are classics that have now entered public domain, which means they’re available for free as e-books. A Kindle makes them nice and portable. Plus, you know, fun toy!

We never updated our tax withholdings for the baby, so we received a sizable refund this year. Most of it is going right into the bank to replenish our emergency fund. But we decided to splurge on a little something, and $140 seemed like a reasonable splurge, especially since our income increased with Tony’s new job.

We put a lot of research into e-readers in general. We considered the Nook, the Kindle, and the Sony. Ultimately, we were pretty sold on the Kindle for a wide array of reasons that I’m not going to get into.

We’d made up our minds, but Tony was only slightly hesitant because he’s convinced that the Kindle will drop below $100 in the next year or so. He’s been saying all along that once the price is $99, he wants to buy one.

So imagine our excitement when we stopped to look at the Kindle display in Target last night and OMG! There was one marked down to $99! It was labeled as “repackaged.”

We were wary at first, so we asked the associate. Was it damaged? He said nope, it had just been opened and returned, and the only thing wrong with it was the torn packaging. Did the same return policy apply to repackaged items just in case there was something wrong? Yep, 90 days with a receipt.

Still a little wary, we headed to the customer service desk just to be sure. A second associate assured us that the only problem with “repackaged” items was that the packaging had been opened, and that we’d be able to return it no problem.

We were obviously pumped. It seemed like fate! Tony wanted to pay $99 for a Kindle, and we’d found a $99 Kindle! We were sold.

After we bought it, we rushed out to the car to open our new toy and take a look. It looked perfect! No scratches, no defects!

Then I realized there was something conspicuously missing … the power adapter and USB cord. I checked inside the box, under the packaging, everywhere. No power adapter or cord. Crap.

Thankfully, we’d covered our bases. Tony went right back into the store and returned it. The customer service rep’s weak sauce excuse? “We take our customers’ word for it when they return an item, and we assume all parts are included.”

Um, what? So someone returned the item opened, and nobody bothered to crack open the box to be sure that all the parts were there before slapping a discount sticker on it and sticking it back on the shelf? Granted, there was a deep discount, but still! If parts were missing, I think it should be clearly labeled on the box so customers know what they’re purchasing. Furthermore, if the store’s policy is not to check returned items, then customer service reps should warn wary customers that the item is “as is,” and it may be missing integral parts. They should not assure customers that the item is perfectly fine except for some torn packaging. What the heck?

If I had gone back to return it, I would have spoken to a manager to complain. Perhaps I could have gotten a gift card or something for our trouble. Unfortunately, I had to send Tony in because Judah had started to fuss in his car seat, and I didn’t want to leave Tony in the car while he screamed his head off. I can typically keep him calm, so I stayed behind. Tony settled for a full refund.

Eh well. The moral of the story is an old one that you’ve certainly heard before: if it seems too good to be true, it probably is. If we hadn’t been told the item was returnable, we most definitely would have asked to open it in the store before purchasing to make sure it was functional and all the parts were there. As it turned out, we didn’t get the deal we were hoping for, but no harm was done.

What a bummer, though, right?

This post is not sponsored by Kindle or Amazon. However, the link to the Kindle is an Amazon affiliate link.

How much is laziness costing you?

I’ve mentioned before that Tony and I use a credit card to purchase all of our gas. We pay the bill off every month before it accrues any interest, and we get 5% cash back on all fuel purchases. Since we’re not paying interest, the 5% cash back is basically free money, and keeping an active credit line is important for building and maintaining a good credit score. It’s win-win.

The credit card is through BP, and we only get 5% cash back on BP purchases, so 99% of the time we buy gas at BP. We only buy at another gas station if the cost per gallon is less than we pay per gallon with the 5% discount. Makes sense, right?

At the beginning of December, we started seeing signs at BP gas stations for a new rewards program. Fill up five times, and you receive a $10 gift card. Since we fill up at BP 99% of the time, it should have been a no brainer for us. Enrolling in their loyalty program would net us up to three $10 gift cards for 15 fill-ups in addition to our 5% cash back.

The only catch? You have to print a receipt and take it inside to the cashier to get credit for filling up.

I’m ashamed to admit that we didn’t start participating in the program until last week. It’s the end of January, and we’ve only gotten credit for two tanks of gas even though we did more driving in the month of December than we’ve ever done in a single month. We probably could have already received the $30 worth of gift cards considering all the gas we used last month with holiday travel throughout the state and the move.

The truth is, I saw the signs every time I filled up, and the only reason I didn’t take advantage of the promotion was laziness. It was cold, I didn’t want to drag the baby into the gas station, I was in a hurry and didn’t want to go inside. It was easier to pay at the pump and get on my way, so that’s what I did. But it cost me. We easily would have filled up 15 times in three months, but we probably won’t fill up enough in the next six weeks to receive all three of the $10 gift cards we could have gotten.

Granted, in the weeks after a newborn arrives, I think it’s easy for even the most frugal person to be lazy about saving money. But it’s unlike me to turn down any offer for free money, and that’s basically what I did by putting off participating in this promotion.

I see this type of thing all the time from less frugal people, too. Sometimes it’s easier to pay twice as much for an item at a gas station when you need it than it is to go to the grocery store where prices are much lower. Millions of people would rather pay higher prices for groceries across the board than clip coupons and hunt for deals. Many people spend hundreds of dollars a month on takeout because it’s easier than cooking every night.

Laziness is a harsh word, and I don’t think it applies in all cases. When time is limited, I think it makes sense to value your time over the money you could save sometimes. But my point is, how often do we choose the easy way when just a little bit of effort could save us a lot of money? If you’re taking the easy way out most of the time, you could be costing yourself a fortune.

It’s a question I’m asking myself a lot lately as we adjust to earning a higher income than we’re used to. I don’t want to be lazy about our finances. When you have a little extra money, it’s tempting to take the easy way out, but I’d rather work a little harder to save even a few dollars if that means building our savings and reaching our goals faster.

So it’s confession time: how often do you let laziness keep you from saving money? Think about it, and consider just how much you could save if you made a little extra effort in those situations the majority of the time. It could mean paying off your debt sooner, building your savings faster, going out to dinner once a month, or even taking a vacation once a year. When you make the extra effort to save most of the time, those dollars and cents add up quickly.