Target is every woman's demise. I've never met a lady who doesn't like Target! We've all seen the memes about overstocking your cart with a mountain of unnecessary items, when in actuality all you came in for was toothpaste. Uh, totally guilty. generally, Target is an inexpensive place to shop, but I've been finding that it keeps getting pricier and pricier! Since when did their shoes cost $50!? No, thank you. As a budget shopper, I'm always looking for the biggest deal and the greatest steal. With an endless amount of items to shop, and new items being added all the time, it's hard to figure out what is actually a bargain and worth the purchase.Read More
With an impending getaway, you're sure to be itching to make some wardrobe purchases. The trouble is, you can easily drop WAY too much money on unnecessary items! I've made a list of a couple of tricks to save a few dollars, while still treating yourself to a few new items before packing your bags!Read More
This week's post is all about creative ways that I've found to spoil myself, while still being frugal! I hope to give you some practical ways you can pamper yourself for a fraction of the cost and not find yourself feeling guilty after the fact. I've got tips for inexpensive manicures, facials, massages, haircuts, and blowouts! So listen up Frugal Fashionistas!Read More
Credit cards, credit cards, credit cards! Many of you probably have a love-hate relationship with them! Whatever your opinion is, you certainly can't live without one. I've had quite a journey to come to a place where I don't think credit cards are of the devil. Haha.
As a frugal girl, I used to be adamantly against them, refusing to open one, despite all the enticing offers and constant junk mail. I didn't see the necessity of one, and simply thought it was a cruel way for companies to profit off your spending. After graduating college, I soon realized the value and importance of building credit and had to take the dive into applying for my first credit card. I ended up just getting a basic credit card that I would just pay off at the end of every month. It was a simple, quick way to build credit. Then I ventured into the world of rewards credit cards! As a penny pincher, the idea of getting rewarded monetarily for doing regular spending is a no brainer! There are so many great rewards cards out there, but I wanted to focus on retail store cards for this week's post for all the fashionistas and shopaholics out there!
We've all been at the checkout of our favorite store when they ask the age-old question, "Would you like to open a store credit card today?"
And I’m here to tell you that your answer should be YES! (Well, under certain conditions. Haha) I hope to give you some helpful pointers on how to decide on a worthwhile store credit card and how it can actually save you BIG bucks!
Tips on How to Decide on the Right Store Credit Card for You:
1. First, you should start by thinking of where you shop the most and spend the most money. This will help you get the most bang for your buck! Yeah, you might have heard that you can save an extra percent off your purchase today, but how often will you shop at the store? Even though it ends up saving you a little bit of cash in the moment, it’s not worth bringing your credit score down a few points with a new credit card application.
2. Do your research! The talking points that the sales clerks give you at the check out are only the highlights of the credit card perks. You want to be well informed about the pros and cons before taking the plunge. Is there a yearly fee? What is interest rate? Does the card operate on a points system or a cash rewards system? There’s a lot to think about before deciding on the right store credit card for you.
3. Pick the one that provides the right savings for you! Some store credit cards offer instant savings, like the Target credit card, while others offer store gift cards as a reward. Think about what will give you the biggest reward.
So for my store credit card of choice.... After much avoidance, I finally caved and got a Banana Republic credit card. Not only did I frequently get hassled at the register, but I also had heard amazing things from friends that were big fans of the card. I decided on this card because Banana is one of the stores I shop at the most! I also love how their card also applies to Gap and Old Navy. They have a great rewards system that entails store gift cards, which I can always find a need to use! ;) Their rewards are earned by points, and they frequently have great points promotions. They just had a month where you earned 3x the points on purchases outside of their stores! You also always get rewarded with an instant extra discount when making purchases within the store, which is a great perk!
So it may sound counterintuitive, but investing in a store credit card of your choice can actually save you money! If you exercise self control and are religious about paying it off every month, it can be a great way to add a little extra cash to your wallet.
Now a little bit about my outfit! I wanted to feature an outfit that is primarily composed of items from Banana Republic. This week's look is a business casual office look! Dressing for work can get so mundane. Nothing like creating a new outfit or making a new purchase to spice things up! I was so excited when I snagged this fun silk wrap dress at the extra 60% off sale at Banana Republic this holiday season for $14! I decided to add some simple pops of pizazz with a gold shimmer kitten heel, a simple gold knot bangle, and jewel stud earrings. I love sticking with simple color palettes but then adding pops of color through accessories!
Black Satin Pleated Dress - $14 Banana Republic (originally $148, bought on sale with an extra 60% off!)
Gold Sam Edelman Kitten Heels- $17 Marshall's (originally $120)
Jewel Cluster Earrings- $9 Banana Republic (originally $38, bought on sale with an extra 60% off!)
Gold Knot Bracelet- $1.99 Banana Republic (originally $48, bought on sale with an extra 60% off!)
So hopefully I've encouraged you to take a second thought next time you're at the register and get asked the age-old question about opening a store credit card! If you choose wisely it will end up being rewarding and saving you cash in the long run!
I've heard it said that it takes 21 days to form a habit, good or bad. With the new year upon us, there are definitely habits that I'm trying to kick (like checking social media WAY too much) and habits that I'm trying to form (like eating healthier and not needing to eat chocolate everyday haha). Some of the hardest habits to change are our own personal spending habits. If you have financial goals for 2017, this is definitely a habit that you will want to address.
To help jumpstart your efforts, this week's blog post highlights some poor shopping habits to revamp or break in 2017. Hopefully, this will bring awareness and encourage you to be a little bit more frugal and just as fabulous! :)
5 Bad Shopping Habits to Break in the New Year
1. Paying full price for an item!
Ladies, ladies, ladies! You know how I feel about this one! There is no reason to EVER pay sticker price for an item. I feel like this is basically throwing your money out the window! Ok, that mayyyy be an exaggeration, but still! No matter what you're in search for, I promise there is a sale or discount to be sought after. One of my favorite ways to get discounts on clothing is by shopping at stores when they have an extra percent off their already reduced merchandise. (An extra 60% off sale is the best!) Another way is to look for coupon or discount codes when shopping online. Almost all clothing stores will have some sort of promotion on the weekend, so keep an eye out!
2. Not doing your research before a big ticket purchase!
How many times do you find yourself in a pickle in need of a new costly item immediately. So many people I know will be in search of a piece of clothing and just buy the first one they find, without doing any research! (My mother is very guilty of this. Love you mom! ;) ) For example, if you're in need of a new winter coat, you can easily drop hundreds of dollars at the drop of a hat. Instead of just going to the nearest department store and purchasing the first one you like, peruse the internet. A simple google search will do wonders! I like to search online at my favorite go-to stores for the item in need, like T.J.Maxx, Zappos, Amazon, Overstock, and Nordstrom Rack. Doing will research will help you sniff out the best price when making a big ticket purchase.
3. Wasting money on clothes you won't really wear.
I am very guilty of this one! Eeeek. I find myself too easily swayed by a cheap price tag. I so often coerce myself into buying things because "It's cute!" or "You never know when you might wear something like this!", when in the end, it turns out to be a waste of money. The outfit ends up sitting in my closet for weeks, months, and years never being worn. I'm afraid to tell you how many things in my closet still have the price tag on them! Think to yourself before buying: "Do I have an occasion to wear this? Does it fit into my usual wardrobe? Do I have any other pieces that are similar?" Don't be tricked my an appealing price tag ladies!
4. Sacrificing quality for price!
I'm all about saving buckaroos when shopping, but I've learned the painful lesson that quality trumps quantity. It's so easy to bop into Forever 21 and buy trendy wardrobe pieces for $20 or less. But chances are they won't last longer than a year, the color will fade, fabric will wear, and styles will change. If all your wardrobe purchases fall into this category, you'll end up wasting more money than you'd think! Before swiping really investigate the quality of the item. Better yet, if you shop super sales at higher end stores, you won't have to fret about quality because you already know the standard. In the end, you may spend a few dollars more, but the item wear better and be a better long term investment.
5. Impulsively buying items in the moment.
When I'm in the mood to shop, there's no stopping me! Once I get on a roll, it can ALL go downhill from there. Or uphill, depending on how you view it. :) It's easy to get in this trap, and just buy things for the sake of buying them without putting much though into it. If you went into the store with a one-track mission, stick to it! If you're looking for a cocktail dress, don't start wandering over to the casual wear, no matter how tempting it may be! Like I said before, no matter how cute the item is, if you can't picture yourself wearing it, or you don't reallyyyyyy need it, then take a step back. And if you do really end up regretting it, you can just wait and chances are it will be on sale and won't have to spend a pretty penny. This year, get in the habit of just being more thoughtful in your selections before swiping at the register. You'll end up with more purposeful pieces in your wardrobe and your wallet will be happier! :)
In this week's look, I implemented two of the money saving tricks listed above! The first one being, research, research, research!
Ever since the fall, I've been in search of the perfect gray suede over the knee boots. As you might already know, I'm a sucker for quality, and really only wanted genuine suede boots. The fabric suede just looks too fake! So I did A LOT of researching. I probably went on every shoe store website you could think of, from Nordstrom to Zappos. Most of the boots that I was finding under $100 were still not genuine suede. On my quest for the perfect pair, I fell in love with some that I found at Aldo's. The perfect color, height, and heel! The only problem.... they were $190. Yikes. As little miss frugal, I was not about to spend $200 on a pair of boots I problem won't wear in 2 years. I kept checking back for online sales and even in store, but every time I went in they were one of the few pairs excluded from the sale, of course. I was about to give up then I decided to hop over to Poshmark. I simply searched, "Aldo Barra Over the Knee Boots" in my size and 1 pair came up! Never worn before, perfect condition! They were listed for $80 and I was able to negotiate them down to $70. Needless to say, I was elated!
The second money saving trick of never paying full price, I used to purchase this bomb leather skirt. I've also been on the lookout for the perfect leather skirt. Over Christmas, my mom and I wandered into the Limited. And here they were heaving a mega sale, because they are all going out of business. Everything was an ADDITIONAL 70% off! (If you have a Limited in your area, run there now!) I ended up snatching the skirt for $11. Such. A. Steal. Knowing I probably wouldn't find many occasions to wear a leather skirt, I didn't want to invest too much money into the purchase, so this was just the right price tag!
I wanted to make the boots the focal point of this outfit, so I decided to go with a simpler top and jewelry. I like the symmetrical neutral tones of the sweater paired with the boots. Also the many textures are so fun!
Bell Sleeve Sweater - $10 The Loft (originally $69)
Leather Skirt- $11 The Limited (originally $69)
Suede Over the Knee Boots- $70 Aldo (bought on Poshmark, originally $190)
Suede Tassel Necklace - $4.95 The Loft (originally $34.50)
With the much of 2017 ahead of us, there's a lot of change to be made! If you have financial goals this year, start small! Tackle one bad habit at a time. It's all about changing your mindset and patterns. You'll be surprised how the compiling of the littlest of changes really do add up! And for all the fashionistas out there, starting with your shopping habits is a great place to start!