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Charmed, I'm sure...

Remember the impulse buy from last week? I'm wearing it along with an old silver locket that I completely forgot I owned. I found it in my jewelry box earlier that day.

I also wore this "church" hat. I wore it to church last week, and it definitely attracted some attention. Even my mom suggested that we sit in the back as not to obstruct anyone's view of the preacher and his pulpit. Is it rude to wear hats in church? I'm not sure. All I know is it's uber chic.

And the lace vest? Definitely worth the money!

Satin & Lace Jacket, tank, lace glove and Hat: Forever 21, Skirt: JCPenney, Locket: Found recently, Earrings: Charlotte Russe

Shop below to recreate this look.

Posted on May 07, 2010 at 10:00AM | Permalink | 8 Comments


What Triggers Your Impulse Buying?

I am terribly guilty of impulse shopping! If I'm out shopping and have the cash to spend (or enough money left on my credit card), I will buy something. Especially if I have somewhere to go for the night. The result: I have several things in my closet that I've only worn once. This includes two $300 dresses (I know, I shouldn't have!) and several other fancy (but reasonably priced) dresses all from special dates or from evenings out at fancy nightclubs. And to be completely open with you, dear readers, it was all because I wanted to be the "belle of the ball".

It all stemmed from my own insecurities, and now as a mature young adult, I now realize the minuteness of it all. But those impulse buys made me feel good about myself, and that's where impulse buying gets us into trouble. It's all about the immediate pleasure we receive.

Impulse buying doesn't have to consist of buying just clothing either. Take a look at what I previously posted on the 13 Common Impulse Buys.

Later this week, I will offer you more information about this wallet drenching habit. We'll start with something simple--let's discover the reason why you buy on impulse.

What triggers your impulse buying?

Posted on January 18, 2011 at 7:00AM | Permalink | 2 Comments


How to Compensate for Impulse Buys

You might give in every now and then to impulse buying, and that's okay. Impulse buying becomes a bad habit when you are constantly broke from your spending habits and/or what you've bought goes to waste. Let's say you're an impulse buyer when you see a bargain. Your house is so full of $1 trinkets and $5 junk that you have no storage space and the place always looks messy. Remember, just because it's on sale, doesn't mean you actually need it.

If you've given into impulse buying, there is a way you can make up for it. Sell something that you never use. Make sure the item you're selling can be sold for an amount close to what your impulse buy cost. So if you bought a $10 sweater on impulse, sell that pair of $30 shoes you never wear. If you can get more than $10 for the shoes that's great, but if not, at least try to sell them for an amount close to what the impulse buy costs.

We all give in to our temptations every now and then. What's important is that you recognize the problem and are learning how you can control it.

Posted on January 20, 2011 at 7:00AM | Permalink | 0 Comments


10 Ways to Stop Impulse Buying

Impulse buying is the leading cause of death for your bank account and, if you have a credit card, your debt, too. The easiest thing would be for me to say that you should tell yourself over and over "don't buy it" and to "stick to your guns!" But for those of us who are impulse shoppers, we know that we lack a certain element of self discipline in this area and those strategies simply won't work. There are, however, 10 ways that you can stop impulse buying.

  1. Carry cash. If you can actually see the money disappearing right before your eyes, it will help you limit impulse buying.
  2. Leave credit card(s) at home. We all say that we're "only using our credit cards for emergencies" but if it's in our wallet while we're out, we just might be tempted to use it. There's no harm in leaving it at home. Put it in a safe place and believe that today, there won't be any emergencies.
  3. Develop a financial plan. You need to get your finances in check when you decide it's time to quit impulse buying. It's always best to have a blueprint of where your money is going, and this will definitely help you.
  4. Stay away from toxic friends. If you have a friend who encourages spending--late night drinks, last minute shopping trips, etc.--it's best to find other ways to hang out with them instead. Suggest having movie night and pedicures at home.
  5. Avoid shopping with rich friends. I am completely envious of those girls who never have to work for anything. You know the type--they had that unpaid fashion internship at Vogue, lived on Park Avenue, and bought Louis Vuitton bags without ever having to work. Don't shop with those friends, unless they'rebuying! When you want to hang out, suggest ideas that require little to no money.
  6. Check your mood. If you're having a bad day, don't shop to cheer yourself up. Call a friend (or your mom) and vent about it. Take a walk (not at the mall or Fifth Avenue or even in that general direction) or take a bubble bath to cheer up.
  7. Plan shopping trips ahead. Make a list of what you need and take it with you. When you're out shopping, challenge yourself to only buy what's on the list. This tip is difficult and requires self-discipline.
  8. Don't put yourself in a compromising position. Keep yourself away from your favorite shops or restaurants when you're feeling down. You might experience a quick high from your latest find, but when the feeling wears off, you'll still be upset and you'll have the added financial burden. This includes surfing the Web for online stores.
  9. Write down your goals. Write down your goals on a sheet of paper and put it in your wallet. When you're out shopping, if you have the urge to buy, take out that sheet of paper and ask yourself whether that purchase will help you meet your goals or not.
  10. Unsubscribe from mailing lists. You might not know when Topshop has a sale or when H&M opens up a store in your town, but that's probably a good thing. And get rid of mail-in catalogs that encourage you to purchase.
Posted on January 19, 2011 at 7:00AM | Permalink | 2 Comments


I Had to Have It: The impulse buys of The Beauty and the Budget

Have you ever seen an item that you knew just belonged in your closet?

That's how I felt about this floral lace vest from Forever 21.

It was near midnight and I was extremely tired, but as a busy and restless woman, I didn't want to go to bed. (Sometimes I view sleeping as a waste of time, but that's another story.) I was browsing through their blog, The Skinny, and while I was actually looking for contests or chances to write for their site, I stumbled upon one of their latest posts, There's More Than One Way to Get All Dolled Up.

I saw the jacket, and I had to have it.

And at the price of $22.80, who can't resist this couture-esque style top?

Sometimes, beauties, we have to indulge ourselves in a small shopping venture, even if it's the beginning of the month and all of our bills are due.

But take it from a beauty on a serious budget, if you make an impulse buy that's sensibly priced, you won't regret it later.

 


Posted on April 29, 2010 at 10:00AM | Permalink | 2 Comments


Impulse Buy: Cuffed Shorts

Marc by Marc Jacobs - Runway - Spring 09 MBFW

NEW YORK - SEPTEMBER 09: A model walks the runway at the Marc by Marc Jacobs Spring 2009 fashion show during Mercedes-Benz Fashion Week at the NY State...

Check out: Cuffed Shorts under $50 for the most fabulous styles!

Pick up a pair of cuffed shorts the next time you go shopping. A casual, yet chic style will carry you from summer into fall this year.

Seen on the spring and fall runways, a pair of cuffed shorts will last you until it turns cold.

The best part about them is that they can be so versatile if paired with the right items, and there are various styles to choose from to compliment your shape.Read on...

Posted on July 01, 2009 at 5:30PM | Permalink | 0 Comments


13 Common Impulse Buys: Where is Your Money Going?

A research study shows there are 13 common impulse buys among Americans on shopping binges. Whether you're male or female, you'll find that the items on this list are items we have all purchased before--but were they impulse buys or necessities?

I'm certainly guilty of impulse buying. Take tonight for instance, I went shopping with my best friend. We walked by an Asian restaurant, and they offered us free samples of food. On our way back by the restaurant, we decided to buy some. I wasn't really that hungry, and neither of us had planned on snagging dinner during our excursion. But we did it on impulse... and because the Mangolian chicken was good!

I took a look at my bank statement before making this post. Here's what I bought on impulse: Cake mix and chocolate frosting, not one but two bottles of wine that I haven't even drank yet, Charlotte Russe pants that I am mediocre about, a dress shirt for my boyfriend because it was on sale, and a few things from Forever 21 that I literally only had the intention of wearing once for a certain occasion.

(In my own defense, not all of my purchases were on impulse. I did buy a six month supply of contacts and a nice pair of dress pants from Express that will last a long time.)

I spend nearly all of my money of food and clothing, which now makes me feel guilty. I need food to survive and clothes to wear, but it never hurts to cook at home or reduce the amount of shopping.

What else do we buy on impulse? Here are 13 Common Impulse Buys:

"Two separate studies of addictive shoppers polled their subjects to find the items they bought compulsively. These are the items that were most-commonly bought on compulsive shopping binges, in the order of purchase frequency."

  1. Clothing
  2. Shoes
  3. Jewelry
  4. Makeup
  5. Collectibles
  6. Antiques
  7. CDs/MP3s
  8. Art
  9. Cars/Auto Parts
  10. Electronics
  11. Housewares
  12. Books
  13. Food

[via: CESI]

Posted on September 15, 2010 at 9:00AM | Permalink | 3 Comments
Filed in: finance, budget | Related: shopping, budget, Finance, Impulse


Cuffed Shorts under $50

I love the yellow shorts from Gap! For work wear, try the high waist shorts from Victoria's Secret. Best Deal: Silk pleated shorts from Express.

Posted on July 01, 2009 at 5:45PM | Permalink | 3 Comments


Beauty and the Budget sets up shop on Ebay

Beauties, to compensate for my impulse buying, I'm getting rid of tons of gently used clothing and shoes from my personal closet! Most of the items have only been worn once or twice! Items come in a set, like three pairs of jeans or seven sweaters sold together, and the majority of sets are priced at only $10. Furthermore, in most cases, shipping is free!

Take a peek into my closet and see if there's anything you might want to buy!

5 Pairs of Jeans

6 Namebrand Tops

2 Party Dresses

More to come...

Posted on January 20, 2011 at 8:00AM | Permalink | 2 Comments


My Favorite Shoes, that I Never Wear

These shoes were $100 from Victoria's Secret, and I bought them about two years ago. An impulse buy, they are hardly ever worn. However, after walking around downtown in these puppies as I was trying to take photos for this post, I realized that they aren't as uncomfortable as I thought. Maybe it's due to the fact that I've been wearing black, five-inch pumps to work lately. (Seriously, my boss and I took a ruler out to measure them a few weeks ago!) Since these are probably about four inches high, they don't seem like such a challenge.

This winter, I plan on wearing them with skinny jeans and a heavy coat, but for now, I'm enjoying the way they look with this swing tank from Forever 21 and leggings from Charlotte Russe. The necklace is from H&M and all bracelets are from Forever 21.

Posted on July 21, 2010 at 10:00AM | Permalink | 2 Comments
Filed in: Fashion | Related: Fashion, lookbook