How’s the Year Going?

For New Year’s I made some goals for myself to work towards in 2020. If you need a refresher, they can be found here. Since I don’t have much going on, I thought it might be a good time to check in and reset if needed.

  1. Save money– still not going well. There’s always something I need to buy, or correctly, want to buy.  It’s a sickness, but I have been trying to think through purchases a bit more before I make them. Baby steps, right? Since quarantine, I’ve been worse at purchasing things that aren’t exactly necessary (like loads of books, outdoor furniture…), but I did put my tax refund and stimulus check towards my debt, so here’s to trying! I think my savings goal was a bit over adventurous, best to work on my debt before I start saving too much.
  2. Read more- I’ve read 17 books so far this year, I would say I’m doing fairly well with this one! Might go above my goal?
  3. Make friends– hah, nope. I was trying to be friendlier at work to people I don’t necessarily work with, and I tried to join a book group on MeetUp but then pandemic happened so haven’t made any progress here. Since in quarantine, I’ve been trying to facetime with those people who are my friends?
  4. Make 5 difficult recipes– I made a roast chicken! It was SUPER gross and I almost vomited like twice, but it was super rewarding in the end. And tasty! I tried a new cinnamon roll recipe but haven’t done much cooking other than instant pot and easy meals. It’s hard to be adventurous in the kitchen when only half the grocery store is stocked.
  5. Be present– I was doing fairly well with this one, but quarantine and tik tok happened and my screen report makes me cringe every Sunday morning (can we just agree Apple should stop doing that until this is over?).

Did you make goals for the year? If so, how are they going? Is quarantine impacting them, either positively or negatively? I’ve love to hear about it in the comments below!

Sincerely,

Sara Ann

 

Oh Where, Oh Where, Did My Money Go?

I really hate my inability to stop spending money. To no one’s surprise, I’ve already broken my spending freeze that I started on Jan 1. What did I buy? A Macbook Air, followed by a pair of pants, sweater, and a skirt.

Did I need any of those things? No, not really.

The only one I could argue would be the laptop, but I truly didn’t ‘need’ it as I might try to explain to you, though I am hoping to get better about posting on here, since I have an actual keyboard for typing. I also wanted to watch the latest episodes of Schitt’s Creek, which I didn’t know how to do on an iPad. Groundbreaking work happening over here, folks!!

My thing is, there’s always something I want and it’s always being shown off to me via social media. I guess I could delete instagram, but that’s no fun. I have actually unfollowed a majority of stores and brands; however, I still follow many blogger/influencers who show me all the cute things they’re buying (erhm, getting sent for FREE, which is a SCAM that I would totally be open to if anyone in a brand’s marketing dept is reading this).

Then there’s the guilt a I feel when someone I was friends with or went to school with starts a boutique or clothing brand and I feel the need to support them and their business. Because #WomenSupportingWomen, y’all!!

How do I stop??! Any advice? Please share in the comments, I’d love to hear how you avoid spending and conscientiously save money.

Much love,

Sara

My 2 Month Spending Fast

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Some people go on fasts to diet and lose weight. Others fast for various reasons that coincide with a religion or spiritual group. I am fasting from spending money on unnecessary things. Clothes, shoes, makeup, and the list goes on; I spend endless amounts on things that I barely use or wear. Starting yesterday, September 1st, I will be refraining from purchases that are not necessary so I can hopefully increase my savings and learn to budget. The goal? Not spend until November 1st. Yes, that’s two months of not swiping my card or having packages delivered to my house. Am I going to die? Probably.

Recently, I became oddly aware of the fact that I am horrible with money. The only thing I’m good at doing with money is spending it. I don’t know how to budget, pay off debt, make an IRA, ANYTHING. I decided that going on a spending cleanse was my best option. I hope to figure out why I constantly feel a need to buy new things, and how I can improve my financial status. As a young twenty something, I feel like it’s still somewhat acceptable for me to be reckless; however, as I approach my 25th year, I feel that I need to start getting a few things in order.

(“Can she do it? How long will she last? Stay tuned, folks.” -the announcer of my life, if I had one).

-B

Splurge n’Save: What Clothing Pieces to Buy for How Much

In life, there are few basic necessities that we all must have to fully function as humans in society that have been around for thousands of years. Things like food, water, coffee and clothing are all pretty much required on a day to day basis. Okay, maybe just coffee for me, but you get what I’m saying. While I don’t know much about the other things, I do know about clothes, which to some folks is an overwhelming necessity due to the vast amounts of styles, colors, types and brands. When shopping, one might feel lost or confused by what they should and shouldn’t be buying. While I believe that is something that is based on the individual person, I do believe there are certain ways to buy certain things, especially in regards to how much to spend when buying those things. So I’m writing today to tell you (in my opinion) where you should splurge and where you should save.


Splurge: Denim

Jeans are awful, jeans are wonderful, jeans can be seen in almost any store there is. Every brand has their own version of denim (or really a cotton/poly blend) and each brand is a little different in concerns of fit, wash, and details. For those things I would suggest going into a few different stores and trying on different styles of their jeans just to see how you  personally like the fit and feel. Splurge a bit on jeans because if you buy a decent pair of jeans, they might last you a year or two, especially if you properly take care of them (never place in the dryer!).


Save: Basic Tops and Camis

Old Navy, Aeropostale, American Eagle…these stores all have basic v-neck tees and camisoles for under $20, which is an amount that I probably wouldn’t spend more than for these items. They are worn often and sometimes just with a pair of leggings or jeans to run to the store, so no one is going to notice if your shirt was $8. Some designers have basic tees in their line for upwards of $80, which for a basic white v-neck t-shirt is ridiculous (in my opinion, of course). To each their own, but this is an item where you can most definitely save.


Splurge: Heels

One black and if possible, one nude, at least for job interviews, funerals & weddings. I’m talking over $100. If that’s not in your budget, then wait for a blowout sale where designer shoes are discounted or hit up Nordstrom Rack for a deal. A bad pair of heels will ruin your feet while a good pair of well made heels will take you pretty far in life. Again, if taken care of, these can last you quite sometime, and, unlike your waistline and jeans, your foot’s size doesn’t change all that much so you’ll be safe with that size staying the same.


Splurge: Outerwear

If you’re like me and live in the Northeast, you know the value of a good winter coat and a good rain coat. Again, look for something retailed at over $100. I know it might be a lot to drop on a piece of clothing, but think of the new coat you won’t have to buy for three to five years. Look for something warm and durable and make sure you dry clean it after the season. Do you see my theme with the ‘splurge’ items, it’s all about taking care of the item so as you get the most out of your dollars spent.


Save: Trendy Pieces

Now, when I say ‘save’ I mean, paying upwards of around $100. When I say ‘trendy’ I mean pieces that are only in for this season, and will most likely never be worn much after that.  For example, a wild and fun printed crop top is a great buy right now, but crop tops are at their peak, soon they will be on the decline and out the door. These pieces are worn a few times and eventually end up at a thrift store or stored in your closet until you pull it out 6 years later and take it to the thrift store or out to the garbage. We also call these fast fashion items.

There are many trendy stores, like H&M, A&F, AE, Old Navy, etc. all with trendy pieces that usually aren’t more than $50. Buy, wear twice, and send to ThredUp when done!

So, Reader, is my list complete? Is there anything you would add, or disagree with? Let’s discuss below!

Love, B.