Tag: cheap

The Tricks That Stores Play On You

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So, I feel that being an avid shopper has led me to uncover some tricky tricks that ALL stores get you with. It seems logical, but lethal. Sometimes, it’s not easy to detect these “bargains,” but to the trained eye, it is fairly simple.

Sales are a great way to increase a store’s money flow. When the word sale is However, sales are not always the greatest of bargains. Watch out for final sales and non-included items. It’s easy to play tricks on the common folks, and final sales can be a bitch to try to return. My advice? Try to weed out a bad deal with your common sense. It’s not that hard to ask an associate about the details and fine print of a sale.

Another issue I have with retail stores is the impulse buy section at the cashier and in the line. I literally think that cashiers take enjoyment out of taking more than enough time to ring you up. I know for me, I look around, touch a couple of items that sparked my interest, and I give myself a stern talk before I add the new impulse item to my bill. I don’t know what makes me more mad: the fact that the store actually got me, or that the cashier knowingly takes her time ringing me up.

Stores usually have large re-merchandising shifts that take up to 8 hours to completely revamp the look of the store. This way, the customer is more prone to purchase items that have a “focus” display. On top of that, music is carefully chosen in order to make you bop around and add more things to your cart…and they make sure there is a space for you to sit down and enjoy the ambiance.

Here’s my real opinion. Ya’ll are just losing control. Get it together, make sure to utilize your budget, and don’t drop your guard. Salespeople can be very convincing if you don’t want to be mean. Conclusion? Kindly say no. Tell the salespeople you don’t need their help…unless you really do. For some reason, I feel like I want to become friends with these people. TBH, they literally don’t care about anything but your money and your purchase. Gather your belongings and move along.

 

xoxo-kate

 

Gambling: Yay or Nay?

You just need to control yourself and walk away…

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For most people, gambling can be a vice that they just can’t walk away from. For others, it is not an interest. For me, it’s a catch-22…do I voluntarily become a broke bitch? Or, do I walk away and enjoy other things in life? Although I would choose the latter, my friends would like to have a “sassy casino night” in Atlantic City in New Jersey.

What’s a girl to do? I can’t be a Debbie downer, so I’m gonna have to deal.

How To Gamble: For Non-Gamblers

Make A Budget

Make a budget and stick to it. It’s a common trend for me to verbally tell my fiancé my plan for a budget. I will say how much I am going to spend, and how much I am willing to bend on it. I’ll think about the bills I have to pay, and how much I already have on my credit card. It’s a good strategy to keep in your back pocket when you are faced with the possibility of winning millions.

Be Strong

We’ve all been there: you put in $10.00, and you win $20.00…then $35.00…then you lose it all. When you lose your budget, stop playing. STOP. Casinos now make it easier than ever to put you in debt…including a place to put your credit card, and ATM’s all over the floor. My advice? Take your budget out in cash before you get to the casino. Usually, there is a HUGE surcharge fee all up in that jawn.

Enjoy Other Things

Although casinos are based off of gambling and throwing away money, you might as well throw your money away (if you really want to) on something that has a guaranteed good or service that is beneficial to you. So, go to a show or a club at the casino. In the end, you’ll be happy and drunk. #whatcouldbebetter

Be Negative

Yep, that’s right…be negative. Be realistic. What are the actual chances that you will win millions? Nada. Sorry for the harsh reality, but it’s true. You won’t win big if you keep putting your money in. Chances are, you will lose…and lose big.

Cash Out and Walk Away

If you put in $10, and win $20…cash out. CASH OUT. Go buy yourself ice cream and walk on the boardwalk. Put that money in your money jar and consider it a lucky win. Don’t ever think that you’ll win more with one more round.

That’s it for now, stay tuned for some sassy observations in a couple of days. Should be a good time.

xoxo-kate

If you know someone with a gambling problem, visit your state’s website for a dose of reality.

A Credit Card Is Not Your Friend

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Today is a good day. I finally paid off my credit card…in full. Oh, I can’t tell you how good it feels to finally be out of debt! Well, except…you know…freakin’ Sallie Mae.

Here are a couple tips that helped me when I was trying to swim out of this black lagoon:

  1. Don’t put small purchases on your credit card We all know it’s tempting, but don’t do it!! Putting on small purchases are easier to forget than an impending big charge. The less you put on a credit card (or debit card for that matter!) the better. I have become a big believer in trying to carry cash with me, and only using cash!
  2. Swallow your fear: submit big payments If you get a paycheck for $800, and your other bills are paid, put $100 into savings and submit a BIG payment. Try to put $200-$400 for the month. The bigger, the better. You will feel like a huge weight is being lifted!
  3. Don’t swipe after you make a payment. We’ve all been there, we think that since we paid off some charges, we can continue to swipe! Our credit line is up, so why not? I’ll tell you why…because being confident about your money can be lethal. Obviously not at all times, but when you get cocky, it can be bad.
  4. Use your card for a specific thing. Whether it is for gas or food…keep it as such. Don’t go crazy using your credit card for frivolous purchases. The up side of this is that several credit cards have a special for cash back or double points for a certain thing. If it’s offered, use it. If you get double points for food and entertainment (ie: movies)…use it for just that. You can get some super fun things! (ie: points to use towards cash, gift cards, or your cc balance)

Try it, and get back to me!

 

xoxo- kate

Chic and Cheap Weddings: 103

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After a long week of soul searching (and working like a dog), I’ve decided to write another post about weddings. It’s certainly a biggie: wedding favors, table linens, and veils

Alright, this is a short post, but important.

Wedding Favors

Girl please, most people will be too drunk to get the favor…(unless it’s a dry wedding…in which case, you need to get your priorities straight.) So, anyway, there are plenty of favors that are less expensive than the common ones. For example: food, bubbles, or flower seeds. Candy can run you a good $2.00 per candy, while flower seeds and be a couple cents, if you know where to go. I have gone to my fair share of weddings, and I will tell you my ultimate favorite favor: Nothing. THERE! I said it! Donate that money to a good cause…we all know your guests are more excited about their new profile pics and their drunken buzz than a package of *literally* terrible candies with my husband’s face on them.

Table Linens

Another ridiculous expense that most brides would be better without. Yes, your color scheme is important…and yes! the lace linens you saw ARE super cute…but literally, your guests are looking at you, talking about you, and taking pictures of YOU. I have never heard of a party-goer saying that a bride’s table linens were not “up to par.” Please, we all know you spent a fortune on a table cloth that your aunt dropped spaghetti on…and then tried to cover it up. Linens are the WORST. It is so easy to get caught up in that crap. Do me a favor (just for me, please!) Don’t spend extra on table linens. Most of the time, your venue will have a vast amount of choices that come with the price. Take those bitches for all they are worth!

Veils

Oh, lady! You are literally putting a piece of fabric in your hair for about 3 hours! You might want to make it interesting…for goodness sake, it’s your wedding! If you are anything like me, you want it to be traditional. I get that, I really do. Traditional is good! Don’t splurge for a veil. My advice? Go on etsy, ebay, or a pre owned shop. It will save your life…and your wallet (Which is super cute, by the way!)

That’s all for today, the holidays are getting to me! Oh, and I got published on Elite Daily! Check that baby out!! I’ll see you after Christmas!

xoxo -Kate

Holiday Shopping Etiquette

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Ah, the season of grumpy parents and bratty children has begun! I’m so excited! Partially because I am neither…but because of Caramel Brulée Lattes at Starbies. But, that’s another post…for another time. However, if you don’t know what it is…click that link, educate yourself, and get back to me…pledge.

Cool- we’re all caught up? Great. Let’s get started. Last year, I blogged about budgeting and making sure you all knew the tips and tricks to stick to your budget. This year, I’m talking about etiquette. Someone has to– might as well be me.

Who To Buy For:

  1. Your direct family. This means parents, siblings, and yes…your in-laws too. Get a “couple gift” if need be, but don’t be a rude sister/brother-in-law. It leaves a bad taste in a person’s mouth.
  2. A significant other. Depending on the seriousness of your relationship, gifts may have to be purchased for his or her family members as well. If engaged, get it together.
  3. Your BFF. Talk to her/him. Determine a budget and stick to it. No one wants to be embarrassed when exchanging gifts.
  4. Your Close Friends. If they are all in the same close knit group, do a Secret Santa sort of deal. If they aren’t, work it out individually. Some friends don’t want to give gifts, and would rather just have a fun night together. I get it, and I’ve done it.

Who Not To Buy For:

  1. That crazy coworker who bought you a candy cane.
  2. Your Dunkin’ lady…your Starbies barista may be another story: She just gets you..and I get that.
  3. Your “friend” who you see once a year to “exchange gifts.” Please, let that end…sooner rather than later.
  4. Your customer at work who knows what kind of car you drive, and the type of coffee you drink. My advice? Don’t drink the coffee she brings you when she comes in to buy stuff. Just saying…
  5. Your coworker’s child. Unless you are close, which I doubt, refrain from this practice. You’ll be broke by the time that kid graduates from kindergarten.
  6. Your boss. We know, it’s important to suck up. Write a card with meaningful thank you. If they wanted a gift, they would have given you a raise.

That’s it. Don’t buy petty, nonsense gifts. This time of year, it is so easy to go crazy and shop for anyone you’ve ever had a conversation with. Don’t do it. It’s not cute. As always, stick to a budget, and always remember to avoid a credit card charge!

xoxo- Kate

Chic and Cheap Weddings: 102

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Take your seats and get your notebooks out, it’s time for another wedding chat. Last time, we spoke about photographers, wedding halls, dresses, flowers, and Pinterest avoidance. This time, we’re digging deeper into details. Rip off that band-aid, girl! We’ve got stuff to do.

I’ll start by talking about the smaller deets: Pre Cana (If you’re into it), Bridesmaid dresses and gifts, cakes, and save the dates.

Religious Training for Marriage

If you want your marriage to be recognized by your religion/church/temple (etc.), your significant other and you must attend classes in order to be well prepared for the sacrament. In my case, Michael and I must attend Pre Cana. To be honest, we’re fairly excited. We want to meet new couples that are just as excited and are ready to get married. The downside? That $150-$300 fee to take the class. Girrrrrl what theeee…?! I’m all for doing this right, but wow! That’s pretty hefty. This is something that’s non-negotiable. Especially if your religion is important. My suggestion for this one? Put aside the money down. Live on yogurt and PB sandies for the next week until your paycheck comes in. It will be over and done with. Better yet, submit the payment so you aren’t tempted to use it.

Bridesmaids

Sisters, cousins, and besties all will be gathered next to you the day of your wedding. You appreciate it right?! But where does the line get crossed? What is proper wedding etiquette when it comes to the bridesmaid dresses? What about gifts? If you are buying the dresses for your ladies, forget the gift. That is their gift. Bridesmaid dresses (if not shopped for appropriately) can be upwards of $400!! Going on sites like bridesmaids.com will be a lifesaver for you. Being money conscious for your girls is also a huge thing. Yes, that bridesmaid dress is perf, but the one of $99.00 is much better in your bridesmaid’s eyes. Please don’t start with the “but it’s my day!” crap. Yes, it’s your day, but those girls don’t HAVE to be next to you. Be kind.

As for gifts, make it personal. Make it you. Make it you and your bridesmaid. Stop with that expensive stuff! (Unless you get a phenom deal, then go ahead) There are plenty of things you can do as an alternative that your bitties will like just as much, like a welcome box with a bottle of wine, some gum, some cute (reasonable) earrings or a bracelet, and an adorable wine glass. Get your creative on. Your bridesmaids will appreciate your sentimental actions and be so much more excited to do things for you! (excellent.)

*This bullet also goes for groomsmen.

Cakes

We’re sailing into uncharted territory. This is probably the single thing I am avoiding while planning my wedding. I feel too much pressure! I like chocolate, but my family may not! My friends might hate fondant, and my family may hate buttercream! As if Pinterest wasn’t pressure enough, so many of my friends are shocked I’m not excited about this. Whatevs, I don’t like a lot of sugar! Sue me. Anywhos, my reception site makes the cake. Which is super convien. and makes me happy that I don’t have to go cake maker shopping. Ugh. For those of you that aren’t as lucky, make sure that you LIKE the taste of the cake. Make sure that the cake is a flavor that you and your fiance enjoy or agree on. After all, the cake is probably never remembered…with all that alcohol, right?

If you’re like me, look at alternatives. Although I’ll be getting a cake (as per my fiance’s request), cupcakes and a dessert table can be beautifully arranged.

Save the Dates

Make sure not to spend too much money on this. I swear, everyone obsesses over save the dates. I’ll tell you what I think: It literally sits in a person’s house, on their refrigerator (or didn’t even make it out of the envelope). Most of the time, the invitation is what really reminds a person. It’s a good idea to send out save the dates if a couple is getting married on a holiday weekend. Other than that, save the dates are frills that are fun to look at.

Tune in next time for the unnecessary frills that are never noticed!

xoxo- Kate

Some Advice Before Buying Full Price

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Hey Boos-

Ok, so let’s talk about this whole instant gratification thing. I’m guilty. Who isn’t? …put your hand down, bitch. Anyway, I want to talk about buying full price in a store or online. Stawp it. You know it’s going on sale in like, a week. Let me tell you, stores pull items off the floor almost weekly. Stores also almost ALWAYS mark that stuff down come the next two or three weeks. If they don’t, whatevs. Hate me, I saved you some money.

Here’s some advice to you when something is on the market that you just can’t get your eyes off of. (I’ve been there,after all… I am human.)

  • Stalk the crap out of it. Visit that website every day if you have to. Sign up for promo e-mails, then unsubscribe after you’ve gotten what you need from them. (Ugh, that’s so terrible.)
  • Make sure you do price comparisons. Go on direct online sites that maybe selling the same item for cheaper.
  • Although I used to stick my nose in the air about this, check Amazon and Ebay. No jokes..well the one joke would be if you bought something and it was fake…but seriously, there are a lot of people out there who have what you want and are selling it because of a break-up, divorce, or they too are broke!
  • You want it? Work for it. Go on every website you can think of. RueLaLa, Hautelook, Nordstrom, Bloomies, Macy’s, Neiman, Lord and Taylor, do I need to go on? I mean, you found me because you’re trying to get off the drug, you already know what it looks like 😉
  • Just know how terrible you’ll feel when you’ve already bought it, and it goes on sale the next day.

(On another note, trying to stop shopping is like trying to stop smoking the first, second, and third time. Harder than hard. But, once you get over the first hump, it’s so good…in reference to both things.)

Anyway, happy hunting!

xoxo- Kate

Penny Pinching is the Way to Go

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With Christmas just over a month away, I have already started a list of people I need to purchase a gift for and the amount I expect the gift to cost.  This is a great way to stick to my budget. I have to congratulate myself, not for my low paying job, but because I am almost positive I am nearing the end of what I call my obsession for designer brands. I could easily charge a Michael Kors bag on my credit card and slowly pay it off over the upcoming months, but I don’t. I instead have come to realize that this isn’t going to make me Instagram famous. No matter how hard I try.

I realize there is a bigger picture: there are bigger things you have to worry about than spending frivolously… No matter how much I think a new handbag would bring in a new season or a new necklace would accent my new outfit, in the long run it isn’t the right choice.

It makes more sense to watch your pennies and only indulge in the smaller things such as my cup of Starbucks iced coffee, a milkshake, or a bite to eat once a week with the person I love when we have the same days off.  I am learning my lessons about what I preach about impulse buying, and instant gratification. It’s not ideal and not where I see myself in five years. For now, my wedding planning and purchasing a house are more important than that new handbag I want, or that Tiffany’s necklace I hope my fiance gets me for Christmas. 🙂

Happy planning and happy savings.

xoxo- Kate

Cheap Weddings 101

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Alright ladies and gents-
Let’s talk about it: *shudder*
Wedding Costs.

If you’re money conscious, like me, having a huge wedding is something you’ve always wanted, and are terrified of the thought of the amount of money that goes into planning and “throwing” a wedding. DEAR JESUS! That money though…

I got engaged in early July, and due to my white girl obsession with everything fall, I wanted a fall AND only a fall wedding. Obviously, it was too soon for me to plan my “dream Pinterest inspired wedding” in less than three months. We opted for next September. As an engagement gift, I received a binder from The Knot, aka the holy grail for wedding obsessed women. I obviously hopped right into wedding planning. For anyone in my shoes, or almost in my shoes, I’m gonna break down this realization:

“Well, weddings are fairly expensive, everyone knows that”

flip through first section

“Do you have to only pay for the reception place?”

flip to next page

“AND the church/temple/place to get married ?! WAIT HOW MUCH?!”

google cheap alternatives…then get yelled at by family for googling cheap alternatives

“Ok, soo the most expensive part will probably be my dress, the church, and the reception”

How much can photographers REALLY cost?

“Holy…”

Let’s just elope

**mother cries. You cry. Friends cry. Fiance gets wine for all aforementioned.

Ok, so we get it right? Right. Weddings are expensive. And I curse whoever made this a multi(probably)BILLION dollar industry. After watching my sister, brother, and plenty of friends get married, I’ve picked up a couple interesting tips that you may want to know about.

  • Your dress: Is it just me, or are there other people who think its crazy that you spend an immense amount of money on a dress that you wear once? On one hand, it’s insane, and you all know it. On the other hand, when will you wear something as fabulous again? Uh…what about a Tuesday? I happen to know that Lord & Taylor, Macy’s,Bloomies, and Neiman ALL have beautiful gowns, and some come in white. And some come in under $100. If you get my drift.
    • PS- My bestie got married in a gorg bridesmaid gown in ivory. Talk about a savvy diva.
  • Your ceremony: Depending on how you want your wedding to go down, there may not be an alternative to spending the cash to get yourself recognized…unless you have a friend and he/she can marry you. Then you’re in luck.
  • Your photographer: Your sorority sister takes sick pictures? Score. Get that bitty on lock for your engagement shoot. As for the wedding pics, shop around. Talk to photographers in your area. A cheap package can run you a couple hundred without the insane amount of frills they “add-on” to sell you on your own wedding day. You can do books and different size prints yourself. Snapfish or zazzle makes that stuff super easy.
  • Flowers: Check out alternatives for flowers. Broaches, dried flowers, sheet music (ok, that one is hard), burlap (for that rustic type of girl), beads, lanterns (if you want them to look like they live in Hogwarts), or even feathers. If you’re stuck on flowers, you gotta give and take a little. Maybe compromise. Have flowers in the ceremony and an alternative in your reception. Girl (guy), it’s your special day. Get it together.
  • Another tip: Get off the internet. Stop looking for alternatives for what you’ve already decided on. You’ll end up spending more money on MORE stuff you probably won’t use.
  • Reception Site: Night time wedding on a Saturday? Open that wallet a little more, please! Try a day time on a Sunday afternoon. Or a night-time on a Thursday…in January. The reception hall will be paying YOU.

Anyway, that’s all for cheap weddings 101. Tune in for my next ranting break-down about weddings in a week or so 🙂

xoxo -Kate