Archive for the ‘Thrift’ Category

The Frugal Fashionista, an Oxymoron?- Part of the Frugal Not Frumpy Series

September 8th, 2010

frumpygalI must admit I am having a bit of an identity crisis. I used to work as a stylist, so I used to live fashion then I got tired of the constant need for the new and the very large strain on my finances.  This was about three years ago then I started The Lean Times and got even more excited by being a frugalista instead of a fashionista.

Now we are at the beginning of the Autumn/Winter season where there are so many beautiful things to buy but I cannot let myself go wild in good conscience.  I decided that a game plan is in order if I am going not look like the lovely lady on the top of the page.

I have stuck to pretty much the same plan since I started working in fashion in NYC (a tough place).  I plan my colour palette as explained in Know Your Palette.  My colour scheme has not changed much in years.  I think of it as if it isn’t broke don’t fix it. When you stay committed to a palette, it is easier to mix and match  from year to year.

There a few items that I think it is vital to buy the best you can possibly afford -

1. A good winter coat – That is if you live in a place like the UK or the East Coast of America because you will be wearing it daily for several months.You can buy a great timeless one in one of the re-occuring trends such as military or vintage, or a just a well made fabulously fitting one, if you take care of it, it can last years. I have been wearing the same Costume National coat for over nine years.  Yes, I do sometimes feel ill at having to wear it again but that feeling soon dissipates once I put it on, am warm and still stylish.

2. Boots – Another item you will be wearing a lot in the dark, cold winter months.  Spend money on a simply chic pair that will go with most of your wardrobe.  If you feel the need for a trendier pair in like leopard, hit the high street as you probably won’t want to keep them next year.

3. Handbag – bags have turned into the barometer of being in the know, get one good one , which you can grab at a good consignment shop for a fraction of the retail price.  Your bag doesn’t have to be this season, in my opinion the bags in the past few years are better than the one now but make it a good bag.

I think this fashion season is a great one, especially if you have a womanly figure as I do.  I will be shopping in charity shops in expensive areas, markets and the high street.  Since I still work in fashion I do need to keep up appearances but I will still be sporting my ancient (in fashion terms) Costume National coat.

What is your fashion game plan? Leave me a comment with your wisdom.

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Summertime Debt Free Time

June 23rd, 2010

sunflowerI think the summer is the best time to start a plan to get your finances in order.  Why summer and not in January when most people make resolutions? In the summer with all the sunshine things seem a bit better, more hopeful even, so what better time to sit down and take a long hard look at your finances.  There are other reasons that summer is a good time to work on cutting back.

Here is a little list:

1. It stays light longer so you can really cut your electricity bill.

2. Since it is lighter much later you can stay outside and not watch TV.  Cut your cable tv down to the bare essential channels and you will be acclimated to less channels by the time the nights start closing in.

3. Fresh fruit and vegetables are less expensive so you can eat better while cutting your food costs. Hit your local farmer’s market. Watch out for a summer food post next week.

4. Cut back on your public transporation by walking more.

5.  In the same vein, quit the gym and find an outdoor exercise to do.

6. January is just plain depressing with the physical and financial hangover of Christmas. Who can face a total financial revamp in that gloom.  It is so much better to lay the groundwork in the sunshine then you will have your good habits in place by the autumn.

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I am NOT a hermit, just frugal

April 22nd, 2010

hermitA colleague commented recently, she thought it was a bit strange that I don’t go out much and prefer to do my drinking at home usually with a meal that I prepared.  She thinks I am a bit odd, perhaps I have a touch of agoraphobia outside the workplace, but no that is not the case.

OK here is the deal – I don’t go out to events or evenings in the pub that I don’t really want to. I don’t go out just because it is Friday night and that is what other people do.  I  am trying to get out of debt and looking at the BIG picture.  I have come to the realization that if you want a better or different life, for me, that is one of more freedom away from debt or excessive worrying about money, you have to make some changes.  Notice how I did not say sacrifices because for me an evening in the pub versus a new lipstick or half a pair of shoes, it is a no brainer.  I would rather wake up in the morning feeling good and having money in my pocket.

Oh no, now you my lovely readers are thinking I am a bit strange.  I do go out but not as a habit because once something becomes a habit; it loses its magic. I like to look at going out as an event not just that thing we do every Friday night. I see going out like ice cream if you eat too much your bank account will feel a bit sick.

Since I am not out and about, what am I doing then?  I am not just sitting home in front of my computer or the television, I take a sewing class and I cook a lot.  In the summer, I put a table out on my terrace, light candles and have romantic meals with my beloved.  Since I did bring up my beloved, he still goes to the pub but with his mates, who enjoy it more than I do.

It is all about choices.  My choices at the moment are to keep my eye on the prize to debt freedom while finding new ways to make life interesting.  Have you cut out anything in particular while on your frugal adventure? And if you have, what are you replacing it with?  Leave me a comment.

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