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Happy New Year!

    Turns out, due to the mail and packaging services being behind and the fact that I only sent them out a week prior to Christmas, our cards were super late - sorry friends and family! This year I resolve to getting them out earlier in December so that there is less of a chance of that happening again!
    As part of my resolutions for the New Year, I am beginning "Tuesday Tips" and "Friday Favorites." I will try to post as many Tuesdays and Fridays as possible; but with work, trying to get a new hygiene license, and preparing for a move that we don't have a date for yet.. it might be tricky! A move? Yes, we will be moving in 2014! No set date yet though! The new city [revealed later, unless our moms, dads, or siblings have already spilled the beans!] wants Tyler there May 1, but they want to keep him here until his replacement arrives in June - so for now, the two cities are battling it out!
    Today's tip, and many Tuesday Tips, will be about budgeting. Everyone's making resolutions for the New Year and this is a popular one! I feel like [while yes, I am a shopaholic] this is something I have a grasp on and can help share my budgeting and saving tips with you! It also helps me to have it written down and out there so I can "practice what I preach" so to say. Here it goes!

If You Can Wait, Wait!

    I know. This is the hardest thing to do, ever. You love that over-priced sparkly pillow and it would look just perfect on your couch. Or that $90 sweater that would look great with your new pencil skirt. Happens to the best of us. We rationalize spending on things that go on sale a month later and we haven't even used or worn them yet! I will admit, there are things that are not worth the wait and sometimes you just need to pamper yourself, but do it within reason!
"Good things come  
                to those who wait.."

Worth the Wait: Holiday Decor.
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    This year I was out of town, so I did not get to go after Christmas shopping for deals on Christmas decor - even my husband was disappointed we missed getting more Christmas decorations. Even though I missed out, by some grace of God, there were a few things left at Pier 1 when I stopped in last night. I picked up the ornaments above for about $1 each. To begin with, the ballet flats were just under $4 and the high heel just under $6, and I got the flats for $0.96 and the high heel for $1.38. Quite the steal. I purchased several of the flats to use under bows for next year's Christmas wrapping.
    All holiday decor is like this! Once the season is over, everything goes on major sale so they can get rid of it and stock the next item. You may be a little short on decor this year, but you won't be short on cash from over-spending, and next year you'll have a great selection!
How to Wait and Deciding What is Worth the Wait

It's a long process, but I make myself do this with most items and it's saved me a lot of money!

1. Take a deeeep breath and walk away from the item.
2. Go home and wait a minimum of 3 days. But preferably a week.
3. After the required time, reevaluate. Have you forgotten about the item? If so, not only is this item worth the wait, it might be something you can live without. Can't get it off your mind, dream about it nightly? Continue on before rushing to the store:
4. Make sure you have funds for the item in your spending money [complete breakdown on how I get my "Spending Money" number to come in a future Tuesday post] - not only should you have the funds for the item, but you should have 1.25x the price. Ex. If an item is $25, make sure you have at least $31.25 available. This accounts for tax, a pack of gum or lip balm you might pick up in the check out lane, and leaves you a little bit of cushion so you're not maxing out your spending money.
5. Have a vision for the item. If it's a clothing item, do you have at least 2 outfits prepared for it? Shoes, same thing. Home decor, if it's not holiday decor, is it something that can be set out for at least 2 seasons of the year, and is it a durable, "years to come" piece? You get the picture; make sure it's not something you'll only wear or use once.
6. Still in love with the item? Check online. Sometimes other stores have the exact same item at a lower price - just watch out for taxes and shipping fees. Also, check the store for any coupons or online deals. No luck? Proceed to step 7.
7. Head to the store and find it. If the item isn't there, I tell myself it wasn't meant to be. If the item is there, I do three things [I told you, long process!]:
  • Pick it up and reevaluate. Again, think of just how you'll use the item. Also, if it's clothing, try it on! Some things look great on the hanger and awful on.
  • Walk away without it. If it's painful, keep walking. Graze down a few isles and come back to the item to see if you still feel the same way about it.
  • Count. Is it the last one? or are there plenty there? If the answer is plenty, it might be worth waiting to see if it goes on sale at a later date. Last one, or only a few left? Proceed to final step.
8. Buy it or Wait. You're seriously thinking, "but I did wait.. a whole week!" After truthfully [see steps 4 and 5] going through the steps, if you've decided it's needed, buy it! You've waited long enough. If it's still if-fy, then wait a little longer. I once walked away from a necklace that was $30 thinking it was over-priced for dainty costume jewelry. I repeated these steps a total of 3 times. The 3rd time I went back to the store, the necklace was over 1/2 off. Definitely worth the wait!

    Yes. The process is long, and painful, but worth it. I can honestly say I've saved a TON of money and stayed in budget by being patient and waiting! What's meant to be in your closet will always find a way to be in your closet.

Happy Saving!
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Comments

01/09/2014 1:03pm

I keep forgetting all the moving that Tyler's job requires. I hope it's to somewhere fun! :)

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06/23/2015 2:50am

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