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Shopping With Fancy

When living a Fancy Life, you have to keep your money where you can see it, IN YOUR BANK ACCOUNT! I bet you thought I was going to say "in your closet" like our favorite Sex In The City character. Nope. Not me. In my household, we pride ourselves on a bargain. If I can score a $1600 handbag for $400, my husband is all for it. Everything has to be a deal or at least reasonably priced. The first rule of thumb is to never pay retail. Everything is negotiable. Somewhere, someone is trying to get rid of the very thing you're looking for at a price of little to nothing.

You should ALWAYS have a budget when you are shopping. We like nice things and we work hard, so we deserve to treat ourselves every now and then. But being fancy doesn't require you breaking the bank to buy "things". There will always be some new handbag, dress, boot, sandal, etc. that you just HAVE to have. Avoid blowing your budget at all costs. There are a few exceptions to this rule but we typically stick with our budget.

Shopping in the Mall:
I try to avoid the mall at all costs. If I am in the mall, it's because I'm shopping for a special occasion at the last minute or I wanted a single cupcake. LOL! I generally go straight to the clearance section to peruse the sale. If I'm looking at regular priced merchandise, it's because I have a coupon or I know someone who is going to give me their employee discount. Although I try to avoid it, I sometimes have to pay full price for my husband's shoes. Men's shoes are so expensive and the styles never really change so they're hardly ever on sale. Womp! In any store, I grab everything I like until I can't find anything else. This can eliminate any "run backs". A "run back" is when you can't stop thinking about that thing you put back and decided you wanted it again. We try to avoid these because, usually, if you want it, some one else will too. I've had a few traumatizing experiences when I changed  my mind and tried to "run back", only to find my coveted item in
someone else's hands. *sigh* Once I have everything I like, I can begin the process of elimination.

Shopping Online:
I LOVE shopping online. You can find pretty much anything your little heart desires from the convenience of your couch and they bring it right to your doorstep within a day or two. I put everything I want in my cart, just like at the mall. Then I search the specific item to make sure I'm getting the best price. The cost of shipping can be a killer with online shopping. If I'm purchasing your item, I want it shipped for free. So, I think long and hard about if I'm going to purchase something if shipping is not free. There are very few instances when I will pay for shipping. The reason being is that someone, some where is willing to ship it for free. A lot of sites try to sucker you in by offering free shipping if you spend a certain amount. It's a trap!!! don't let them get you! You will end up spending $100 to get free shipping all you really wanted was a $20 necklace. Then I do the process of elimination in my cart.

Process of Elimination:
At the mall or in store, this process begins in the fitting room. I dread the fitting room, but if I only budgeted for 2 dresses and I've picked up 8, something has got to give. Sometimes, what I thought was my size is not. Other times, what looks great on the hanger, doesn't look so hot on me. The fitting room usually eliminates at LEAST 1 item, if not more. Online, I look at shipping and the budget as well. Then I ask myself the following questions:

  • Do I really NEED it?
  • Is it in the budget?
  • Is shipping free?
  • Is this item worth paying for shipping?
  • If it's not in the budget, will I be thinking about it next week if I don't get it?
  • If it's not in the budget, is the deal of a lifetime that I will never see again?
The rule about breaking the budget is, if you're still going to be thinking about it next week, get it. If you will never see a price this low again, get it even if it's over budget. Other than that, put it back. You don't need it. Next week, you may see something you like even better and will be glad you held off the first go around.

You have to have money in the bank to live a Fancy Life, so keep it there. Always look for a bargain. When you go shopping, grab everything you like because it may not be available if you change your mind. Stay within your budget, unless you think that item will be haunting you forever if you don't get it. Things come and go. Don't break the bank acquiring them.

Until next time. Enjoy your Fancy Life...within your budget!

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