{Derby Fashions} Does Looking Good + Feeling Good = Spending Money?

A few weeks ago I was low key stressing about Derby Fashion….I know, it’s just the Derby and people have real problems, but when I don’t look good, I don’t feel good.  I wasn’t even planning on attending until the very last minute so things became a mad dash for me to find the a complete get up, including the dress, cute wedges for the grass, and of course, the hat!  The Mr. and I were here, there, and everywhere and I even employed the help of my mom in the search for the perfect hat.  I was swiping left and right (my bank cards not Tender) when it hit me…Danielle, you have hit one of your shopping triggers.  In the past few years I have noticed that I tend to spend more when I feel something is “lacking” in my appearance.  I will over shop when I probably didn’t need to as a way to try to correct something that may be off in my life.  On the second day of running around Atlanta I forced myself to just stop and really think about what is currently in my closet.  This is after the Mr. treated me to a very cute new dress and I bought new shoes.  I was out looking for THE HAT when I thought about switching things up.  Actually, it was after I saw this picture that I began to rethink my entire approach:

Derby Fashion

My original plan was to go traditional Derby in a more dressed up way, but I loved how pretty and comfortable she looked (no comment on her Beau). “Oh wait”, light bulb moment, “I have a very similar dress in my closet”….but still no hat.  In my final half hour of stress before we had to leave, I told myself that whatever hat I found, be it for the dress we bought or the dress I have, would dictate my Derby look.   Fed up and feeling a little defeated, I went to one final store and found a hat.  We attended Atlanta’s version of the Kentucky Derby and had a blast with new and old friends.

Check It Out!

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Through the experience I learned that I have to start making time to take better care of myself, that way I don’t have to get ready, I will stay ready.  I learned from a mix of packing up my closet for the big  move (another post for another day), that it is time for me to reinvest in my wardrobe.  At (insert cough here) 30 years old,  I shouldn’t be trying to wear the same staples from college.  My style has evolved and so has my body.  I also learned that along the line, I had replaced an updated wardrobe with things to make my new house a home.  I was a girl with a closet full of clothes with nothing to wear because I had not taken the time to properly edit, purge, and organize.   For Derby Day, I wore a dress from my own closet, shoes I already had, and a hat that, unlike the more traditional style, I could see myself wearing again.  After I complete my Edit, Purge, Organize, which I will blog my way through, I will be able to make better decisions like that in the future.  

Editors Note: I took the new shoes back because they worked for the new dress but weren’t really my style.  With that money, I bought six new classic wardrobe must haves.  Special thanks to Event Rentals Unlimited for VIP access to the beautiful air conditioned glass tent!  

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{Reader Success Story} A Shockingly Easy Way to Save Money for Fun

In my posts on this site, I share my progress toward financial freedom sort of like a diary to the world.   Sometimes the stories reveal  my failures and the things I learned from the experience so you don’t make the same mistakes.  More often than not, my stories are transparent accounts of gained confidence in regards to my financial literacy.    Every week, I have diligently crossed off numbers on the 52 Week BINGO Money Sheet and I update you on how those funds are being used. As of week 15, I have saved $590.00 extra dollars that I have put toward my credit card debt.  I am proud of myself but I am equally proud to know I haven’t been on this journey by myself. This week, I wanted to shift the focus off me and begin to  share the stories of other smart women who are kicking debt’s butt and redefining the “fab life” for themselves.  Our very first reader’s profile is from Alysa T., a 28 year Marketing and Communications Manager out of Washington, D.C.  A friend referred Alysa to shemakescents.com about 3 years ago and interestingly enough, the BINGO Money Challenge was the first article that she read.Alysa copy

When asked why she decided to join the challenge, Alysa explained, ” It’s a very simple and kind of fun way to put aside a little extra money each year! I think checking off all the boxes appeals to my organizational side too.  This year I’m putting [my savings] towards a vacation.  I am recently SCUBA certified and want to explore the underwater world more! It is awesome to know that she is using the money saved for things that (if you follow the blog, you already know what I am going to say) FEED-HER-SOUL!   Over the past few years, Alysa has become more than a loyal reader.  She is my Twitter pen-pal/accountability partner who sometimes sends me her progress updates before I have the chance to check-in.  I  LOVE THAT!  I love knowing that we are on this journey together.  “In past years”, Alysa reveals,  “I used it for a new computer and a down payment on a car”.  

SMC Reader- Alysa T copyThe journey towards financial freedom isn’t a easy one…if it was, no one would have debt and everyone would be building wealth.  Alysa’s  biggest financial goal is to get her emergency fund to a healthy level so she can put more savings towards fun things.  I’d say with a savings of $515.00 year to date, she is well on her way.cropped-logo-twitter2014.jpg

How Much Have You Saved on the BINGO Money Challenge?  Share Below


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{February Recap} 52 Week BINGO Money Challenge

Happy Saturday Lovelies!  I was about to do my regular weekly  update when I realized that the month of February is technically over (based on our BINGO schedule).   Oh how the time flies.  This week I crossed off $25.00 on the shemakescents BINGO money sheet.  Looking at my numbers, I was definitely able to save more in January than I was this month.  I am very proud of my progress and commitment  to this challenge and I am so very proud of those on this challenge with me.  I have heard inspiring stories from college students, mothers, couples, and career millennials.  This reveals to me that this challenge is helpful and fun for a diverse group of people.  My goal for March is to exceed the savings from January (the month  to beat). Since March 1st marks the 5th year anniversary for shemakescents.com I want to do it big!!

52 Week Challenge

Recap By The Numbers

January- $286.00

February- by the weeks

Year to Date Total: $396.00

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{Friday Ramble} One Reason He Hasn’t Put A Ring On It!

The Ring Didn’t Mean A Thing!

She Makes CentsI wonder does former Real Housewives of Atlanta, Kim Zolciak, still think that after she got hers two years ago? In fact, he put a ring on it after she stopped living off someone else and started bringing in the big bucks from Bravo. My inspiration for this post, however hits a little closer to home as it comes from a girl talk with a girlfriend of mine…let’s call her “Christine” for anonymity sake. Christine and I were catching up the other day laughing at a prediction gone wrong. You see, at the beginning of last years, either she or I made the prediction that her boyfriend would pop the question in 2012. During our girl talk, she revealed that she asked her boyfriend the money and relationship questions discussed in the post 5 Financial Questions you Should Ask Your Significant Other Today to  open up lines of communication about money and their future as a couple.  Our conversation then led to people who lie about their finances to a significant other.
Sure, like Christine, you and your boyfriend could have talked about marriage, but that doesn’t mean he has been secretly studying up on Tacori, now does it? If being engaged in a certain period was a similar goal and that didn’t happen, let’s examine one major possibility… a.k.a. your financial situation.  While I am very open about my personal financial situation with you (SMC readers), my family, and the Mr., I know that everyone is not so comfortable talking about money. Many people were raised to think that frankly, discussions of money are just plain rude. Although I must agree with financial journalist, Jean Chatzy, who advised in article for the Winter 2013 edition of Martha Stewart Weddings that you should “never STOP talking about money”. People list money as the top reason they fight and they confess hiding financial information from their spouse, but if you are planning on a successful marriage and not just a wedding, then you should be able to talk about anything- especially money!

Things to Consider:

her money piggy bank

Know You Before He Can Know You.  This is the epitome of money and relationship advice.  On the financial side, you can’t share accurate information about your finances, if you don’t know your current situation.  Check your credit score.  Keep track of your debt.  He can’t know your debt until you know it, just like he can’t fully know you until you know yourself.
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Be Open.  You may be fluent in your love language, but how is your financial fluency?  One thing I had to learn with the Mr. is to truly engage in communication you have to be willing to talk as much as you listen.  Give as much as you ask and be prepared to hear things you may not like.  Relationships thrive on open lines of communication.  Again, if you plan on jumping the broom, you have to be ready to talk about everything, including those stupid financial decisions you made in your early 20s that you are still paying for…literally.
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Great Expectations. The 6 carat dream on the .25 carat budget.  I have another friend whose boyfriend told her, he was not proposing to her because he couldn’t afford the rings she was pinning on Pinterest.  Does she really expect a celebrity ring? No. Does her boyfriend have a point?  Yes…well, maybe.  Yes, he has a point because he doesn’t want to disappoint you.  Maybe, because Pinterest is like an online vision board of awesomeness where you group images that you like that lead to articles that you love (follow SMC on Pinterest).  Why not pin pretty things?

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Tick Tock, Gotta Beat the Clock.  I’ve heard women say, including myself, that they want to be engaged to be married by [insert date/age here].  For many, the race is more so against the clock than against the Joneses.  How many of you put a similar emphasis on paying off student loans, credit card debt, protecting your investments, or living debt free? Maybe he is not ready. Maybe you both aren’t ready as you think you are. I will say that you need to make sure your ducks are in a row. Wouldn’t it be lovely, when the time comes, to go into a marriage with no financial surprises. In my opinion, that is WAY better than a ring…but that’s just my two cents.

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