{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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{Monday Motivation} Rich vs. Broke

Rich vs copy

Today’s #MondayMotivation will hopefully inspire your thought process.  It is so hard to get caught in stuff….consuming “stuff”, showing off “stuff”, and being wasteful with “stuff”.  If you spend like you are wealthy, you will never be wealthy because you spent it all.  Instead of “acting” rich, why don’t you make positive changes to actually get to that status.  Like the word freedom, the word rich has so  definitions.  Remember, rich doesn’t always have to describe someone’s financial state.   I motivate you to  act broke with your spending and be rich in the things that really matter…like people and experiences that….FEED-THE-SOUL. Take this week and do things that make you feel like your best you.  Wishing you a great start to your week!

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{Week 12} 52 Week BINGO Money Challenge

Coins of KnowledgeHello Lovelies! I must say, this month is flying by. I am staying steadfast with my progress on the 52 Week BINGO Money Challenge, presented by shemakescents.com.  I crossed off $12.00 on my BINGO money sheet.  Last mentioned in week 11, I am redirecting money this month in preparation for another money goal.  That being said, I have crossed off some of the lower numbers this month.  This thing I love about this version of the challenge is that I can adjust my savings based off of my current goals and progress.  I started this year’s challenge with over $5,000.00 is credit card debt and I am down to $2650.00.  Sometimes I feel like that number is moving slowly; however, I have refused to get discouraged.

cropped-logo-twitter2014.jpgWhat is Keeping YOU Motivated?

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{Every Woman Should Know} How To Jump A Car

I had to learn how to “jump” a car out of necessity. It was a reactive skill because for months, my then new Mercedes C-Class had major battery drainage issues. Instead of being a damsel in distress, I became the type of woman who could jump a car in 4 ½ stilettos thanks to my Dad and the Mr. Let’s be honest, what’s the good in keeping jumper cables in your trunk for emergencies if you don’t know how to use them? I remember years ago having to jump my car from my friends Mercedes SUV. Her instinct was to call AAA because she was sure I was going to blow up her truck. We both drove off happy and inspired. I was happy to be on the road again and watching me doing it for myself inspired her because she had always depended on others in situations like.

Check out this super easy chart as a refresher for a skill “Every Woman Should KnowSMC- Jump A Car

What Was The 1st Car You Ever Had?

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{50/20/30} Beginner’s Guide To Saving, Spending, & Living Life

I always say that every financial rules may not work for you and your financial situation.  No one can tell you exactly what amount to save, what amount to spend, and how exactly you should invest; however, when people find something that works…you should find a way to make it work for you.

Currency in envelope

Three percentages that may change the way you live, spend, and save are the 50-20-30 rule, as explained by the good folks over at Forbes.

Check it out!



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{Splurge or Save} Christian Louboutin Nail Polish


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Anyone who knows me personally, knows that I have an affinity toward nail polish. The Mr. once described my behavior in a Sephora on the Las Vegas strip as a “lioness approaching her prey”. With that being said, I have tried it all and I must say, nail polish should not be a splurge. Take the Christian Louboutin nail lacquer that was released yesterday. For $50.00 a bottle, that is smaller than the average nail polish bottle I might add, what are you getting?- A nice rouge polish that can be replicated with OPI or even NYX polish (which is becoming my new favorite because of how long it lasts). You see, you are paying for a name, cool branding with the spiked top, and for people to see you wearing Christian Louboutin. But unlike his shoes, which can be readily identified by their distinctive red bottoms, no one is going to recognize your Rouge Louboutin polish. Think about it like this, 12 bottles of polish could buy you a pair of Louboutin heels…which I would consider a better investment, by far.  

Splurge or Save? : SAVE

Danielle

cropped-logo-twitter2014.jpgWould you spend $50.00 for nail polish?

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{Living Paycheck to Paycheck} Are You Working for the Weekend or Living for Payday?

She Makes Cents

{Money Challenge Remix} How to Save $1300+ On Any Budget

Click here for the updated 2016 version!

Okay, so we are just 3 weeks in and I started falling behind for my 52 week money challenge. I decided at the start of week one to try this challenge in reverse. That means I will be saving more money at the beginning of the year and less the closer we get to the holiday season. In my mind, this worked well. In reality, it could work well. So far, though, my results haven’t been all that great and the fact that the fiscal cliff has chopped a chuck out of my check, hasn’t helped. I thought to myself…”Danielle, how can you find a way to honor the challenge in a way that will not hurt you financially?”  Then I came up with the idea to create a “bingo” style format.  At the end of the year, I would still end up with the same amount of $1378 and if I am having a tough financial week, I can pick a lower amount to save.  I crossed off 52 on week one, and I will cross of 5 and 4 to represent weeks two and three.  I decided to share this to maybe motivate someone who may have been thinking about “giving up”. 

52 Week Money Challenge from She Makes Cents

{What’s Your Preference} Numerical Order, Reverse, or Bingo Style?

Email me if you want my handy Bingo Style Sheet!

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A Government Shutdown Could Mean No Tax Refund for You

Within a matter of days, we will know the fate of the looming government shutdown. At this point, it is not an issue of black or white, Democrat or Republican, cow or pig (Grey’s Anatomy reference); it simply comes down to money and everyone will be affected in some way. If an agreement is not reached by Friday at midnight, the government will halt all “non essential” services which could last a few hours or weeks. People will be laid off. Medical clinical trials will not admit new patients. Federal home loan guarantees will be withheld. The Cherry Blossom Festival will be cancelled. Passport applications will go unprocessed. If that isn’t enough, federal refund and tax returns by paper filers will not be processed. If you haven’t eFiled before, this is the year to do it! And guess what, your returns are still due by April 18, 2011 (April 15th is a holiday). Remember, nothing is definite, but I believe it is always better to be over prepared than under prepared.
Some Services That Will Continue
 

  • Postal Services
  • Police
  • Fire Fighters
  • Armed Forces
  • Utilities

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