Everyday something new comes to the market: fashion clothes, crazy knee high socks, straw beach bags, gadgets and unending gift ideas for girls. Fashion, for instance, changes regularly. You see artist and models wearing new clothes in magazines and TVs every day. What could be beautiful now could be totally off by the next month. And yet, we ladies can’t help but shop for these things. However, as we crazily pursue for the newest trend, we might end up chasing out our credit cards. Here are some things we could do to stay fashionably beautiful and still go home with a happy wallet.
Apply for a Secured Credit Card
Using a credit card is tempting when you know that your credit limit is high. Unfortunately, some of us may not notice that our spending is already reaching more than what we could afford to pay. That is why using a secured credit card could be of great help to get back on track. These cards function just like a debit card where you have to deposit first before spending. The difference is that it sends a credit report to the “major credit bureaus”, like a normal credit card would. Thus, you get to rebuild your credit record. Now that’s a triple hit!
- You control your spending
- You restore your credit reputation, and
- You get to shop! But more wisely this time.
Keep on saving
Accept the fact that you are not as capable of buying too much. Stop the impulse buying. Even if your ultimate favorite boutique is on sale, don’t just put on your shoes and go running for that designer clothe. Try to check cheaper items. Looking gorgeous need not be too expensive. Besides, you wouldn’t want to just look glamorous in front of your friends when you know that you can’t even buy yourself a drink, right?
Make sure to allot a portion of your income to your savings. Spend only on things that are essential to your daily living. Know “how to budget”. If you can’t help but buy clothes, try visiting a thrift store. Some outfit there are worth checking for. Or you could probably scavenge your closet for something that you can remake. There are lots of ways to save. Just be dedicated about it. As of now may you still can’t spend too much on luxury, but maybe in the future, you can start buying what you want again. By then, I do hope you don’t go back to old habits.
If you finally get the hang of saving instead of shopping, you could put your money to better use. Save for a business, for your insurance, or for retirement. Find a financial adviser to help you decide on that. Remember that the money you save now will take you a long way tomorrow.
Your Own Designer Style
Let’s say your outfit before, from the top of your hair to the tip of your toe, is full package designer clothes. Now, try settling for one designer piece, and match it with some inexpensive attire. Designer clothes are definitely beautiful, and pairing it with non-designer ones will not make it any less gorgeous. It will shine anyhow. So, try on your previously brought set of accessory with a dress from the discount section. Be creative. You would still be stunning for sure.
Or better yet, why not learn to make your own outfit? The cost of buying the materials will surely be lower than a ready-made clothes. Try practicing doing stitches during your free time. It might also keep you busy enough to forget the urge of heading to the mall.
When you made it out successfully, reward yourself a little. Set a certain amount as your savings goal. And when you reach it, get yourself one designer clothes, shoes or bag. Make this a motivation. Just see to it that you don’t use the whole savings you kept.
Start working yourself back to the financially stable you.