Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Friday, February 20, 2009

A New Way to "Shop for Free" in Catalogs

I love catalogs.

I think it goes back to my childhood when my brother and I would earmark every page we liked from the fat Sears Roebuck catalog that came out before Christmas every year, hoping someone would get the hint. I'd even give myself an imaginary spending limit and spend hours using up that money, over and over...but that's another story...and set of issues...

But nowadays, Santa is not bringing us our wishlist, and even fantasizing about doing any shopping seems masochistic or dangerous.

So should we throw away the catalogs and stay off the internet?

Not necessarily. Not if you can train yourself to use catalogs in a completely different way.

I still pour over catalogs and magazines, tearing out pages and circling my favorites- but never with the intent of spending a dime. I use them to help me put together outfits, furniture arrangements, and decorating focal points using the things I already own.

Here are some special secrets I've found to making it easy, fun, and instantly gratifying:
  • In furniture catalogs, look at what's on the furniture rather than the furniture itself - it's what makes the peice look so great to begin with! The "merchandising" done by the catalog's designers can quickly and easily be copied using what you already own. Your creation doesn't have to match exactly- the main thing is to use items that are the same scale as the ones in the picture.

  • If you're dying to update your wardrobe, tear out 5 pictures of great outfits (not individual dresses- that won't work for this) and tape them around the periphery of your bedroom mirror. Next time you have an extra minute to get dressed, try to find that ensemble in your closet. I bet it's there.

  • Concentrate on how models and movie stars are wearing their clothes, not what they are wearing. Are jeans inside or outside the boots? Are bags over the shoulder or worn diagonal? Belts high or low? What colors are being thrown together this year? All of this can be mimicked instantly.

  • Look for pictures of things you already own - then study why they look good. Do you need to add a belt? Put a plant on that table? Rearrange the chairs? Change the shoes? If it's good enough for a magazine, it can look great on you or in your house.

Catalogs and magazines can truly be wonderful resources in giving you the "fix" you're craving when it's impossible (or at least unwise) to go on a shopping spree. AND, if you follow this formula, you may find out that you like, and use, the stuff you already have a lot more than you did before.


Wednesday, February 18, 2009

"Cheapness" vs. "Wastelessness"

Many a well-meaning friend has teased me about being "cheap". I've heard it all. A few say it with more respect in their voices than others, but in general, the spending habits of our family have been a source of amusement for years. I play along and smile and don't apologize for any of it, of course.

Except that I completely disagree with them. I am not "cheap" at all, and feel that this word has a dangerous connotation that will keep many of us away from wise spending habits in an effort to simply avoid that label.

I am simply unwasteful with my money. There's an important difference.

Cheapness affects others in a negative way. Cheap people allow others to pick up the tab, produce inferior goods, and don't share. Cheap people also cheat themselves of true quality when it presents itself.

I never mind paying top dollar for something when it is worth it. And sometimes, it is. Friends were flabergasted when we paid $400 for the perfect jogging stroller, went on a Disney cruise, and took the family skiing in Aspen. These things were important to us, we had the money for them, and there was no leaner substitute that would suffice. These purchases were not a waste.

I can also share. In fact, one of the main reasons that I refuse to waste money is that if I do, then I can't give as much away to the many worthy causes so desperate for our help nowadays. I still need to give more than I do, so I need to find more ways to cut waste.

The list of things that I will not spend money on is too long for one blog- that list will keep me going for years here.

But here's the imporant thing: I am not depriving myself - or my family or friends - of anything by not spending on these things. Quite the opposite- I am saving myself the aggravation, emptiness, and worry that comes from using up resources on things that are just not worth it.

And what's a complete waste for me may be a justifiable necessity or worthy splurge for you, and vice versa.

Take restaurants, in my case. You may love taking your kids out, but it is not a "treat" for me to take my kids to a restaurant- they're too loud (my kids, that is). My husband and I don't enjoy hiring a sitter to go out to a restaurant by ourselves, either, because we know if we just waited an extra hour to eat, our kids can be asleep and we can enjoy a nice date without spending an extra dime. If we want to go nuts, we order takeout.

It's all in the attitude.

We as a society need to stop feeling deprived if we don't have the same "fat" in our budget as our neighbors around us- neighbors who are very likely unable to sleep at night due to the size of their credit card balances and second mortgages.

And for those of us slashing our budgets, voluntarily or otherwise, in order to tackle those things keeping us awake at night, we need to see our new lifestyle for what it is- simply leaner and less wasteful, not "less" of anything of value.

Did anyone who ever lost weight ever see it as a "loss"?

-The Wasteless Mom