Posts Tagged: finances

Reader Request: How to Work Well with Salespeople

Lovely reader Cat left this request in a comment:

I’d love to hear your take on shopping and sales-people … more specifically, how to deal/interact with them. How to not feel guilty or beholden and buy stuff you don’t need because you don’t want the sales person who helped you to feel bad, how to make good use of their talents and services, how to say “no,” how to say “later,” etc., etc.

Do you ever feel these pressures? With your mad shopping skills, I thought you might have some insight/tips. read more

Originally posted 2011-11-01 06:15:22.

How to Splurge Responsibly

how to shop splurge responsibly

The word “splurge” may call to mind a large, unplanned, impulse buy, and many splurges may occur under those circumstances. But splurges can be planned, prepared for, and worked into your spending plan. Let’s look at how:

Research

If you’ve decided that a Valentino dress needs to join your wardrobe, do loads of research on available styles, materials, colors, sizing variations, possible outlets for purchase, and return policies. Then evaluate when, how often, and with which accessories you’d wear the dress. Think carefully about how your purchase will be used. Often times, the item that sparks your initial feelings of object lust – be it a frock, handbag, piece of jewelery, or pair of shoes – may not actually work for your wardrobe, figure, or dressing needs. A splurge needn’t be an item that sucks loads of money out of your bank account, then languishes unworn. Do your research first. read more

Originally posted 2012-01-12 06:15:12.

Reader Request: How Much Should You Invest in Your Wardrobe?

How much should you spend on your wardrobe?

Readers Lynn and Ruby asked:

Lynn: How much spending on clothes is appropriate? I think it certainly depends on one’s budget and income, but what about conscience? I spend somewhere between $150 and $200 a month, I feel guilty as my son and husband spend close to nothing on their clothes. My income is high, I can easily afford $150 a month, but I still feel that this is almost too much.

Ruby: I agree – I’d love to know your thoughts on an appropriate clothing budget as a percentage of your income, for example. If you make $25K, how much should you reserve for clothes/shoes/accessories? $50K? $100K? How should that change if you’re in a professional job and need to wear suits (as I am), or if you wear scrubs, etc. to work every day? I know I’m spending far too little on my wardrobe, but I have no idea how much I should be spending. read more

Originally posted 2011-07-01 06:05:22.