Tag Archives: Frugal Living

How to Buy and Dress in Business Clothes for Less

imageEveryone knows that buying business and dress clothes can be expensive. When I was about to graduate from college and start looking for my first ‘real job’ I only had one day to get a suit and business dress outfit appropriate for a job fair. My sister, who is also my fashion consultant, took me to the mall and several other department stores and here is what I got-

– $45 for my suit jacket (My friends assure me this was a bargain) from Kohl’s
– $10 for a dress shirt on clearance from H&M
– $20 for a pencil skirt on clearance from Express
– $5 for nylons from Target
– $15 for clearance dress shoes from Target
– $7 conservative earrings from Claire’s
Total- $102

I don’t think I did badly on this trip because I did need the items right away, we did find some great clearance deals on name brands, and everything we got was such great quality I still wear these items today (minus the nylons). A woman from the FBI actually stopped me and wanted to know where I got my suit jacket- it’s stylish and professional looking. When I explained to a friend what I spent on my suit jacket (thinking it was a lot) she was shocked saying she had spent more than $200 on her suit jacket alone. Apparently my outfit worked because I did get my first full time job. Knowing I was going to need to wear business dress clothes 5 days a week at work I realized that my clothing budget could quickly get out of hand. So while I don’t think that I overspent by any means, my frugal side is always asking “Can I get it for cheaper?”

The answer is yes! I have now learned a LOT of ways to save on dress clothes that I didn’t know as a person who had never had to wear real dress clothes before.

1. Shop Clearance Sales- Now is a great time to hit up those mall clearance sales! Here in Florida, clothes that are conservative enough to wear as dress clothes sometimes fall into the category of winter clothes  and many are on sale right now! See the dresses I got below for $5 and $10.

2. Shop Second Hand for Name Brands- You CAN shop second hand and still look expensive! On all of the dress shirts in the above picture I only spent between .25¢ and $2 and they are name brands like Express, New York and Company, American Eagle, Ralph Lauren, etc. Some of them would cost as much as $60 brand new. Most of these items are from thrift shops but the black sweater was only .25¢ at a yard sale and looks new.

3. Know Your Size in Good Brands– This is something that could take a while but I have found that dress clothes sizes in certain brands don’t fluctuate as much as normal clothing. I know that a size Small dress shirt from New York & Company will fit me without trying it on. This saves a lot of time especially at thrift shops where they don’t always have fitting rooms.

4. Find Stores that Sell Basics Pieces for Cheap– I know that Wet Seal in the mall carries cute, fitted, black dress pants for around $20 and I know they sell them in ‘Short’ length. It isn’t worth it for me to buy dress pants and then take the time and energy to get them hemmed. Especially when I know I can go to Wet Seal and buy a pair that already fits correctly for $20.

5. Stock Up– You probably already stock up on good deals on household items so why wouldn’t you stock up on clothes you will need to buy down the road anyways? I no longer work full time but I will be starting my teaching job in a few months. I realize that I will have to buy dress clothes regardless of if I find them on sale for really cheap this summer or if I wait until right before my job starts and have to pay full price.

6. Buy Good Basic Pieces– You will probably need a black suit jacket, a pair of black dress pants, a black skirt and some basic button up shirts. These are all versatile pieces that you can mix and match with a lot of outfits. They will never go out of style and if you invest in quality garments you will have them for a really, really long time. Quality doesn’t always mean expensive. If I buy a New York & Company shirt for $2 at a thrift store it is still the same quality as if I paid $60 for it at the store.

7. Shop In Your Closet- What do you already own that can be used as office wear? When I was working full time I found a great pair of black heels that I had bought for $15 but then never worn because they were a little too conservative for going out but they were great for the office. I also had a pair of tan pants that I used to wear hostessing at a restaurant that were great for casual days. Yesterday, I realized that I have a floral print dress that would be appropriate for teaching.

8. Buy Pieces that You Can Mix and Match– Buy tops and bottoms that you can mix and match to make new outfits. You won’t look like you are wearing the same clothes all the time when you wear them in different combinations.

9. Take Pictures of Outfits- If you find a cute top and bottom that go well together take a picture. It will help you to pick out cute clothes when are half asleep in the morning. You can print them out or keep them in a folder on your computer or phone.

10. Don’t Forget Your Accessories- Accessorizing an outfit differently can make it look completely different. Add scarves, belts, or necklaces to give your look a new twist.

11. Winter Clothes Can Sometime Work as Dress Clothes– Here in Florida most people have summer clothes and winter clothes. My winter clothes are in a box in storage for most of the year. However, sometimes winter clothes can work well as office dress clothes because they tend to be a little more conservative.

12. Think Comfortable– If you want to buy something and it isn’t comfortable think twice. Most of the time you will be wearing dress clothes for an 8 or 9 hour work day so if something isn’t comfortable you probably won’t end up wearing it.

13. Know Where to Spend Your Money– I will spend a little more for a piece that I will be able to wear often like a suit jacket or pencil skirt. I won’t spend that a lot on a patterned dress because like the ones below because I know I won’t be able to wear them as much.

14. Use Discounts and Coupons– Students and Seniors receive 10% off at Goodwill. If you have a Target debit card you receive 5% off. My mother works at Target so she receives an additional 10% off. Stores like Bells and Kohls often give out $5 or $10 off coupons. Look for coupons from your favorite stores in the Sunday paper before you shop. Every little bit helps.

15. Don’t rule out the juniors or kids departments– They are usually cheaper and often have more conservative cuts. I was able to buy a comfortable, grey, longish suit jacket form the kids department for $20 in a size large. It’s comfortable and goes with a lot of outfits.

16. Don’t buy everything in one day– The less time you have to purchase your dress clothes the more you will spend. If you have the time it always helps to wait for sales, use coupons and look at second hand store which can all be hit or miss if you only look once.

17. Can you buy it online for cheaper?– Sometimes I find pieces that I love but at prices I don’t. One tip I have learned is to look on eBay or Amazon for the same piece at a much lower price or even at the same store’s online shop that might have a coupon code or sale the physical store doesn’t.

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This suit jacket is the same brand and fit as the black one I paid $45 for at Kohls. Only this one I found a week later for $3.50 in grey. The picture doesn’t do it justice because it’s actually a really cute pinstripe.

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I paid $5.50 for this short, cute, black jacket. It’s a little more casual than my regular suit jacket and I like it because I can mix things up, not always having to wear the same jacket. These two jackets provide me with a variety that I wouldn’t have without a huge price tag if I bought all of my suit jackets for $50 to $100 each.

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I will need some cooler yet conservative dress clothes in the fall when I start teaching. The college campus I will be working on is very large so it requires a lot of walking, not to mention it will be 90 degree Florida weather that doesn’t usually go well with dress pants and a suit jacket. So I was excited when I stumbled across some cute dresses that I can wear with a lighter suit jacket. This dress was $5 on sale at Cotton On this week.

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This dress was $10 on sale at Cotton On this week.

Knowing that I am going to need dress clothes in the next few months has allowed me the time I need to purchase quality business clothes for less. I’m really excited to wear my expensive looking dress clothes because I’m the only one who needs to know that they weren’t.

What do you do to save money on business dress clothes?

Thank You Amazon.com!

amazonlogoLast night I accidentally purchased an e-book through Amazon.com’s one click ordering. It only cost $5 and it came out of my gift card balance so I wasn’t too upset but I had been saving up to buy something and $5 is $5. I ended up calling them today and very quickly and easily they reimbursed the $5 to my account. Score! Minimum wage here is less than $8 an hour so the less than 5 mins of my time to make that phone call for $5 was definitely worth it.

If you are interested in finding out how I get free amazon.com gift cards through Swagbucks.com click HERE- Why I Print My Coupons Through Swagbucks. Or click the banner below to join!

I'm a Swagbucks Influencer - Start Earning Now

4-22-13 Recent Free In The Mail

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I’ve gotten some fun and useful freebies in the mail recently. I stick them in a box in my office and then once I get enough I post a picture to share.

– Free Walgreens Happy Healthy Magazine with Coupons

– Playtex Sample Pack

– A Sample of Centrum Flavor Burst Vitamins and Coupon

– A Free Gillette Fusion ProGlide Razor

– A Couple of Nescafe Samples and a Coupon

– And I can’t forget about winning a FREE $100 Publix Gift Card

imageI also received a free “Have You Tried This Yet?” Sample Pack from P&G. It came with-

– A Free Coupon Booklet

– A Sample of Crest 3D white Toothpaste

– Two different Tide Samples

– And a Downy Sample

 

These are all fun things for us to try or use in our home. If I don’t think that I will use something I make sure to get it to someone who will use it.

Saw It On Pinterest and Tried It- Label Your Power Strip for Free

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So I saw this idea on Pinterest and was reminded that I wanted to try it. I believe I may have read it in The Tightwad Gazette before Pinterest ever existed. In any case, the idea is to take old bread ties and use them to label your power strips. At the time I tried this I had very little plugged in but it still worked really well. Even when I unplugged and replugged certain items the tags stayed on. This motivates me to try even more of the fun ideas I see on Pinterest.

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To see even more fun and frugal ideas click the logo below and…
followmeonpinterest

$1 Helium Balloons From Dollar Tree

imageYou might think I’m joking but I live by the shark bite capital of the world and our friend was just bit by a shark. He is a surfer and was the first shark bite of the year. Since he’s going to be okay we got him a balloon with a shark attached as a Get Well Soon gift!

My favorite place to buy helium balloons for special occasions is Dollar Tree. They only cost $1 and they last a really long time. I don’t see the point in spending more than $1 on something that will eventually be thrown away.

Free Fun- Free Cookies From The Petstore

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Our baby Dumbo rats, Olive and Ash, love their free flower cookies from the pet store. 🙂

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Local Central FL Deals- Deltona Spring Fest Flea Market

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deltonaspringfest Deltona Spring Fest is having a Flea Market. It will be in the Deltona Plaza parking lot on Deltona Blvd. It’s Saturday April 20th from 10-5pm. Click HERE to visit their website for more information. Proceeds benefit Deltona Against Bullying.

FREE Samarai Surf and Turf at Panda Express- April 17th Only

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Panda Express is offering a FREE serving of its new Samarai Surf and Turf on 4/17/13. Print the coupon or show it on your mobile device.

Search for Coupons Before You Shop

imageRecently my sister needed to buy more of her Revlon face makeup and we knew we were shopping at Target. So she asked me to check if I had any coupons that would work. I quickly pulled up a coupon database and typed in Revlon. Luckily, I found a $2 off manufacture coupon and even better I found a $3 off store coupon for a total of $5 off of something she was already going to buy! Not bad for 2 minutes worth of work. Minimum wage for an hour isn’t much more than that.

Sometimes taking a minute to stop and search for coupons for something you need to buy anyways can really save you money. So before you head to the store next time to buy X-item that you need, you might want to take a minute to look for a coupon or two.

Here are some links to some coupons databases that you can use-

Southern Savers Coupon Database

Money Saving Mom Coupon Database

Hip 2 Save Coupon Database

Couponers United Coupon Database

 

Over 60 Things We Usually Don’t Spend Money On and A Few Things We Do

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If I need or want something there is nothing I like better than finding a way to get it for free! That being said here are many of the things we don’t pay for. If we can do it or make it ourselves we do and I’m proud of that. It isn’t always easy but it’s definitely worth it financially.

When BudgetsAreSexy posted an article on this recently I realized that I had written an article on the same subject a loooonnnnnngggg time ago and never published it. So with a lot of revisions, here it is.

Things We Usually Don’t Pay For

1. Haircuts– My aunt went to beauty school and she cuts my family’s hair for free. We return the favor in other ways. My father and B cut their own hair using men’s hair cutting razor kits. If you don’t know someone who cuts hair/aren’t adventurous enough to do it yourself many beauty schools will cut hair for free/cheap.

2. Most Toiletries– I do not pay for shampoo, conditioner, razors, body wash, dish soap, and some makeup because I get these products for free through couponing.

3. Most Cleaning Products– Once again I so many cleaning products for free through couponing I never have to buy them anymore. I also find that soap, water and a rag work just as well as many cleaning products.

4. Paper Towels– I use washcloths and hand towels instead of paper towels and I use reusable napkins and plastic cups instead of disposable ones. This is also a green idea and cuts back on the amount of trash my household produces. See- Making Rags to Use Instead of Paper Towels or See- Use This Not That Paper Towels

5. Paper Napkins– We use reusable cloth napkins, most of which were given to us as a gift. See- 30 Ways to Save Money In Your Kitchen

6. Paper Cups and Plates– We use the real thing and then our dishwasher See- Frugal Reflections and Dishwashers

7. Plastic Silverware– Again we use the real thing

8. Car Washes– I think it would be great to have someone else wash my car but I would never want to pay for it. Drive through car washes are cheaper but still more expensive than doing it yourself. I got a car wash kit for one Christmas and it works just fine. Plus I tell myself it’s good exercise. Ways to get them for free- There is a local place that offers free car washes with an oil change and also the Mercury dealership that my father goes to offers free car washes for Mercury vehicles.

9. Take Out Coffee– Who hasn’t read an article on this? Making coffee every morning for two people like my boyfriend B and I do (I can usually get the coffee and flavored creamer for free/almost free) can save up to $4 a day or $1,460 a year and that’s a low estimate. See- What to Do When You Run Out of Coffee Filters

10. A Home Phone– Who needs one when you have cell phones? Note- Check with your internet provider, many have changed the rules so that you no longer need a home phone line in order to have an internet connection.

11. Trash Pickup– My old apartment complex offered trash pickup for $35 dollars a month ($420 per yr) and instead we drove our trash to the trash compactor on our way out of the complex.

12. Magazines– My mom, sister and aunt all buy them and they all give them to me after they finish with them. I also get free magazines off of the internet and a parade magazine in the Sunday paper.  See- Why I don’t pay for Magazines

13. New Books– I do actually buy used books when I find them for dirt cheap; however, I am including them on the list because you can get them from the library for free. Many libraries now allow you to reserve books and movies online and then pick them up when they arrive (My local library will mail them right to your house). See- How You Can Save 100% at Any Bookstore

14. DVDs– They can be borrowed, you can get them free from the library, I get free Redbox rental codes, and we have Netflix. I also watch movies online for free. See- A Free Redbox Code thru May 8th 2013

15. Late fees, overdraft frees, any kind of bank fees– I get paid by my bank to put my money in the bank (as it should be).

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16. Underwear– I get mailed coupons for free expensive underwear at Victoria Secret all the time. If you join their Pink Nation program and e-mail list you will also be e-mailed coupons for free underwear. I have also received free perfume and a $10 gift certificate from them. See- How I Get Free Underwear from Victoria’s Secret

17. Manicures/Pedicure– It costs $18 for a cheap manicure and $35 dollars for a cheap pedicure plus a tip. I have all of the stuff to do professional French manicures/ French pedicures myself and I get compliments all the time because people can’t tell the difference. Plus when I do them myself they actually last longer. See- Six Step Tape French Manicure

18. Plastic Storage Containers- I honestly don’t understand why these are so expensive. For large storage projects you can use cardboard boxes which you can get for free anywhere for the same purpose. In the kitchen, reusing plastic containers that food already comes in will save you from ever having to buy Tupperware of any kind. This is also a green idea because it reduces the amount of plastic that goes into landfills. See- Who Needs Gladware?

19. Health Insurance– My father pays one amount for any dependents and because he is already paying for my brother and sister, I am included until I turn 26 under the new health care laws. I do not even have to live at the same address as he does. Also my new job is going to come with free health insurance Yay! I know this will probably change in the future so I am EXTREMELY grateful.

20. Water– We have a water well so water is free for us.We don’t have a water bill. See- Having a Water Well

21. Music– I refuse to pay to download music. There are legal ways to do it for free and sharing music with friends is also easy. There are also many free music services.

22. Computer Virus/Spyware Protection– My father is a computer expert and even he uses free spyware protection. I use AVG Free Edition and Ad-aware. See- How to Get Virus/Spyware Protection for Free

23. E-mail- Does anyone actually pay for e-mail anymore?

24. Gym Membership– Many apartments have a free gym and students at the University I attended were given a free gym membership. These are expensive and most people end up not using them. I think it would be nice to have and then I ask myself- If I’m not exercising at home, am I really going to go to a gym? See- How I Got a Treadmill for $30

25. Cats and Dogs as Pets– Our childhood dog is a purebred dog that was given to us as a gift. We rescued a Maine Coon cat that ended up in my mother’s back yard and we also have a little yellow cat also rescued from the back yard. I am a huge advocate of rescuing animals instead of paying for them and not contributing to the abuse that goes on in puppy mills. In any case, do your research before you purchase an animal and make sure that it comes from a cruelty free background so your money doesn’t fund more animal abuse. There are many animals that need good homes that don’t cost anything or only cost the minimal fee that a shelter charges and you will be saving a life. We also have a three foot long ball python that was also given to us.

26. Most Pens, Pencils, Highlighters- as a recent college graduate I always got these for free during my college years. Businesses love to give away office supplies. I would go to one college club fair, job fair, or other random fair of some sort and be stocked for the semester. They also often gave me notepads, hand sanitizer, and free food.

27. Wrapping Paper– We can use comics, redecorate the bags they give you at the store, use tissue paper, use the store’s free wrapping etc. It’s the gift that counts not the wrapping. See- Frugal Gift Bags

28. Small Trash Bags– I can’t believe that stores actually sell these. Who doesn’t just use the plastic bags that you get with every purchase you make? Note- we now try to use reusable shopping bags and on the occasions we leave them at home I don’t feel bad because we usually need more small plastic bags at that point

29. Calling 411– Calling 411 can be expensive but it was free through Google. I tried the service and it worked for me. However, when I looked up the number I realized that Google ended their service. Luckily, BING stepped in. The number is 1-800-Bing-411. I’ll keep this in mind but now I usually just use the internet on my smart phone.

30. Filing Taxes– we file our taxes online for free. There are many websites that allow you to do this. See- How I did my taxes for free

31. Most Full Price Movie Tickets– I’m sure many of you love to go to the movies and so do we, but our local theatre started charging $10 a ticket and we think that’s a little extreme. So now we mostly go to free movie screenings with passes that we get due to a connection to a friend. Some of the free movies we’ve seen include The Lovely Bones, Shutter Island, Morning Glory, Sex and Other Drugs, Easy A, Jackass 3D, Zombieland, Fast and Furious, Life as we Know It, Up in the Air and more. There have also been many passes that we have received that we were not able to use. This has saved us hundreds of dollars. If there is a movie that we can’t attend a screening to and still want to see, Tuesdays are 75 cents night at our local $2 theatre. We also bring our own drinks and snacks which I usually get for free couponing. Sometimes companies also offer free movie tickets with a purchase.

32. Paying to Pay Bills– I do not pay to pay my bills, either in fees at bill pay places or in stamps. I set up free online bill pay and it doesn’t cost me a cent more than the bill amount.

33. Ringtones– I used to get them for free from myxer.com. Now most smart phones allow you to set any music as your ring tone for free.

34. Car Payments– Our Cars were bought used with cash! See- Our Experience As A One Car Household

35. Tanning– We live in Florida. Why would I pay to tan when I am lucky enough to live by the beach?

36. Return Address Labels– These always seem to come free in the mail.

37. Weed Killer– I made my own for free and it’s eco-friendly See- Homemade Weed Killer

38. Paid Phone Apps– I haven’t found one yet that didn’t have a free equivalent

39. Warranties– Never needed one past the general manufacturer’s warranties

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40. Pet Houses– We make our own See- DIY Small Pet Houses

41. Salon Beauty Treatments– We do our own home beauty treatments

42. Premade Pizza Dough– We like to make homemade pizzas. I used to knead the dough by hand but the process got a lot faster when I got a Bread Maker. See- How I got a Bread Maker for Free

43. Croutons– We used crunched tortilla chips See- What to Do With the Crunched Chips at the Bottom of the Bag

44. Taco Seasoning– We make our own. See- DIY Taco Seasoning

45. Plastic Shower Curtains– We buy white cloth shower curtains so that we can wash/ bleach them and reuse them. See- Washable Shower Curtain

46. Perfume / Body Spray– I seem to have good luck getting this for free at Victoria’s Secret or Bath & Body Works, also my sister usually wants to get rid of some of hers 🙂

47. Candles– People seem to like to give these to me or I get them for free

48. Computer Work– My Dad and B have this covered for me and I know I’m lucky because this can be pricey

49. Fire Wood– We have a fire pit in the back yard and luckily someone either always ends up getting rid of some wood or  there is a lot nearby where the owner allows us to collect wood

50. Cutting Pet Toenails– This can be tricky but I think it’s less traumatic for pets when we do this at home

51. Pest Control– We live in FL where there are lots of creepy crawlies. However, I would rather deal with bugs than have chemicals sprayed in my home and they usually aren’t that bad.

52. Lawn Services– B mows our lawn and I pull weeds and trim bushes

53. Maid Services– That’s all on us

54. Computer Software– All of the software I use either came with my computer or is free, including the WordPress software for this blog

55. Dry-cleaning- All of my clothes go into the washing machine. I don’t buy anything that is dry clean only.

56. Practical Things People Give Us as Gifts– I love all gifts! That includes practical gifts and items we need. I cook with a cast iron skillet from my brother, my sewing machine was from my aunt, and my microwave was from a friend. I love that many of the things I use in my home everyday remind me of the people I care about who gave them to me.

57. Upholstery– My aunt helped me to recover the chairs on my old claw foot dining room table. It was a great housewarming gift and I love the pattern that I got to pick out myself.

58. Painting– We do all of our own painting. At this house we actually chose to keep the current pain colors which saved a lot of time/energy/$.

59. Patching Drywall– I can actually patch drywall.

60. Cardboard Boxes– Whether for moving or another project, most stores love to give these away so they don’t have to haul them to the dumpster.

61. eBooks– I have gotten some really cool eBooks for free.

62. GPS updates– I use the Free Google Maps GPS on my phone so I no longer need to pay to update my GPS

63. A Planner– I used to buy one every year and now I just use the one on my phone or the one my sister got for free and gave me.

 

Note- This list is true 95% of the time, there is a small 5% of the time when emergencies etc come up or we decide to splurge.

 

Things We Do Pay For

1. Oil Changes– My dad or brother used to do it. I know that I need to learn to do it myself but until then I have to pay for them.

2. Cable– We pay about $35 for about 200 HD channels and a DVR. We like to be at home and for us one month of cable is cheaper than one meal out or going to the movies one time. As I write this, tonight we decided to stay home and watch shows on our DVR instead of going out to the movies. We saved $30 right there.

3. A Cell Phone Data Plan– I honestly don’t know how I lived without this for so long. Especially because I have two online businesses it makes my life soooooooo much easier.

4. Face Makeup– I use an expensive 4 in 1 Face Compact from PUR minerals but it saves me sooo much time and energy from having to apply and buy 4 different products. See- How to Fix A Broken Pressed Powder Compact

5. Face Cream– I use a daily Face Cream with a high SPF because the sun is strong here. I always get this with coupons and other deals. See- Getting the Most From Expensive Lotions

6. Going Out to Eat– I love date night! I also love sharing a meal out with family and friends. We use my 50% off discount at the restaurant chain I work at, we use coupons, and gift cards. See- A Frugal Date Night

7. Travel– Traveling is very important to me. I love visiting new places. Even though we try to do it cheaply I always find it’s worth every cent. See- Free In Washington D.C.

8. Clothes– I do try to save money on clothes by bargain shopping and thrift shopping. See- Thrift Shops/Yard Sales

9.Groceries and Household Items- We have to eat but we try to stick to our $200 a month grocery/household budget See- $200 Grocery Budget

10. Bills– If I could figure out a way out of this I would. So instead we just try to keep them as low as possible.

11. Rent– Until we buy a house we have to pay rent. Someday this category will say Mortgage.

12. Occasionally We Treat Ourselves to Various Things We Want- We work hard and after all of the money saving we do 90% of the time I feel we deserve it. That doesn’t mean that we don’t try to save money on items we ‘treat’ ourselves with.

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