5 Shopping Habits That Could Lead To Debt

There is always a new dress waiting to be bought, the latest color of nail varnish that we just have to have, or perhaps this season’s handbag. Being a fashionista can be an expensive business. Looking our best can be expensive, and that’s when we can find ourselves in money problems, and as a result fashion can suddenly seem a lot less fun! What shopping habits should we be avoiding if we don’t want to end up in debt!

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  1. Never buy something on impulse. I know we all love an impulse buy but it can be dangerous for a number of reasons. We don’t actually need it and we are probably paying over the odds for it. You should always make a list of what it is you are going to the shops to buy and then stick to that list! Less fun but far more practical.
  1. You don’t set yourself a budget! You go out and you just keep splashing that cash. That is a dangerous game to play! Yes, that dress might look amazing on you but you still have bills to pay and you want to keep a roof over your head. Make a spreadsheet and set yourself that budget.
  1. You pay for everything on credit card. This is a bad habit to get into. The problem with paying on credit card is that you lose track of how much money you have already spent. Then before you know it you find that have several credit cards with debts and you have no way of paying those debts back. If you ever find yourself in that situation then you can visit the website debtreliefprogram.co for further information. However, to avoid this situation in the first place you should pay with cash. I know that some people don’t like carrying cash because they worry about getting mugged. However, paying in cash is by far the most sensible option. Don’t flash the cash and you should be fine!
  1. You bury your head in the sand each month. You buy all of those lovely new clothes on credit card and then you refuse to look at the bills. This is dangerous! Before you know it you will have debts spiraling out of control. If you are going to use a credit card you need to keep a close eye on your debts and you need to be making decent repayments every month.
  1. Just one more dress. You find yourself constantly saying “just one more dress” and then you justify it by saying you need it for that work conference or a party that is coming up. Stop it! You will always find a reason to buy something. Stop kidding yourself and tell yourself – NO! You don’t really need that dress. What is going to happen if you don’t buy it? Nothing. The world will still be turning but at least you will still have some more money in your bank account.

Being a fashionista can be an expensive business. Sometimes we need to be more aware when we are shopping and we need to ask ourselves that old age question –

“do I really need this?”

Yes, we want to look good but we don’t want to go broke because of it. We can follow fashion but we also need to be sensible.

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Dressing Intelligently to Save Cash

Ever browsed Pinterest boards or the pages of your favourite magazine, wishing you could afford the latest styles? There’s good news: looking chic doesn’t have to mean spending a fortune on a new wardrobe each season. Take advantage of discounts, deals, and clothing swaps to save your hard-earned cash while still looking smart. Here’s how to do it:

Head straight for the sales racks.

While it’s tempting to spend your time browsing the displays at the front of the store, we all know that the best deals are hidden somewhere in the back. Exercise a little self-control when you’re out shopping by heading directly to the sales racks or browsing only the sales tabs on your favourite retailer’s website. You’ll be surprised at how many pieces you find for only a fraction of their original price.

closet, clothes, fashion

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Shop at consignment shops and charity shops.

Your local consignment and charity shops are two great places to find deals. Consignment shops are particularly brilliant, as many of the pieces they carry are brand name items that have been only lightly used. At consignment shops, you also have the opportunity to bring in pieces you no longer wear from your own wardrobe and earn part of the profits from the sale. You can then use the extra spending cash to fund your future purchases. Charity shops also sell clothes at rock-bottom prices, though you may have to do a little more digging to find brand name designers than what you would at a consignment shop. Still, they’re an excellent option, especially if you’re looking to stock up on the basics.

Swap your stuff.

Another fun way to score some new wardrobe pieces without spending your hard-earned cash is to organise a clothing swap amongst your friends. Ask everybody to bring five to ten wardrobe items they no longer want to the swap so that there is an ample selection for everyone to acquire a few new pieces. Want an even bigger selection? Sign up for an online swap like Big Wardrobe, Swishing, or Swop2Shop. Don’t have anything worth swapping? No stress. Buy directly from the website at a discounted price instead.

adult, beautiful, elegant

[Photo courtesy of freestocks.org/pexels.com]

Join the mailing list.

The best way to receive alerts about discounts and deals from your favourite retailers is to join their mailing list. Mailing list subscribers are often made privy to sales before the general public, meaning that you’ll be the first to know about a major sale or score a sweet coupon so that you can shop for cheap dresses in the UK. Worried about your inbox being flooded by emails from retailers? Regularly check websites like Dealhack.com RetailMeNot, DiscountVoucherUK, and Coupon Craze to help you save big.

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