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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The Online Shopping Traps You Mustn’t Fall Into

These days, online shopping is the norm for many people. They prefer to get things online rather than on the high street, and it’s not hard to see why. This method of shopping is easy and convenient. But that doesn’t mean that things can’t sometimes go wrong for consumers who shop online. You need to be aware of the traps you could fall into because they might cost you big,

Paying Luxury Prices for Luxury Brands

Just because you want luxury products, that doesn’t necessarily mean that you have to pay luxury prices. That’s a mistake that many people make. The best thing about online shopping is that you can get your hands on products from luxury brands without paying the full price. There are plenty of websites that allow you to buy these items at a lower rate than you’d find in shops. And sites like Ebay make it easy to buy second-hand luxury items too.

Falling for Dodgy Deals That Are Too Good to be True

There are plenty of great deals online, but there are also plenty of dodgy deals too. It’s important to remember this. You don’t want to be ripped off or to fall for a deal that is simply too good to be true. Always look at the security features of the websites that you buy from too. Some websites are not properly secured, and putting your financial information into these kinds of websites can be very risky indeed. You need to make sure that you don’t do this.

Not Factoring in Shipping Costs

Yes, many of the deals you find online will be cheaper than the ones in the shops. However, you also need to factor in any shipping costs that will be attached to your purchase. If the shipping costs are high, it might make the overall deal not as strong as it first looks on the surface. It’s important not to forget about this. It seems like an obvious thing to point out, but it’s a mistake that gets made by people all of the time.

Ignoring the Returns Policy Details

What are your rights as a consumer? You need to know the answer to that question before you buy something online. That means reading the returns policy and learning where you stand on this issue. If you make the mistake of ignoring these policy details, you could end up disappointed and frustrated later on if you end up wanting to return an item that doesn’t fit you. So, it’s always worth taking the time to read about these things in advance.

Failing to Shop Around

Shopping around is something that everyone should do when they are looking to buy things online. It simply makes sense to start looking at what other companies are offering. There are price comparison sites that make it very easy for you to look at arrange of offers, and then compare and contrast them. When you get into the habit of doing this, you will start to save money on a continual basis.

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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

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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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How To Plan The Perfect Ladies Shopping Day Out

When it comes to getting your shopping on, why not get some of your friends together and make a day of it. Not only do you have an instant fashion guru with you, granted your friends have some sense of style, but you’ll be able to do some other fun stuff and even catch up on your lives with a little girl talk.

Plan out your store itinerary, fill in a spot for lunch or dinner in there, plan a visit to the spa immediately following all that shopping, for a foot rub and some relaxation, and then maybe go have some cocktails and talk about the things that were a little too racy for the mall stores. Need a little more detail than that, and want to make sure each lady is happy on the excursion? Keep reading.

Mask, Facial, Mud, Water Of Roses, Spa, Cosmetic

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Who Wants/Needs To Go Where

Map it all out before you go. Make sure you know what type of shopping each lady needs to get done, this way each of you at least accomplishes one productive thing on your shopping outing. Depending on the needs, a trip to the mall could be the most convenient, offering up the most types of stores in the smallest area.

Any Special Dietary Needs

Before picking a place to dine, whether it’s lunch or dinner (depending on what time your shopping trip is planned for) make sure to find out what types of foods your group can and will eat. With so many food allergies and illnesses like Celiac Disease it’s important to consider each person before picking a place to dine. With severe allergies there may be a very limited option.

Makeup, Colors, Brushes

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Spa Or Makeover?

Every woman knows that shopping can be stressful and it’s also a good workout. End your shopping fitness routine with a visit to the spa. You could get a foot massage, perfect for after all that walking, or just get a relaxing facial to help you calm down and cool off after all that shopping work.

If you’re still energized and not ready to relax, maybe it’s time for a makeover. Instead of going to a spa, you could all go to the salon and get a new hairdo or maybe try a new makeup look. It’s a perfect final for a women’s day.

Post Relaxation

However, your shopping excursion doesn’t need to end there. If you girls still have some gabbing to do you can always go out for some cocktails after your shopping trip and spa time is over. Again, consider allergies and gluten sensitivities when picking a place for libations. A little liquor can loosen you up and gives you a chance to finish any conversations that were interrupted by hair cuts and dressing rooms!

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