Bougie on a budget

Ok I’ll be honest. I have a ton of student loan debts (like many of my peers) but I also have what my MIL likes to call “champagne taste on a beer budget.”

Personal style is really important to me. I went to a private school where I wore the same thing day in and day out. I feel most like myself when I can dress the way I want, which often comes with a high price tag.

Recently, I’ve begun to accept the fact that I really need to focus on spending better and spending less.

Spending better – only buying things that are 1) quality and will last longer. That cost per wear y’all. 2) make me feel good and no buyer’s remorse. I recently have begun swapping my beauty products for green & clean ones. 3) things that better myself, like my yoga studio.

Spending less – This is pretty self-explanatory but does ladder into spending better. If I buy better quality things and only things I truly love, I’ll buy fewer items. I also love a good coffee out, but that racks up quickly. I’m not going to ditch it all together, but just do it less.

Some things I’m doing to help me be better with money:

Podcast Bad with Money by Gaby Dunn – I recently discovered this from listening to another podcast called Glowing Up. What I appreciate about this Gaby’s refreshing take on “who was going to tell us this?” Meaning, who was supposed to tell us about 401ks or investments. It’s also super interesting from the perspective of the societal structures that keep the rich rich and poor, well, poor.

Investing/Saving – I’m a little ashamed to admit, I only just started a 401k about a year ago. Late is better than never I suppose. I’m also dipping my toe in investing with Ellevest. I don’t put in more than I’m willing to lose, because to be honest, much like Gaby  Dunn investing still mystifies me, but I know the investing gap is REAL.

Using services that help me save – when I do shop online, I’ve started to make sure I use ebates. It’s not a ton of money, but in the past two years, I’ve probably gotten a return of ~$100, which adds up! Also I make sure that I constantly use things like Hotels.com to get rewards. My husband I were recently able to get a hotel room for free on a last minute trip.

Shop used – I’ll admit sometimes this is hard. Because shiny new consumerism! However, things like Luxury Garage Sale and The Real Real is a great way to get something in a good condition at sometimes half the cost.

I’m really focusing on making a huge dent in my debt this year and to have financial freedom. What steps do you take to feeling in control of your finances?

Bougie on a budget

Dainty, Dainty, Dainty

I really want to set the tone of this post and the title is said to the tune of sexy, sexy, sexy from ODB’s Baby I got your money.

Now that’s out of the way we can really focus on the actual point of this post: dainty jewelry. In the past few years I’ve really moved from large statement pieces (although I’m not above them in the right situation) to smaller, minimal jewelry.

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Below are some of the pieces I’m currently craving. My go-to shops are Catbird, Etsy and Moulton. Have you gotten any good pieces lately?

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Dainty, Dainty, Dainty

Blanket Weather

So (at least in Texas) we’re in weather where it could be warmish during the day, but chilly at night. Which means, having several stylish blankets around is ideal. They’re great for Netflix marathons and for the patio with your gal pals.

I got an amazing blanket when in Costa Rica and it got me searching for some more to keep the house stocked. I’m borderline obsessed with that white blanket from The Citizenry. What do you look for in a blanket?

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Blanket Weather

Etsy Faves

I’m gonna keep this short and sweet. I flipping love Etsy. I love finding unique things and its perfect for gifts, home goods, etc.

I could probably write on and on and on about my prolific love, but I’d rather just show you what I’m currently crushing on (despite my wallet’s disapproval).

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I’ll admit, finding good stuff can take time and years of building up your favorites so Etsy knows what to reco for you. It’s worth it. I find such unique stuff and sometimes for a WAY better price.

What are your Etsy faves? Any tips on finding great shops?

Etsy Faves

Let’s talk about flares baby

I know fashion runs on a cycle. I’m fully, fully aware. But it feels like decades since I put on a pair of flare jeans and felt “cool.” I can even pinpoint when I went from a flare and bootcut gal to skinny jeans (it was the tenth grade), it was also a time in our culture when guys were purposely buying girls’ jeans (or in my case stealing mine). At first when I heard flares were on the rise again I thought no way.

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I’ve rounded up some of my favorite flares out in the universe. Have you gotten a pair recently?

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Let’s talk about flares baby

Little Black Bags

I’m all for a good black bag. In fact- I think I’m in the market for a new one. I have bought two beautiful black bags in recent years. One Marc by Marc Jacobs black tote with a zipper top. It was the very first designer bag I ever bought, and it’s really lasted. Which has made me a convert to buying quality bags.

The other I don’t wear as much – it’s the notorious Marc Jacobs Stam. I don’t wear it often, especially as it is discontinued. I do really love it as a bag, the leather is gorgeous, the gold chain is uber cool.

I’ve rounded up a few ideas for a new black bag. Whatcha think?

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Little Black Bags

Dainty Jewelry Love: Moulton

So I’m all about this whole dainty jewelry trend. Jumping on the wagon and I’m not looking back.

Anyways at TxSC I found out about Moulton. The clouds lifted and the the angels started singing. This jewelry is so beautiful and so simple. Also being from Austin is a huge plus in my book!

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How can you not fall in love?! You can wear this with everything. Image above via Moulton Instagram

Moulton earrings

I’m obsessing over these tiny earrings.

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When I’m not dreaming of those bar earrings, the ones above are on my mind.

 

 

 

 

Dainty Jewelry Love: Moulton