Showing posts with label budgeting. Show all posts
Showing posts with label budgeting. Show all posts

Monday, March 10, 2025

Dry Food Storage Containers & Cookie Jars

THE SAVVY SHOPPER loves to write about jewelry, luxury bags and the occasional fad, but it's the less costly, less sexy (to borrow a financial writer's term) things we buy every day that can raze through our paychecks!

If you need dry food containers or cookie jars, you don't always have to buy them. You can easily repurpose the containers from some of the food items you buy. Occasionally I buy tomato sauce that is sold in a Mason jar. Repurposing it is one less Mason jar, I have to buy. As it turns out, I already use Mason jars to store my rice, dried pasta, cornmeal, oatmeal, and ground flax seeds. They work very well to keep bugs out and the grains and ground seeds fresh! I also like the transparency of seeing the contents to know what to grab.

Glass jars with screw-on lids are my preferred dry food storage containers, but lately I repurpose Premier Protein Powder plastic cylinders to hold 4 pounds of white sugar, 2 pounds of dark brown sugar, bags of chocolate chips, bars of baking chocolate, and 64 ounces of dried powdered milk. I'm a buy-in-large-sizes to forget about it for a while type of gal! Like Mason jars, these much bigger plastic cylinders with screw-on lids keep my food items fresh and free of pests that crawl into dry food boxes. I like the ease of unscrewing the tops and scooping out the dried food when cooking or baking. Larger with a bigger opening and lighter than glass, the plastic containers are easy to lift from my cupboard.

Lacking counter space, I don't have to worry about the uniformity of my storage food containers, however, if you collect Mason/Bell jars or one type of plastic receptacle, you can achieve a uniform look. An Ambitious Artistic Repurposer can also decorate a set of repurposed plastic tubs. I can't claim to be so ambitious, but I do have a helpful tip. If you write the name of the dry food you're storing on the lid instead of on the side of the cylinder, you can simply replace the lids and not the containers if you change the food inside in the future. Nonetheless, whenever you wish to replace the tubs, they're free after you consume the protein powder!

Buying a set of specially made storage containers isn't cheap. Repurposing is good for the environment, your time, and your wallet! Use the money saved for a rainy day, a more expensive need, or a fun splurge!!!


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Thursday, March 6, 2025

Splurge Like A Savvy Shopper


How does a Savvy Shopper make decisions about a splurge? I'll use 2 emerald rings that (as of now) are on the market for sale to illustrate the thinking involved in whether (and if, yes, which ring) to spend your money on. But feel free to fill in the blank with designer shoes, bags, clothes, or whatever your temptation tends to be.

Let's start with: Don't tell yourself an emerald ring is an investment. Jewelry isn't, a Chanel double flap bag isn't, and Manolo Blahnik pumps aren't investments ... or even needs. All these pricey items are splurges, not necessities. We buy them because we want them, not need them, and more often than not, if we were to sell them, we won't make a profit. So never confuse a splurge with a need or a true investment! No and no!

That said, if you can afford a splurge sometimes it makes a hard working person happy and is well worth the money.

To demonstrate, let's say we decide to splurge and spend our money on an emerald ring. It allows me to post some lovely images today.😛😁

The next question to ask is what's our budget?



This 1st emerald ring is a stunner. It's a 6.14 carat natural Columbian emerald in a 4-prong setting of 18 carat gold. The emerald is surrounded by round brilliant and baguette cut diamonds. For average wage earners, the pricetag is a stunner too! Cost: $32,000.

So Savvy Shoppers who earn regular salaries, do we forget about a splurge? Heck, no ... if you can afford to treat yourself, you should every once in awhile! However, as a Savvy Shopper you should search for a ring that has a similar effect within your personal budget. Use the out-of-your-budget temptation as inspiration! 

Be flexible and willing to compromise to find something similar that you can afford. Many people who don't wish to go into debt wouldn't pay $32,000 for a single piece of jewelry just because they have the money in the bank. Ask if this ring is worth 32,000 smackers leaving your bank account? Proof!

THE SAVVY SHOPPER way is to be a dreamer, then a realist! Obviously someone with deep pockets wouldn't have to deplete their savings to spend $32,000 on jewelry. But one day perhaps your $32,000 will have to cover unexpected expenses. Know and stick to your own budget. Spending like high rollers doesn't make us high rollers. No one should break the bank on a splurge. A splurge is meant to bring us happiness, not worry and insecurity. So let's take our dream ring and shop like a Savvy Shopper!

The 2nd emerald ring is what an ordinary wage earner might end up buying. It's a 2 1/5 carat natural (origin not stated) emerald in a 4-prong setting of 14k yellow or 14k white gold. It is surrounded by brilliant round diamonds with additional 
baguette cut diamonds to equal 1/2 carat of diamonds. Cost: Full retail - $5,000. Ebay price $2,900. Macy's sale prices - $1,499 and sometimes as low as $1,049.

The compromises are 2 1/5 carats vs 6.14 carats, 14k gold vs 18k gold. Both are natural emeralds but I would bet that the $32,000 emerald is a higher color grade. The emerald likely has a more desirable saturation of color. Both emeralds have inclusions, which are accepted in the gemstone.

Between the 2 rings, the 6.14 carat emerald is deeper and the 2 1/5 carat emerald is shallower, but much of the bigger stone in this design cannot be seen. The 6.14 carat emerald has a higher setting. You'd have to try on both rings to know if you'd get more finger coverage and if bigger or smaller looks better on your hand. A higher ring setting is not de facto more desirable.

Finally, there's the cost of insurance. Whether to insure a ring you pay slightly more than $1,000 for is debatable because you likely could afford to replace it. However, more risk and pain would follow not insuring a $32,000 ring that was lost or stolen, which a Savvy Shopper takes into account before making the purchase. How pricey should your splurge be? Sales taxes and insurance add up. 
Total expenses can slap you in the face!

In summary: Splurges should make us happy, not penniless! If a material thing would burst your budget, figure out what you love about the article but compromise to bring the cost down. Find something affordable that gives you the similar effect as your temptation. First a dreamer, then a realist is THE SAVVY SHOPPER way to buy all things -- needs and splurges.
Extra Tip: If you wait for Macy's promotions, you can get a ring, earrings, and a necklace for less than the price of the 1st ring, but will you wear them all? It's a beautiful collection. Still buy only the pieces you know you'll wear often. Never buy jewelry that stays in a box.


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Monday, February 19, 2024

Don't Buy Too Far Into The Future

I wrote a post nearly 4 years ago about a habit, namely stocking up, I wanted to break. I'm happy to report: I changed! My new purchasing pattern is to Buy One Plus One for many common commodities. You can replace an old habit with a better habit, maybe not suddenly, but one step at a time. Not buying more t-shirts, soaps, shampoos, hair conditioners, or body balms than what I need has not caused any shortages or hardships.

Even when an old favorite is discontinued I've never had to go without. A new and often better product takes its place. Nor have I had to overpay for soap, shampoo, conditioner, or t-shirts because I didn't buy a dozen during a sale. Aren't these the two main reasons we tend to stock up?

In fact, I can think of a few instances when buying a stash of everyday products resulted in a waste of product and money. 

In the late 1990's I loved the Bath & Body Shop's Freesia Scented Body Cream. When the shop's sales manager told me freesia was being discontinued, I bought up a supply to use for when I couldn't buy it. Big mistake! Despite being sealed, scented body creams have a short shelf life. They go bad after 2+ years. The fragrance vaporizes and the ingredients in the cream separate. Moreover, skincare has improved by removing drying agents such as alcohol and adding essential ceramides to restore our skin barrier.  Although I loved smelling like freesia I never understood why I had dry skin until after I stopped slathering on my freesia body cream in winter. The alcohol in the body cream I thought was moisturizing my skin was drying it! 

After I'd bought far too many t-shirts at Express, a newer cut and fabric launched at Old Navy that I prefer. 

Bars of soap from various retailers have been replaced by less messy liquid soaps, as well as, post-Covid hand sanitizers. Yet to this day, I'm still going through my bars of soap, sometimes putting one in a soap dish on the kitchen sink or laying them on shelves inside my wardrobe ... because what else do you do with too many bars of soap? The world has moved on from solid bars of soap!

Often buying a stockpile of a product during a sale is not as cost-effective as just buying one plus one as needed. Our needs are always evolving. What you need today may change tomorrow. So buying too far into the future repeatedly leads not only to clutter but to a waste of product and money. We end up with products after we've moved on from valuing them. 

We simply need enough of an item so we don't have to run back to the store every time we turn around. Usually buying one plus one is the right quantity. I'm happy I nipped buying too far into the future!


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Monday, January 22, 2024

Aspinal The Alternative to Logo Luxury Bags

Full grain leathers - nappa and cow
Welcome to the world of Aspinal of London, where customers can buy top-notch luxury bags or small leather goods without the hype, games, serial price hikes, or ostentatious logos that are becoming disturbing among a few well-known luxury brands. Merchants who don't value their customers are not our friends. Aspinal of London is!

Aspinal offers high caliber leather(s), expert craftsmanship, and attention to detail with extras for your money; and their bags list for $1000s less than the showy logo brands. 

Furthermore, you are provided with excellent and friendly customer care. Just for signing up for emails, you get an instant 10% savings, and periodically there are sales with up to 70% off. Save your Alexander Hamiltons on fine leather goods. Frankly spending them for exclusiveness is a middle-class illusion according to marketers! Luxury houses design special lines not for public sale for their wealthy clients.

Aspinal's fine leather bags are ultra stylish, sturdy, tasteful, and timeless. Does the quilted black bag with gold hardware on the left remind you of a coveted bag that just announced another price increase (of 15.7%)? The Chanel medium double flap bag now sells for $11,850 (up from $10,200) without offering customers any improvements! In fact, numerous customers claim the quality of the double-flap bag has taken a nose-dive and is no longer worth its asking price.

 Not only is the classic Aspiral bag of superior quality, but it also has a few frills such as 4 golden feet to protect the leather. You get more for less money.

If you are looking for a substantial full-grain leather luxury bag, then look no further than Aspinal of London where you find excellence, a fair shake, and outstanding customer service when you walk in the door, as well as, after you purchase your bag. Take a consumer oath: From now on, support brands who work to be your friends!


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Launer Is A Handbag Fit For A Queen

Tuesday, January 2, 2024

7 Things I Won't Buy Anymore


More and more I'm embracing minimalism. I try to buy what I need, not more than what I need. By owning less we can reduce clutter, simplify our lives, and gain freedom from having to work just to pay the bills. Living in Manhattan where apartments tend to be small helps me shop mindfully, but I too must resist temptation sometimes!

7 Things I Won't Buy Anymore Include:

1) Shoes & Clothes Like a Fashionista - Once upon a time I bought a motley of fashion-forward shoes and clothes that struck my fancy. Now I'm into a less is more mindset. I have a capsule of classic clothes that I wear over and over. Even my gala clothes I wear time and again. As long as I look polished, coordinated, and appropriate, I no longer care if I wear a dress multiple times. Outside of show business or a public person who delivers televised speeches, do people really remember what we wear? Probably not, and if so I really don't care if they do! 

2) Makeup Like A Fashion Model - When applying makeup I go for a little razzle-dazzle but overall I keep my cosmetics fairly natural. I strive to look my best, but I no longer experiment or try to create different looks. The best version of me (lines and all) is fine. Fortunately, superb drugstore brands like Maybelline, L'Oreal, Milani, and Drew Barrymore's Flower are examples of high-quality makeup that make spending on pricey luxe labels totally unnecessary today. I have more lipsticks than I remember buying so I plan to use up my lip colors before buying more.

3) Toilet Seats Like a Town & Country Socialite - I stopped overspending on a toilet seat. I keep it basic by buying the simple but adequate white wooden toilet seats from Home Depot. When workmen enter my bathroom and scratch the paint off my toilet seat by carelessly setting their toolbox on it, replacing it with a factory-new toilet seat is cheap. A basic, inexpensive wooden toilet seat looks great and lasts if you don't abuse it.

4) Sweets & Junk Food Like a 20-Something Year Old - I avoid the middle aisles of a supermarket and I rarely keep bags of my weakness -- salty food-like substances such as corn chips, tortilla chips, or potato chips at home. When out and about, I'll eat a portion of French fries or potato chips, something less likely to happen at home where family sizes of nacho tortilla chips torture me until the bag is empty!

When it comes to candy and sweets I'll have a portion outside of the home. As a rule, if I want cake or French fries at home I must make them from scratch myself. It takes more effort and you have to wait to eat them.

5) Cleaners Like a 20th Century Housekeeper - I clean mostly with white vinegar and water which I mix and keep in a spray bottle. I use the vinegar mixture to mop floors and treat most stains on rugs or upholstery. I scrub my toilet and bathroom fixtures with 3% hydrogen peroxide (which kills germs without removing the varnish off of surfaces like toilet seats). White vinegar combined with baking soda dissolves soap scum. Bleach, Ajax, and Bartenders' Friend are for periodic heavy-duty cleaning. I mix ammonia with water to make my own Windex to clean mirrors and glass. For food spots on clothes, I use dishwashing detergent containing OxiClean. These basic cleaners take care of most household jobs as effectively as more expensive commercial cleaners (which also come in fewer ounces so you must restock more often).

6) Gold Jewelry Like a Multi-Millionaire - This is more my fantasy than a former reality😁. Nonetheless in the past, I bought some fashion jewelry and was more tempted by fine jewelry than I am today. As with clothes and shoes, I have a capsule of fine jewelry and never buy fashion jewelry. The price of gold has risen so much that we no longer get enough for our money. We're charged an arm and a leg for flimsy gold chains and thin bangles. Just say no -- pass on buying expensive skimpy pieces. It's not good value for the money!

7) The Latest Gadgets Like a Techie - I keep my laptops, iPads, and cell phones until they cough and die. We'd go broke trying to keep up with updated gadgets. Every 6 months a new version comes out. As long as what I own works, I continue to use it. After it coughs and dies, I thoroughly enjoy owning the latest faster computer ... for what seems like 15 minutes before a newer model replaces it. Therefore I give up on keeping up!

I'm committed to becoming as much of a minimalist as makes sense. I like simplifying my life and capsule buying in every area of life. We only need enough, not more than enough!


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Friday, September 15, 2023

Inflation Busters: Look For Value Naturals Snacks

With inflation falling but still with us, food is taking a big bite out of everybody's budget. At my local Key Food Supermarket, as well as, at other supermarkets including Shop Rite, Value Naturals brand of snacks is still an excellent value. I paid $4.99 for 9 ounces of Walnuts, $1.99 for 6 ounces of Crystalized Sliced Ginger, and $2.99 for 8 ounces of Sun Dried Tomatoes. This Supermarket label has a wide assortment of other snacks available including candies and an oriental umami-flavored mix. I don't buy the oriental unami crunchy snacks with dried horseradish flavored peas because when in my pantry I can't stop eating them! I do pop 2 or 3 of the Crystalized Ginger slices in my mouth if I crave something sweet; the walnuts for a healthy dose of protein; and the Sun Dried Tomatoes if I eat cheese and crackers but think I should have cooked a vegetable.

My 3 favorites are always in my pantry. In addition to snacks, they can go on a cheese platter ... the Sun Dried Tomatoes go well in salads ... and the Walnuts into baked goods.
Although not sold in bigger sizes, they seem to last for a while, and the value pricing makes them inexpensive to rebuy as needed. I feel a little more affluent and fancy stocking them, caviar tastes on a tuna fish budget as the saying goes.😁😂 

Speaking of which, look for Value Naturals Snacks in the canned tuna, produce, or meat sections of your local supermarket. Usually, you'll find them in the exterior, i.e., the aisles near the walls where the real food lays.


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Friday, August 11, 2023

Is Your Prime Membership A Waste Of Money?

Photo: Getty Images

Amazon rocks. I love it! Frequently the prices of goods are the same or better than at brick-and-mortar stores. At times stores lacking an item will direct me to Amazon, which ends up having it. Convenience is a given with purchases arriving at my door. Also, packages stuffed in the mailbox or left at the door can feel like gifts. Shopping on Amazon is addicting! And yet, after a couple of trials, I decided not to buy the $139 Prime Membership.

I think a Prime Membership is worth the cost if you: (1) order a lot of stuff; (2) live in a building where packages left in a common area get stolen; (3) need fast delivery, including same-day (with a $35 order), and 1 or 2-day delivery; or (4) use the other perks of the membership: Prime Video, Prime Music, Prime Photos, Prime Gaming and/or buy things marked down on Amazon Prime Day, Prime Early Access Sales or the Lightening Deals. Clearly, Prime Membership adds value non-members don't have.

Photo: Business Insider
But I found I didn't use any of these benefits with a 30-day trial, In fact, the items I ordered during my 30-day trial were excluded from the 1 or 2-day delivery and it still took a week or over for them to arrive. But it was ok with me. Almost always, I can handle the wait. I tend to be a planner, as opposed to, a last-minute shopper, and I also worry about Amazon workers who might have to kill themselves to rush items to customers because it's the business model. 
Let's remember human beings work in fulfillment centers (warehouses) to get our packages to us!

What's more, all orders $25 or more give you free shipping, and usually it's not a hardship for me to wait a beat until I bundle articles to reach $25. If your circumstances require you to order a ton of under $25 items monthly, then you'll save on shipping by paying for an Amazon Prime Membership at $139 per year (or $14.99 per month), and as a bonus, you'll enjoy all the Amazon Prime Member benefits. A bargain if you often order to run a business. You would spend more than $11.58 each month ($11.58 x 12 = $139) on shipping without a membership.

I adored binge-watching a season of The Marvelous Mrs. Maisel with my free trial membership, but frankly, there's not enough original content to make a Prime Membership worthwhile for Prime Video alone. Amazon offers Prime Video solo for $8.99 monthly or $107.88 a year, but IMHO you'll likely save by streaming your shows of interest.

Nonetheless, I need to jump back to emphasize how much I love Amazon! 

Photo: Business Insider
I advise anyone to check Amazon first before ordering a wheelchair, a senior shower bench, a safety bed rail, or anything you'd buy from a medical supply store as they're always far less on Amazon. Anything and everything is less on Amazon if you need it when a seller is listing it at a great price. Always worth a look!

Despite not having a Prime Membership, an Amazon customer rep called me a good customer since I buy a fair amount. Still, I never feel pressure or am tempted to order unnecessary things to justify annually spending $139 on a Prime Membership or because Lightening Deals are too good to pass up.

For some buyers, additional free shipping can lead to additional impulse buys. Make sure you don't overconsume to validate a membership for Amazon Prime, Walmart Plus, Costco Executive/Gold Star, or Sam's Club as it's not saving you money but costing you more than you'd normally spend. It's easy to do if we're not mindful. 

Finally, cancel any unused subscriptions and services that are costing you and not saving you money.




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Monday, July 17, 2023

Washcloths, Save or Splurge?

Walmart
Let me cut to the chase. After decades of buying washcloths, I learned to save and not splurge on this household essential. You want to splurge on big, thick, thirsty bathroom towels that can be washed time and again but save on washcloths. Here's why:

1) Washcloths, whether they are made by Ralph Lauren, Laura Ashley, Walmart, or Target, get ugly really fast. Cute doesn't stay cute for long regardless of price. After you wash a washcloth twice it doesn't look new anymore. Washcloths get stained by personal care products (like vitamin C serum) and look somewhat dingy after multiple machine washes and there's little you can do about it.

Pottery Barn
2) Unlike bath towels, big thick thirsty washcloths are actually a drawback. I have 4 Pottery Barn washcloths that I hate to use for 2 reasons: (a) the color bleeds and (b) they take 2 days to dry before I can toss them into the clothes hamper. This experience turns me off of big, thick, thirsty washcloths.

3) While you don't need a ton of bath towels, you do need a ton of washcloths, one freshly laundered washcloth daily for every member of your family. A ton of Pottery Barn washcloths costs a tidy sum! Not so at Walmart or Target.

Target
4) I happen to prefer the lighter Target or Walmart washcloths to the heavier more expensive Pottery Barn ones as it's easier to swish around and buff the skin with less weight.

5) The bargain Target and Walmart washcloths are good enough, they won't soon fall apart, and you get unbeatable value for the money -- such as 6 washcloths for $5, as well as, sales like 6 washcloths for $2.40, as opposed to, $14.50 each for Pottery Barn or $25 each for Ralph Lauren as in only one!

6) With such substantial savings, you can afford to buy spanking-new washcloths more often and still come out ahead. 

Walmart
Once upon a time, I bought sets of matching bath towels and washcloths, but I no longer do since as it turns out nobody cares. In washcloths, I don't look for Egyptian threads or Turkish cotton either. Nowadays I buy big thick thirsty cotton bath towels and good enough cotton washcloths as needed. Pay the piper when it counts. 

Other tips: 

When selecting these home goods create one washer load only: Either buy all white towels and washcloths (and perhaps bedding) or go with colors and skip the whites. Why create the need to do 2 loads of laundry weekly? Simplify a repetive job by going one way or the other.
 
Don't overbuy washcloths just because they're cheap as there's never a washcloth shortage. Always buy enough not more than enough. You're welcome!😛🙂

Monday, July 3, 2023

Pretty Things Borrowed From The Internet

The following are pretty things I love but either can't afford; don't truly need; or for the sake of practicality won't buy them. I love big blingy diamonds but can't justify spending 36k plus on a single piece of jewelry, and I don't need more dresses or sandals. Still, I love them all:

The top👆image is a ring designed By Bonnie Jewelry, as a gift for her Hong Kong mother. It's a 3 1/2 carat center pear-shaped diamond with two 1/2 carat accent pear-shaped diamonds. They are D-grade diamonds. Unaffordable for us average Janes ... yet stunning! The ratio of the center pear shape is ideal. The cut for a pear doesn't get any better, and you will pay a mint for it if you aren't Bonnie's mother!
Unlike the diamond ring, Crown Princess Mary of Denmark's Moss And Spy Elodie dress is affordable for a gal with a job. The high-lacy neck and A-line skirt look lovely on her! I try not to buy what I don't need and really have no upcoming events to justify buying a new dress, plus I have suitable dresses if an occasion to wear one pops up.

At 1st glance, Birkenstock sandals are quite ugly, but everybody is wearing them on the streets of Manhattan and I'm told they are ultra comfortable. Yesterday a woman told me she haven't taken hers off since buying them. Averaging $145 for leather, they run up to $200. Can so many people be wrong? If you walk miles and miles on city pavement with arch support and stability, ugly becomes beautiful!

If I go far from home on foot, I don't wear sandals. All summer long I wear Old Navy $2 flip-flops, inside my apartment only. I already own a supportive pair of Merrell sandals that I wear if I travel by car, or walk short distances. Birkenstock sandals would be worth the cost if its contoured arch support lets you walk all over town with ease. For sure your feet are worth investing in to prevent foot problems! Certain colors go on sale for $72, but I'll pass until I need a new pair of sandals.


Nice things, eh? That pricey diamond ring makes me wish I were either Bonnie's mother or Kim Kardashian, otherwise, I'm happy to be me!


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Monday, May 1, 2023

Goelia's Award Winning Style Is Affordable

Goelia Design was founded in 1995 by women. The retailer offers superior fabrics, craftsmanship, and style ''at the best possible price" in addition to customer rewards and reductions. We're talking silk dresses, worsted wool trench coats, and leather skirts. The wools are soft and smooth, and the color palette tends to be neutrals. You'll find reasonably priced dresses made of polyester or cotton also.




The details in the pieces are gorgeous! Classic design that's feminine plus a little edginess too. To boot, the clothing is versatile ... going from day to night! Goelia is gifting some of their garments to YouTube vloggers but unfortunately, the company hasn't stumbled upon THE SAVVY SHOPPER with freebies to review.😟
Oh well, my relationship is with my readers, so I'm featuring a sampling of the clothing anyway. Comfortable, wearable, and timeless fashion at a fair price, making Goelia a worthy retailer to discover. Good news readers, Goelia ships to the USA, Europe, Asia, and Australia, so be sure you click and peruse the website corresponding to your location.
Do you see a favorite?


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