Halloween Bags And High Fashion At T.J. Maxx

BETSEY JOHNSON Ginger Pumpkin Crossbody

I love going to my local T.J. Maxx, as well as, browsing online despite not being able to bring up specific designers by typing a name into its search box. Yes, a pain! T.J. Maxx has an agreement with certain designers not to disclose that their commodities, often marketed as exclusive, have landed at the retailer, discounted. Fair enough for the savings!

BETSEY JOHNSON Boo Ghost Crossbody

Moreover, here's thrilling news from the United Kingdom ... its T.K. Maxx, the company name across the pond, has paired with consignment shops to offer haute couture items for folks who buy Chanel, Louis Vuitton, or St. Laurent bags, wallets, or cardholders! Some of these high fashion labels are also landing on T.K. Maxx's shelves under the radar. If going forward you see them, it's not a mirage. Sometimes I see Valentino or Choe leather goods at the USA's sister company, T.J. Maxx, in addition to its Off the Runway section of apparel. The merchandise is still pricey, yet reduced by hundreds of dollars for interested consumers.

As regular readers know, I have an interest in haute couture as a blogger, although I don't buy it for myself. I'm happy with my Coach leather handbags and have picked up non-couture leather goods of excellent (or good enough however usually stellar) quality from T.J. Maxx's shelves. I buy all my leather wallets and cardholders for under $15. Shhhh, don't tell anyone! [I'll have to put this problem child bag identifying information here. BAGAMOUR Made In Italy Leather Baguette Crossbody →]

Now let's end with a bit of spooky fun. I've pulled up some Halloween-themed bags that are available until supplies last from T.J. Maxx's online website to feature throughout today's blog. The retailer always offers super cute holiday-themed home goods, as well as, apparel (including children's costumes) and bags, and shoppers may not have to go elsewhere. No scary prices for Maxximistas to find!

On the ends are ISADORA Made In Italy Leather Phone Holders and in the center a DIVINA FIRENZE Leather Triple Compartment Crossbody.

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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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Inflation Beaters: 12 Foods You Should Always Buy At Target

Here on the Upper East Side, it's hard to dislike Target, which opened Target Express retail stores in Manhattan beginning in 2018. One Target Express opened on my block in 2021, which thrilled the entire neighborhood. Unfortunately, many New York Moms and Pops are expensive. Although we love small businesses too, we also need to buy groceries and household goods at affordable price points, and mostly Target (as well as, Walmart) delivers. When it comes to food staples, what I appreciate about these big box stores is their consistently lower prices, meaning I don't have to wait to catch a weekly supermarket sale. Staples, already at lower prices at Target than most supermarkets, sometimes also become a loss leader item for an even lower price! Indeed, Target is doing very well in my neighborhood, and the retailer hasn't raised its prices to reflect inflation.

12 Foods that are Cheaper at Target (without a sale) include:

1) One gallon of milk - $2.99

2) Large Eggs - $1.99 per dozen (on sale last week for 99 cents/dozen)

3) Peanut butter - $5.29 - 40 oz.

4) Frozen orange juice - $1.99 - 12 oz. can

5) Butter - $3.99 - 16 oz. - 4 sticks

7) Spaghetti - 99 cents - 16 oz.

8) white or brown rice - 95 cents - 16 oz

9) Semi-sweet dark or white chocolate chips - $1.99 - 12 oz

10) Tomato sauce, salsa, and canned foods are often 20 cents - 50 cents less than at supermarkets. Also, dried spices are as much as $2 - $4 less than at supermarkets.

11) Unbleached all-purpose and whole-wheat flour - always list at the supermarket loss leader sale prices - $2.49 each.

12) A box of saltine crackers - $1.69, the supermarket loss leader price.

Target so consistently offers the lowest prices on these 12 food items therefore I don't need to find a supermarket sale. I simply walk to Target to pick them up. If online prices are less than in-store, your cashier will give you the lower price if you ask for it.

Target's store brands, Good & Gather and Market Pantry are usually as tasty as the name brand.

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I'm sorry Target discontinued their Oreo knockoff, it tastes 100% like Oreos. I'll have to try competitor Walmart's store brand of Oreos, which I'll show below:

Walmart's Oreo knockoff

Walmart's chocolate cookies with cream centers are half the price of Oreos also. Other Great Value food has been great ... except for saltine crackers which aren't as tasty as Target's house brand or other name brands.

Another winner is C-Town's store-brand soft Dutch Chocolate cookies (which is what Oreos are). They are without cream centers yet still delicious. Interestingly enough, we are charged $2.00 in Manhattan for the same package and quantity.

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A final Target tip: Be sure to buy milk, peanut butter, or eggs before you run out to avoid an empty shelf. It's annoying to run out and then have to wait for a shipment to arrive on key food items.

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ArtNaturals Beauty Serums Plus

Starts affordable before a promotion.

As previously mentioned, I aim to find more science-based skincare for less money. When we use skincare every single day (which we should!), we need them to work without breaking the bank. Lately drugstores have really stepped up their game making my quest a lot easier. You'll find some amazing beauty lotions and potions in the aisles that are potent enough to go toe to toe with their pricey luxury counterparts. And I'm featuring one of them here today.

ArtNaturals is formulated to free beauty from high prices and toxic chemicals, as well as, offer the right combinations and concentrations of high-quality anti-aging ingredients that have proven to be effective time and again.

This "natural" beauty line includes skincare, haircare, beauty tools, and vitamins for men and women. I recommend starting with their Age Defying Serum Trio set. The price is unbeatable as you will have to pay 3 - 4 - 5 times more for the equivalent ingredients elsewhere. 

The serum set includes everything a face needs for glowing skin:

1) Hyaluronic Serum - for intense moisture (good for daytime use).

2) 2.5% Retinol  Serum - to fight fine lines and wrinkles (best for nighttime use).

3) Vitamin C Serum - brightens and corrects/protects the skin from the sun and free radicals. It also contains vitamin E and Ferulic Acid which is said to make Vitamin C work better (good for daytime use and some folks use it at night with moisturizers but never with retinol).

ArtNaturals is sold at drugstores, Target, Walmart, and Ultra which means you will sometimes find the products under $10 a bottle, thereby saving even more by shopping around and watching for sales.

[Ultra sells The Ordinary line of skincare -- also under $15 a product. I'm a big fan of The Ordinary Vitamin C Suspension 23% + HA Spheres 2% ($5.80); Buffet - a combination of anti-aging peptics ($14.80); and its Retinols in Squalane ($5.80). If using The Ordinary line, you must know what skin issues you're trying to prevent or fix in order to select the right items for you. But. Choice is always awesome for folks on a budget. It opens the door to savings.]

Top-notch skincare you can afford to use daily!

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Smart Ways To Put Money In Your Piggy Bank

Photo: Freepik

A purchase that makes a person happy is money well spent. That said, there are certain things I skip in order to achieve bigger goals, such as to have an emergency fund, or buy a higher ticket item. In New York City I am sometimes surprised when people who are low on cash think nothing of dropping the few dollars they do have on temporary things like $2 bottled water, or $5 frappucchinos. If you apply yourself you can drink water and coffee for free! At the risk of outing myself as parsimonious, below are costs I shy away from ...

5 Smart Ways To Put More Money In Your Piggy Bank:

1) Subway and bus fares - Savings: $5.50 a round trip - Walk if possible instead of paying for subways and buses. It's fantastic exercise! Other than for safety (late at night), distance (a trip to Brooklyn or Queens) or time (I'm running late) I walk everywhere.

2) Manicures and pedicures - Savings: $30 - $60 depending on the salon. Multiply by number of times per year!

photo; istock

While homeless after my building's fire, I tipped my hotel maid $40 one day. She was lovely and a diligent worker, a single mother who told me she lived at home with 8 people, including her two young boys aged 10 and 8 years old. At the time she said the following Saturday was her birthday, and she would spend her tip on a manicure. Indeed, it was her birthday, as well as, her money to do whatever she liked, but every person is different, and I tend to spend even windfalls on articles that last. In general, I say a woman in her 20s should experience a couple of manis and pedis; then stop going to the salon and trim and polish her own nails. Put the savings in a jar to see how it adds up! One day the sum will pay for something pricey ... a necessity, keepsake-luxury or vacation!

3) Coat checks - Savings: $5 to $10 - Whenever possible I simply hold onto my coat. Short of carrying it on stage to make a speech, nobody will notice if you keep your coat discreetly at your table. Middle class, bourgeois that I am ... I'd rather the $10 stay in my wallet to go for something I value.

4) Bottled water - Savings: $1 to $2 per bottle - Carry your own water from home and look for drinking fountains. In a pinch after washing your hands in a public bathroom, cup your hands to drink the running water from the tap. It's the same exact water that runs in the kitchen. Bonus: Save the environment by ditching the plastic.

5) Forgo coffee stops close to home - Savings: $3 - $7 - When I'm all alone, readers, I'm too cheap to buy a cup of coffee while out in my own neighborhood. With a friend I consider the expense of a neighborhood coffee shop inexpensive entertainment. However, me, myself and I will just have to make coffee for me, myself and I at home. On the other hand, if I'm in a neighborhood far away from home I will stop for coffee -- it then becomes an opportunity that only costs a few bucks to sit down; people watch; and take in the local color. Do my coffee-spending-choices make sense to anybody else?🐖🐷🐽

And, it goes without saying: Take advantage of any and all free samples of coffee sent by the Coffee gods (i.e. displays set up to promote products) while you are out shopping.

Where else to save: 

1) Ask yourself if you benefit from costly cable TV, or is free broadcast television combined with the internet and reading books enough to entertain you?

2) Examine your telephone habits: Do you need both a cell and home phone, or can you cut one? Then look at your telephone plan to see if you have the right cost efficient plan for you.

Spending more doesn't always give you a better quality of life. But mindful spending on things that matter usually does. As does living debt-free and freedom from work just to pay bills. What gives your life meaning? Figure it out and happiness will follow.


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