7 Money Saving Tips & Tricks for Broke Girls & Shopping Addicts

bblogger, finance, goals, money, saving, Shopping, Uncategorized

Lately I’ve been seriously considering the long term effects of bad credit. I know it’s Sunday and tomorrow’s a holiday/it’s a three day weekend and saving money doesn’t feel as good as spending it but as Jay Z’s “The Story of OJ” song lyrics clearly delineate: 
“You wanna know what’s more important than throwin’ away money at a strip club? Credit.”

The lyrics that follow have been criticized for endorsing a Jewish stereotype:

You ever wonder why Jewish people own all the property in America? This how they did it.” 

Regardless of whether or not that statement is true or offensive, and yes he’s banking on reinforcing a generalization, what is undeniable is the importance and power good credit lends you.

Image from Oprah.com.

I know I don’t usually do posts about topics this heavy, but hey I’m growing up. I started wrecking my credit early in life and had absolutely zero advice or information about credit, debt, or money management. The only thing I knew was that my Mom set an amazing example of using money wisely, but the insistence of peer pressure and an intense shopping habit took over me. She had a lot of willpower while I wasn’t blessed with nearly as much.

Like many people in their 20s, I ruined my credit to pay for college and whatever my two or three part time jobs couldn’t cover, and I’m barely rebuilding it. 

Using credit was fun while it lasted but don’t fall into the trap of thinking that credit is free money. IT’S NOT!!! If you can’t pay back every dollar you’re spending with a credit card don’t do it. It doesn’t matter how good it feels.

Source: creditsesame.com

What does matter though, is that down the line you can be denied job opportunities, loans for buying a car, and a lease on an apartment,which won’t be the least bit fun and trust me, you will regret every carefree minute your credit cards lent you.

I am adulting more than ever and therefore adjusting more things so that I don’t have to be a typical struggling millennial. I am here to share the wisdom I’ve amassed as a broke girl and shopping addict. I’m barely recovering. Take that as a warning. 

Here are 7 tips & tricks I learned:

1. Track your credit score for free and without affecting it with an app/website like Credit Karma or Credit Sesame:

If nothing will guilt you enough into not ruining your credit and continuing on as a spendthrift, an app/website like Credit Sesame or Credit Karma just might. Seeing your score decline before your eyes is a saddening reality and you’ll inevitably begin to raise your score with their recommendations. 

Image from creditsesame.com.

If you’re already in the tank like I was, they suggest the best secured credit cards and show you the pros and cons of each and how likely it is that you’ll be approved. I had no idea not having any credit cards is actually a deterrent as having a few you’re paying on time shows you’re a responsible spender and is essential if you’ve already dug yourself a credit hole.

Image from creditsesame.com

2. Reward yourself with a few established treats. (Not every day)
Establishing a routine and frequenting a few places you go to when you want to treat yourself is a good idea. It’ll prevent you from going to random places and more than one place where you’ll spend aimlessly and go overboard. 

(Occasionally) Image from writeraccess.com.

If I want to treat myself to a decent lunch I go to either a local ramen place or a local Asian box place, Koran Ramen and The Asian Project. 

I know if I step into a random bar or restaurant I’ll end up way more than I intended to. I try to keep these splurgy lunches around $10. When I want to buy a new clothing item, makeup item, etc. I try to only purchase it if I actually need it and keep splurges to birthdays and holidays. 

Wet n Wild is a broke girl’s dream. When buying makeup, I stick to drugstore brands or inexpensive quality brands like Colourpop. I also buy makeup through Amazon with money I make on an app I talk about below. Image from gift.kapook.com

I also try to only frequent a few places like local thrift stores, Marshall’s, Burlington Coat Factory, Ross, TJMaxx, etc. If I’m in a huge department store or similar store it’s too easy to end up buying more than to planned on so I tend to avoid them altogether. (Interestingly enough, I work in one so that proves to be a difficult task.)
3. Have a saving buddy or someone else to keep you accountable and vice versa if they need it.

Image from Wallstreetjournal.com

If you have someone consistently encouraging you / nagging you to save money you’ll be less likely to come home or show up to a coffee date with bags of new makeup, shoes, and clothes. (My drugs of choice). Yes it’s annoying and you could find ways to hide it but eventually they’ll see your new fancy jacket or did that just happen to me way too many times? 

Keep them on point too as well as yourself when they point out areas you can improve on. 

4. Wait

That’s right, just wait. It’s so hard to do when you just have to have something. Shopping addicts I’m talking to you. Of course if you’re in an emergency and have no laundry to go to an interview tomorrow and no time to do it, or find yourself with only 30 minutes before work and find yourself nowhere near affordable food I’m not going to judge you for splurging a bit.

Sometimes you just need a latte. Image from mixwellness.com

Circumstantial spending happens and sometimes there’s nothing you can do to help it. I’m talking about waiting on things you really want until you’ve saved some extra cash and/or it’s gone on sale. I know it seems like certain things never do but believe me, almost everything does and a lot of things will not run out. Wait for sale days and those magical emails with deeply discounted codes. Colourpop has incredible sales all the time. You can easily find out about sales and codes by signing up for emails from your favorite stores.

5. Recycle

If you haven’t jumped on to the bandwagon of thrifting, what is wrong with you? Used clothes may smell like used clothing shops, which are musty and dusty at times, but hey that’s what washing machines are for. 

Image from refinery29.com. Their article on 8 thrift stores in LA you can score great stuff 

here.

I’ve found many a treasure in the mustiest of Goodwills. As an added bonus, you’re helping to save the environment and many times other worthy causes as in Goodwill, Discovery Shop, and Salvation Army’s cases. If you’re ocd about other people’s germs or just love your friends’ sense of style and they love yours, do a clothing and accessories swap.

6. Use an app that rewards you to indulge your shopping cravings without touching your bank account.

One thing I learned in 2017 that changed the shopping addict game for me is that you can make money to shop by using several apps. My favorite three are Quick Thoughts, Ibotta, and Shopkick. Quick Thoughts is an app where you take 5-30 min surveys which each pay $2.00. One about TV watching habits pays $0.40. Once you reach $10.00 you can redeem it as an Amazon gift card. It’s easy to rack up gift cards and money to spend I’m your spare time. If you shop on Amazon a lot, (and who doesn’t?) you can easily save a lot of your own cash. As long as you only spend what you make it’s a great idea.

Amazon packages make me happy. Image from digitaltrends.com.

Shopkick is an app where you scan items in stores and you can redeem your points for gift cards to Target, Sephora, Starbucks, and a ton of other places. It’s very easy to rack up points as you probably go to stores and walk around the items that are worth points anyways.
Ibotta is an app where you upload pictures of your receipts for money. Once you reach $20.00 you can pay yourself out through PayPal. If you don’t buy the items worth points it’s a bit hard to do bit regardless, eventually you will definitely rack up some extra cash.

7. Use apps religiously.

Why pay more than you have to? If you haven’t downloaded many restaurant’s and store’s apps that reward you, you probably are. If you drink as much coffee as me believe me the Starbucks and/or Coffee Bean app could come in handy. Both apps reward you with a free welcome drink and a birthday reward. Personally, I use the Starbucks app more, simply because their coffee is more caffeinated and therefore gets the job done. I also love racking up a reward every 125 stars because I can splurge on the fanciest drink imaginable or a yummy salad. 

My favorite thing to use my rewards on, Starbucks’ Lentils & Vegetables Protein Bowl with Brown Rice. Image from Starbucks.com.

Also, free refills on coffee, which is amazing. With apps like Urban Outfitters’ you get 20% off for signing up and can easily rack up tons of $5 rewards by shopping, using the app, and even just visiting the store. Yup, you can get paid to window shop.
Basically, if you put even a little effort into being responsible and a smart spender, it pays. It does sound like something a cheesy motivational speaker would say, but who cares? Who wants to be broke and miserable all the time?

7. Take a set amount out of your paycheck every week or month automatically so you can’t touch it 

I know parting with your hard earned money is painful, but what do you think you’re doing when you splurge on a new foundation, drop $20 at a sushi bar, or get your nails done? Learned the unsung joys of delayed gratification. No, putting aside $50 may not feel as good as a fresh mani/pedi or the new Fenty Palette but the $300 that will add up later on will be way more rewarding, believe me. Stick with it. I don’t care I sound like your grandma right now; a penny saved is a penny earned. 

I hope this article helped you even a little. 

Love you guys and hope your bank accounts grow a little fatter and 2018 is treating you kindly. 

❀️❀️❀️

Wear a Romper or Jumpsuit Literally Anywhere this Summer

accessory, Boots, fashion, Ootd, Shopping, Summer

Photo & romper from Shein.com

Do you ever want to float out of bed and just leave your pajamas on, going about your day comfortably? I love /  live for fashion, obviously, but I want to be just as stylish yet comfortable as much as the next girl does. Rompers and jumpsuits just make my life easier because you don’t really have to think about coordinating anything.

Picture & romper from Lulus.com

Believe it or not, you can wear a romper or jumpsuit literally anywhere.

Case in point.  

To work

 Unless you have to wear a uniform to work, in which case, I feel for you, you can wear a jumpsuit to work if you work it correctly.πŸ˜‰ Throw a blazer on top and add business casual heel or flats and you’re good to go!

Found on Gurl.com

Found on Pinterest.com

Wearing a black jumpsuit and staying away from anything too revealing during working hours will make this look appropriate enough for your place of business.

This cute all-purpose one by Old Navy is only 30.00. Find it here

This one by H&M is $34.99. Find it here.

To a date

By Tobi. Get it here.

Pair an alluring romper with delicate accessories and booties or lace up sandals for a go-to date night look, a night out out with friends, etc. In swampy weather, you don’t want to wear much else.

By Sugarfix for Baublebar, sold at Target for 16.99.

50β„… off on Express.com.

To a wedding or special event


From Lulu’s. $49.

This gorgeous jewel color dresses up this shilouette enough for a wedding, bridal shower, bachelorette party, event, etc. A simple pair of rose gold heels and clutch in similar tones are perfect.

From Lulu’s. $29.

To Lunch

From Shein. $15.

At $15, this romper is a steal and pretty much necessary in anyone’s wardrobe. It’s so easy to throw this on an a kimono for lunch. Put son lace up sandals, booties, or Vans and you have an outfit for going out to brunch, lunch, shopping, getting you nails done, anything where casual is the look you’re going for.

Sold on Amazon.com for $28.

As you can see, dressing in disgusting weather doesn’t have to be a hassle. Rompers and jumpsuits make your summer life easy. 

Hope you enjoyed this post! If you have any ideas on what posts you’d like to see, comment below! 
πŸ’•πŸ’•πŸ’•

What Clothes Do for Your Mood; Pros & Cons

Color, Culture, Design, fashion, Fashion design, life, money, mood, spring, style, Summer, thoughts

Obviously, I love fashion. That goes without saying. Recently though, I’ve been pondering, what is it about buying clothes and fashion itself that I like? Is it the act of shopping itself? Yes, but it goes deeper than that. I think for most women who love fashion, style is a means to express oneself. Your body is your canvas and you can say whatever you want with it.

The color I’m most attracted to out of Pantone’s picks for spring is definitely Pale Dogwood.

Clothes can heighten yoir your mood. Yes, shopping can be therapy. To me, scrolling through eBay and spring lookbooks is honestly relaxing and I can say 100β„… therapeutic after a long day. Nonetheless, recently I’ve had to ask myself, “Am I relying on shopping for a stress reliever instead of really dealing with my problems?” Recently, the answer is yes. As a result, I’m currently on a #nobuychallenge. I’ve seriously done some damage while seriously upping my spring/summer & work wardrobe game. 

I blame Free People & pictures like this on Free People’s website for making me want every oversized cute cotton sweater I can get my hands on. I’m always cold & they’re so flattering! Love these colors too. πŸ’œπŸ˜©

Yes, I needed a small upgrade, but I think letting yourself get into the habit of overspending as a quick pick me up is dangerous. Maybe these are first world problems, but in a world where stress levels are so high that we find ourselves shopping ourselves out of them, I think there’s a need to readjust. I don’t know about you, but I thought I was a smart shopper for a good while. It turns out, I was just fooling myself.

Anna Sui S/S 2017 Resort Collection. Anna Sui is one of my OG faves. She never dissapoints with her cute quirky style. πŸ’•

I checked my bank account, and this past month I spent a third on clothes and a whole lot on food for lunch at work. I need to start packing a lunch.
 It’s fine if you’re an heiress or some impossibly chic and successful woman who made her own way…I don’t know about you but I’m working on so many goals right now, I can’t afford to waste precious time or hard earned dollars on anything other than essentials. Going back to the pros of being addicted to clothing, they can empower you & make you feel like a whole new woman. Once in a while, they can even turn you into a boss lady.

Rumi Neely.  Fashion Toast was the first blog I was obsessed with. πŸ’— I don’t know if anyone can look as chic in a slip dress as she can.

Yes, I’m going to keep shopping…with limits.
What do you lovely readers think?

The 5 Shoes That Will Get you Through the Whole Summer

fashion, shoes, Shopping, style, Summer, Travel, Uncategorized

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There’s so many shoes in this world and so little time to try and buy them all up. In the words of Carrie Bradshaw, “Men I may not know, but shoes I know.” Really I know enough about men, (sort of) and I love them, but I may love shoes just a tiny bit more. Yes, shoes won’t hug you, but they’re always there to brighten up your day when you need them. Men too..sometimes. Haha!

Anyway, with so many options today, it can be hard to decide what to buy and where to buy it. Yes, we want to spend, we have that part down, but if you’re like me, and you have to shop wisely in order to still be able to eat, you can’t buy any shoe that strikes your fancy. πŸ˜’πŸ˜¬πŸ‘›πŸ‘ 

To be honest, you only need 5 pairs of shoes to get you through the summer. They go with everything and they’re easy to pair up with outfits and accessories. Here are my Β top 5 picks for the summer:

  • 1. The lace up sandal, as shown above. These are by Steve Madden. I’m so in love with this sky blue color right now. I painted my nails that color and have bought so many blue things this summer. Serene and beautiful. πŸ’™ The sandal looks great paired with jeans and dresses.
  • 2. The slide sandal.

 

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These sandals look great with literally everything. Mine are from Gap. They have an easy casual cool that’s so perfect for the summer. Here’s how I styled them:

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As you can see, pink jeans, slide sandals, and flowy tops make me very happy! You can find them at gap.com. πŸ˜‰πŸ‘‘

I also love this simple and cute slide by Michael Kors & here’s how I styled those. (Digging tropical vibes right now.) 🌴 ; You can buy the sandals on Macys.com & the romper at UrbanOutfitters.com.

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  • 3. The espadrille. These cuties are by Sam Edelman. Funny, comfy, and adorbs. What more do you want? Espadrilles in every color? Me too. 🌈 You can buy these at shoebuy.com.
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RosΓ© all day? Yes please! Wait..

  • 4. The espadrille sandal. Seafoam sandal and all accoutrements by Urban Outfitters.

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I love this pretty seafoam green color. Gorgeous and so summery.

5. Vans Authentic Low.

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Nintendo is a throwback to my childhood and Vans are a throwback to my high school days, not to mention being forever cool. Pefect with shorts and a t shirt.

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Loving the simplicity of this look. California through and through.

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Cute & whimsical. πŸ˜€πŸ’œ

So those are my 5 summer shoe picks. Is my list different than yours? If course there’s always room for more…πŸ˜‰

Love,

Maggie ✌❀

Strawberries & Hot Air Balloons

Date, Dresses, fashion, Food, Shopping, Summer, Wedding season, Weddings, Weekend
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Dress found at Sidecca in Burbank

I’m still not done with my quest for summer dresses. This time I was inspired by my love for whimisical things and by wedding season.

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I think this look would be perfect for a casual outdoor summer wedding or for date night. By the way, wouldn’t a wedding in a hot air balloon be fun?

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Strawberry heels forever. Also found at Sidecca

I’m so in love with these shoes. 😍

I think hot air balloons and strawberries are what summer dreams are made of. πŸ˜‰β˜πŸ‰πŸ‘ βœˆπŸ˜

My Top 5 Vacation/Gig Necessities // Vacation/Gig Inspiration

Boho, Denim, fashion, Music, Shopping, Skirts, Summer, Travel, Uncategorized

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So I can’t help wanderlusting lately. Ladies on Instagram flaunting your #bikinis #martinis and #ngaf attitudes while on vacation, I’m looking at you.

  • Swimsuit. My pick above is by Urban Outfitters.
  • Mexican blanket. My pick above is also by Urban Outfitters, but you can find a cheaper one one & here:Β https://www.amols.com/mexican-party-supplies/mexican-blankets/mexican-blanket-unique-design?gclid=Cj0KEQjw7LS6BRDo2Iz23au25OQBEiQAQa6hwOD9APFC3oV7RpFWuL86JwP-b1PhVSgR7MkIWql-PooaAkju8P8HAQ
  • Denim jacket
  • White versatile top
  • Skirt, skort, or shorts.
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Top by Theory, denim jacket by Jessica Simpson, & skort by BCBG

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Ralph Lauren Denim & Supply distressed stars & stripes jeans.

These four items above are so on point for vacations & gigs. They’re versatile, comfortable, cute, & I see myself wearing them over and over again.

So I’ve decided no matter what, I’m going on the road this summer with Chris & Maggie and as a blogger. I need a vacation, but more importantly, road tripping and traveling has been on my bucket list for waaay too long.

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I think I’m obsessed with stripes. Blouse by American Living.

So in summary, I need a vacation loan. All checks can be made payable to Maggie in the Moon.

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My new summer home. #kiddingnotkidding.

Thanks loves 😊✌❀

 

Summer Dresses Obsession

Dresses, fashion, Summer, Uncategorized, Weekend

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Lately I’ve been so into finding the perfect yet-to-be-discovered summer dresses! Here are my two favorites so far, both from Sidecca.

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I absolutely adore this print. The dancers are so unexpected & the green & black is such a pretty & fresh combo.

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As soon as I saw this dress I thought housewife/mom on Mad Men or even Leave it to Beaver.

So there you are. Hope you got some summer vibes from my post. Let the rest of the hunt continue!