Shopping


Shopping on a Budget
November 13th, 2011 | 8 Comments

From the Book Bitches on a Budget

  Retailing Lessons

Once upon time, before shopping became theater; before our identities were defined by what we wore; before we became alienated from our core values of family, friends, and charity; before we became the buy-buy-buy, need-it-now generation; before shopping became a substitute for other kinds of pleasure, life was lustier.

Proof?  Weren’t families a whole lot bigger?

Sixty years ago Wal-Mart didn’t exist. Neiman Marcus was only in Texas. Victoria’s Secret was just that—some horny guy’s wet dream. There were few indoor malls, massive chains, or outlet centers. Hard to get your head around, huh? Like fashion itself, the business is in constant flux. It’s hard for even the savviest bitch to keep up. How to deal? Learn the stores. Understand their strategies. Know when merchandise rolls in and when it must go out.

Take back the power!

Brick and Mortar Flows

Bloomie’s, Target, Zara, Nordstom . . . all major stores start each new season with fresh inventories. Planning and buying of merchandise is done based on past season’s sales. Depending on the business, fresh goods roll in at the start of each season and are replenished either monthly or bimonthly. To maintain a fresh feel and to finance future purchases, the merchandise must flow. New goods in—old goods out. This is critical shopping intelligence.

Couple this knowledge with the fact that, at most big chains, seasonal goods arriving on the floor are out of sync with real life. For instance, you live in Chicago. It’s February, zero degrees, and you’re wearing a winter coat as you cruise through your favorite store freaking out at how small the bottoms are on the new bikinis. Hello, it’s February! Months and months away from summer. Yet here’s the summer stock, already beckoning.

Make this craziness work for you. Remember the goods keep flowing, and the merchants must make space for the new stuff by marking the old stuff down. So the winter jacket that arrived in August will be getting marked down just about the time you need it for winter, while the teeny-tiny bikini should be on its second markdown by the time you can go swimming in the lake. This is called clearance.

Don’t be fooled, though. There’s a difference between seasonal clearance and goods bought to be sold on promotion. When the latter happens, a big slug of goods are bought, marked too high, and put on the floor to establish a “regular” price (usually for four to six weeks, but this depends on laws state to state). Later they’re marked down to trick all you budget-minded bitches into thinking you’re getting a bargain.

Be suspicious. If there’s a whole lot of one item on the floor, marked at, say, 20 percent off regular price, chances are it was jacked up and you’re not getting a bargain. Be wary of circulars and catalogs “promoting” items—think about it; you’re a smart B: They bought and planned to promote these goods at “sale: prices months in advance.

Recognize the difference between a clear-out-the-stuff-because-the-season-is-aging kind of sale and a general business-is-so-sucky-we-need-to-motivate-people sale. Normal bitches should respond to a one-day-only-everything-is-on-sale sale only if they need things.

Likewise, take a pass on the stores that offer $50 off a purchase three weeks from now if you spend $250 or more today. See this for what it is—a sleazy seduction to get you into bed again. Succumb only knowing what they are doing to you and only if you have tremendous discipline. Plan precisely how you will spend that $50 three weeks hence—say on sorely needed underwear or bras. Better still, just say no. Since you’re a normal person lacking discipline, you’re likely to be a promotional victim and either miss your seven-day shopping window, or, if you get back in time, spend more than that $50 certificate.

Use the stores—don’t let them use you. The best way is to know what you want (recon) and to keep an eye out for those magical days when clearance and promotions happen simultaneously. Only on these days do we allow ourselves to shop at the high temples of fashion. Say you have been watching a fabulous pair of Robert Clegerie shoes, a Jil Sander sweater, or a Marc Jacobs coat that arrived in August—all orgasmically gorgeous but also hideously expensive, so in this economy they’re still hanging around. Now it’s December/January (May/June for spring merch) and they’re marked down for clearance. Wait. Keep watching. Soon the store needs to do a general promotion to make room for new goods (they just keep coming) and raise some cash. What happens? The waiting pays off. Now you get another 20 or 30 percent on top of the already marked-down price. Pounce. This is the absolute perfect storm of a smart-bitch buy.

In the end, if all else fails, stores still need to move the goods out. They need the space, and any cash in hand is better than an old schmatte sitting on a hanger in the stockroom.






Insurance: The Parachute
August 26th, 2011 | 16 Comments

Insurance is a parachute. If you trip down the stairs, stumble a little, you don’t need it. But if you fall off a cliff? Or the big bad hurricane blows your house down–you’ll be grateful for it. Insurance is not designed to prevent/correct minor problems. It’s designed to keep you from financial ruin.    

There are all kinds of insurance policies to consider.  Wherever you live and whatever kind of insurance you buy make certain to shop around.  Rates are competitive, and some companies have better reputations than others. Think hard about saving money by increasing your deductibles.

Remember, insurance is a business. While their advertisements offer images of big hands and wide umbrellas, don’t for a moment think that they like paying off claims. It reduces their profit margins. So double-do your homework and find an insurance company that has satisfied customers. Don’t depend on your friend’s brother-in-law’s-second-cousin-twice-removed to advise you on which company and which policy to buy. The responsibility to choose a good reputable company is on you— and you alone.

We love our top rated, by Consumer Reports, mutual insurance company ; they are wonderful to work with (our house burned down and they hung in there with us) and if they have a good year they distribute dividends.

Be a smart woman on a budget—cover your assets by investing in the right protection!

 

 

 

 






Groupon in Your Box? Three Rules for Safe Buying
August 3rd, 2011 | 21 Comments

 

We’re here to offer a cautionary tale of what happens when you violate the three basic rules of buying from “The Flash Sale Mob”.

Even though we pride ourselves on being smart shoppers, we are not above falling prey to the lure of the “Flash Sale Mob”. In our book, we lump into this category the likes of Gilt GroupeHaute LookRue La La,,GrouponLiving Social, and Yipit. (Not to mention the hundreds of others who enter the fray daily!)  While they are different in their offerings (sort of) they all operate in the hurry-hurry-click-and-buy-it-this-deal-won’t-last-forever mode of pressure buying.

In order to write about and report on these sites, we need to cruise them and it’s tricky-hard to mind your dollars and sense while spending hours immersed in checking out seductive goodies. Inevitably, this leads to the ‘oy, what was I thinking’ brand of buyers remorse.  While we have an excuse–hey, it’s an occupational hazard–we’re once again sharing our three rules (and transgressions) so you don’t get into click-and-get-it trouble.

Rule #1

Don’t buy anything you are not already in the market for and cannot return.

Rule #2

 

Don’t buy a service you haven’t tried (or at least had a trusted friend tell you is a must-do).

Rule #3

Read the fine print.

 

Violation of Rule #1: Non-returnable Item

A set of new placemats and napkins. Some people have shoe obsessions, others handbags, still others naughty lingerie. Us? Nothing so sexy. We’re suckers for anything that has to do with setting the table. No one should be surprised since there’s food involved in this equation. Anyway, we saw a handsome set of grey placemats by a reputable French linen maker. We’re having a fancy wine dinner and thought, hm, since we’re saving a bundle by having everyone else bring fantastic wines in exchange for our cooking—why not put it into great linen.  (Yes, we think in twisted ways sometimes.)  Perhaps it was punishment, because when we opened the package we were disappointed in the quality of the placemats. They were thinner and lighter than the goods this maker normally manufactures.  FAIL

 

Violation of Rule  #2: Un-vetted Service Provider

 

Of course we’re savvy enough to not bite on the massage being offered by Dan’s Teeth Whitening, Botox, Spa and Grooming Salon. You know the one stop fill’er up, bleach ‘em and wash the dog place that is in a town you know you passed once in your life on the highway. But, when we saw a deal for 60% off a massage at a place we were pretty sure we had tried years ago and was just a block away we clicked. (Hey, we’re stressed out, our deadline for the new manuscript is weeks away.) Well, we didn’t get past taking our shoes off before we decided there were better ways to get bedbugs or be seen on a live stream Girls Girls Girls video in some creeps basement. Awkwardly, we made some excuse about a forgotten pot of soup and a lit burner and fled. FAIL

 

Violation of Rule #3: Didn’t Read the Fine Print

 

This one was really a good deal, honest, tickets to the Merchant of Venice with F Murray Abraham at 50% off. The only problem is we neglected to read the fine print. Unlike, most online tickets that you buy and print out, this one required us to print the voucher and take it to the box office days ahead of the scheduled performance to redeem it for real tickets. Totally our fault. While we sprang for the more expensive seats and thought we had gotten good ones, we ended up scrambling on the day of the performance to redeem the voucher and got the worst seats in the house. Great play. Lousy seats. Impossible acoustics. FAIL.

 

Read the fine print.






Watermelon Pickles
July 24th, 2011 | 6 Comments

 

While shopping at the local farm market we were overcome by a sudden fit of preserve-making enthusiasm and bought a watermelon, an orange cauliflower, cucumbers, turnips, radishes, and carrots. Our first pickling victim was the watermelon. Once we mastered separating the tough outer skin from the rind, this recipe for pickled watermelon rinds was a snap to make.

The result was a gorgeous jar of preserves, where the infusion of star anise, ginger and spicy pink peppercorns added just the right set of flavors to make these watermelon pickles the star attraction of a mid-summer barbecue.

 

Pickled Watermelon Rind

This recipe is adapted from the Momofuku Cookbook

1 watermelon

4 star anise

2 cups rice wine vinegar

1 cup water

2 cups sugar

3 tablespoons kosher salt

2 knobs of fresh peeled ginger

2 tablespoons pink peppercorns

 

Slice the watermelon in half and peel off the outer skin. Cut the rind into 1” squares.

Bring the rest of the ingredients to a boil (stirring until sugar dissolves) and add the rind, continue cooking for one minute. Remove the mixture to an ice bath to stop the cooking. Place in container until fully cooled and refrigerate.

These little lovelies are ready to eat within an hour and will keep in the refrigerator for a week.

Stay tuned for the results from our other pickling experiments and a yummy recipe for watermelon lemonade infused with rosemary simple.

 






The Devil is in the Data
July 6th, 2011 | Comments

Whether you watch videos, listen to music, view photos, browse web pages, or navigate using your cell-phone, if you’re a Verizon Wireless customer starting tomorrow this could cost you more.  Following the lead of AT&T, which announced a similar change a few months ago, Verizon is capping data usage on their cellular plans.

When you go shopping for smart phone plans you’ll need to factor in more than voice minutes and texting, now you’re going to have to be a smart shopper when it comes to your data plan.

To give you an idea of what this means in terms of usage:

-200MB will get you 10 hours of sustained web browsing or 1 hour of streaming video.

-5GB will buy you 250 hours of sustained web browsing and 20 hours of streaming video.

-250 GB will buy you 50 million emails; 62,000 songs; 125 movies.

Verizon will ‘grandfather-in’ existing unlimited data users (as will AT&T), so be certain when you renew your contract or buy a new cellular device that if your plan had unlimited usage that this feature is rolled forward.

 

 






Right-Sizing for Kids: 10 Smart Mama Tips
June 23rd, 2011 | 2 Comments

The guest bloggers are back!  Today, we’re happy to have author Gale Steves, Right-Sizing Your Home – How to Make Your House Fit Your Lifestyle, serve up a dose of smart-sense for every space strapped mama on a budget. Read her post and then tell us your best advice for dealing with playroom clutter. One lucky winner gets a copy of her great new book!

No one ever has enough space, and that is as true for your kids as it is for you. Toys, games, clothes, dolls, stuffed animals, school projects, electronics, and more clog up their spaces, no matter how generous the rooms may be.

Think about maximizing the usefulness of the space they already have. This goes beyond clever storage ideas to delve deep into creating a room that is comfortable and efficient for all their activities.

The bed is the main focus of any bedroom. Opt for timeless design rather than the theme of the moment. Kids tend to outgrow everything somewhat quickly – even their furniture – and they tastes change. Will that bunk bed really work for a cool teenager? With careful planning, whatever bed you choose should serve through several stages of childhood.

It is amazing how much stuff little kids collect, and it never seems to stop. Coping with storage is as continual a battle as cleaning up after that toddler or teen. Consider how much space they might need, and then double it!

Here are ten hints to help:

-A daybed over a trundle bed is the perfect solution for sleepovers

-A storage headboard not only saves space but can hold books, games and toys.

-Bedside cabinets rather than tables offer more storage options

-Bedside lamps mounted on the wall means more rooms by bedside

-Bunk or loft bed components offer different combinations for work and sleep.

-Attach bookcases or shelves to wall to avoid potential tip-over

-Under bed storage drawers are a good answer for bulky or out of season clothes.

-Add room to a small bedroom by thinking vertically. Desktop hutch adds storage plus display space.

-Placing a desk under a top nunk instead of another bed creates a private study area.

-Turn an old trunk into a home for sneakers, shoes and boots – call it “boot camp”.

-Bedside lamps mounted on the wall means more rooms by bedside.

Remember: we’re giving away one copy of the book “Right-Sizing Your Home – How to Make Your House Fit Your Lifestyle” in response to this question

What is your best advice for dealing with play room clutter?

Watch for our new book Smart Mama, Smart Money: How to Raise Happy Healthy Kids Without Breaking the Bank






A Lush Lawn: Low Cost and Eco Friendly
May 14th, 2011 | 1 Comment

We can’t believe we’re writing about lawns. In our own gender-biased way, we’ve consigned the notion of a perfect green to big men chasing little balls or anal men whacking weeds in a quest for control over something.  But our ears perked up when we heard a story on our local public radio station (Go PBS!) about Pearl’s Premium, a new grass seed mix invented by someone in our own backyard.

Who wouldn’t want a lawn you mow once a month? Water once a month–if at all? Grass that grows without chemicals? How about a lawn free of gmo seeds? Turf less likely to get grubs and should outcompete the weeds?  Since we’re all about saving money and being eco-friendly we got really excited.  Actually, we got so excited we forgot for a moment we were thinking about the grass and not shoes with red soles.

The story is that Jackson Madnick, Pearl’s inventor, spent years testing seeds and came up with a naturalized mix that root 12” into the soil. We aren’t ‘lawn-experts’ and can’t say that this is the only seed mix of it’s kind, or that it’s the perfect solution for every climate zone or usage need, but we’re going to give it a try.

Actually to be honest, we’re sending you-know-who out to give it a try!

 

 






Killer Comfy to Die for Cute Espadrilles
May 10th, 2011 | Comments


We found these ‘to die for’ adorable Sophie Thealleat espadrilles at Nine West and the best part about them is that they are killer comfy.

 

From the book Bitches on a Budget:

“Never be a silent fashion victim. DO NOT buy uncomfortable shoes.  Try on shoes at the end of your shopping trip, when your feet are at their most bloated.  Despite what the salesman says, most of the time shoes do not stretch with your foot. (Men are always exaggerating when it comes to size!) If shoes feel bad in the store, they’ll feel bad walking to work. Be honest. Those pumps tossed in the back of your closet, they never felt good and never will. Besides, you spent more on Dr. Scholl’s pads to protect your heels and baby toes from crippling blisters than you spent on the shoes! Vow never to do this again. When in doubt, pass on them.

For normal everyday comfy high-fashion shoes, check out Nine West*. It’s like these babies walked off the catwalk and straight into their shops. Whether online, at the mall, or in their outlet stores, Nine West is a surefire bet. If your basics are covered and you need a shoe fix to zing up your wardrobe, grab a bright-colored peep toe. Don’t let yourself look like a Dorothea Lange photograph! Shoes are the place to add charm and color, and Nine West makes it easy.”

(*By the way, unlike almost everyone else who has a blog or or FB page we do not take ads or get paid or get sent really cute stuff for anything we write about–but, it’s not a bad idea:)

 

 






Hot Pink Polish!
April 14th, 2011 | 2 Comments

2011-04-13-JCrew_two_640.jpg

 

As a general rule we don’t name names when idiots behave badly, so dignifying the Fox News story about a J. Crew ad with a comment crosses our normal boundaries.

But we can’t control ourself and just have to say something.

The story is that the creative director of J. Crew painted her son’s toenails a bright pink for an ad.  Fox picked this up and turned it into a story with “experts” framing a debate about gender identity. Keith Ablow took this on using words like ‘psychological sterilization’ and inferring that kids today are being encouraged to give up their gender identities. What? Hello! This is the most bogus trumped-up waste of air time we’ve seen in a long time.

Aren’t there better angles on the story — like neon pink polish doesn’t look good on anyone but a 5-year-old? Or, why can girls wear pants but if boys wear dresses it’s suddenly material for a book? Really, now.Think about it, a little over a century ago boys routinely wore dresses. Pink was considered a masculine color and blue a feminine color. So, who’s to say when someone is cross dressing? And, more to the point–who cares?

Doesn’t anyone read history anymore? No wonder everything is such a mess.

Fox may have started this, but every time we turn on the television there is another nail-biting story about pink polish. One would think serious news outlets have more important stories to feature than one that is trying to ignite a make-believe gender identity crisis.

As for the J. Crew ad, it’s fresh, it’s cute, it’s delightful. It’s only nail polish for goodness sake.

Jenna, you go girl!

Read more from Rosalyn Hoffman at Bitches on a Budget.

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The Flash Sale Mob
March 31st, 2011 | Comments

Read the fine print.

We’re here to offer a cautionary tale of what happens when you violate the basic rules of buying from “The Flash Sale Mob”.

Even though we pride ourselves on being smart shoppers, we are not above falling prey to the lure of the “Flash Sale Mob”. In our book, we lump into this category the likes of Gilt GroupeHaute LookRue La La,GrouponLiving Social, and Yipit.  While they are different in their offerings (sort of) they all operate in the hurry-hurry-click-and-buy-it-this-deal-won’t-last-forever mode of pressure buying.

In order to write about and report on these sites, we need to cruise them and it’s tricky-hard to mind your dollars and sense while spending hours immersed in checking out seductive goodies. Inevitably, this leads to the ‘oy, what was I thinking’ brand of buyers remorse.  While we have an excuse–hey, it’s an occupational hazard–we’re sharing our rules (and transgressions) so you don’t get into click-and-get-it trouble.

Rule #1

Don’t buy anything you are not already in the market for and cannot return.

Rule #2

 

Don’t buy a service you haven’t tried (or at least had a trusted friend tell you is a must-do).

Rule #3

Read the fine print.

 

Violation of Rule #1: Non-returnable Item

A set of new placemats and napkins. Some people have shoe obsessions, others handbags, still others naughty lingerie. Us? Nothing so sexy. We’re suckers for anything that has to do with setting the table. No one should be surprised since there’s food involved in this equation. Anyway, we saw a handsome set of grey placemats by a reputable French linen maker. We’re having a fancy wine dinner and thought, hm, since we’re saving a bundle by having everyone else bring fantastic wines in exchange for our cooking—why not put it into great linen.  (Yes, we think in twisted ways sometimes.)  Perhaps it was punishment, because when we opened the package we were disappointed in the quality of the placemats. They were thinner and lighter than the goods this maker normally manufactures.  FAIL

 

Violation of Rule  #2: Un-vetted Service Provider

 

Of course we’re savvy enough to not bite on the massage being offered by Dan’s Teeth Whitening, Botox, Spa and Grooming Salon. You know the one stop fill’er up, bleach ‘em and wash the dog place that is in a town you know you passed once in your life on the highway. But, when we saw a deal for 60% off a massage at a place we were pretty sure we had tried years ago and was just a block away we clicked. (Hey, we’re stressed out, our deadline for the new manuscript is weeks away.) Well, we didn’t get past taking our shoes off before we decided there were better ways to get bedbugs or be seen on a live stream Girls Girls Girls video in some creeps basement. Awkwardly, we made some excuse about a forgotten pot of soup and a lit burner and fled. FAIL

 

Violation of Rule #3: Didn’t Read the Fine Print

 

This one was really a good deal, honest, tickets to the Merchant of Venice with F Murray Abraham at 50% off. The only problem is we neglected to read the fine print. Unlike most online tickets that you buy and print out, this one required us to print the voucher and take it to the box office days ahead of the scheduled performance to redeem it for real tickets. Totally our fault. While we sprang for the more expensive seats and thought we had gotten good ones, we ended up scrambling on the day of the performance to redeem the voucher and got the worst seats in the house. Great play. Lousy seats. Impossible acoustics. FAIL.