Style Discussion

Category: Style Discussion

Social Shopping- How You Can Save

Have you looked in the mirror today and admired how fly you are all on your own? At this time in your life that little task is one that should not be taken for granted, It could save you a ton on social shopping.

Social Shopping

So now that I have your attention what is this term ‘social shopping’? Social shopping is buying an item just to show it off on social media. I feel kind of silly writing this because it kills me to acknowledge it happens, but sadly so many of my sisters (brothas too) do this. I will remind you now that style has no price tag and a label does not make you more stylish (look at Rita Ora-no shade).  I will also remind you that affordability is not based on your credit card limit, we kind of forget sometimes that this is not money.  So how can you save- identify you’re doing this and stop. You can do it and I know you can because this season you will remember the validation you’re looking for is not on social media.

Are you feeling a little judged? Do not, I am not here to scold you but rather educate and enlighten. I have social shopped before and purchased some expensive stuff worn once for the gram. Looking back that probably was not even my true style, I just fell into a trap. These days I’m growing and learning who I am more and more each day and with the comes confidence that I used to justify elsewhere. So no judgement just awareness and honesty.

How to Save and Identify Social Shopping

Step 1- Decide Who Loves It

Read more

4 Ways to Choose Fall/Winter Investment Pieces

I was indulging in my morning blog reads when I came across a couple of posts that referenced  ‘investment pieces’ for this Fall/Winter season and then it hit me – what is an investment piece ? was it really a worthwhile investment? what makes something an investment piece? 

Investment Pieces
See above item details (here)

We commonly use this term to define items we are willing to spend a little bit more money on, but I wanted to dig a little deeper. A term can become so overused that its steers far away from its true meaning. So what’s the definition of an investment – a thing that is worth buying because it may be profitable or useful in the future – plain and simple? Nah, that definition was not enough for my curious mind so I thought to myself – should a clothing investment be treated just like typical investment? I instantly went for a no answer because clothing is not a real investment. I say real investment because despite what society has taught us, consumer purchases are the total opposite. For example, if you tried to take that $600 jacket to Crossroads tomorrow, with the tag still on, you would probably only walk out with a 100 bucks.  A worthwhile investment would fall into the categories of ownership, lending, and cash equivalents – they do not decrease in value they increase.

Ok, yes, clothing is not an investment but we all are guilty of thinking they are. To keep this post realistic I decided to scratch all the technical definitions and put together a guide to help you buy your next investment piece the right way. If we are going to call clothes, bags, and shoes investments then we should really treat them as such. You would not log onto E•trade and randomly pick a stock to invest in because you were bored, so do not pick your investment items that way either.

Here the 4 things you need to consider before you choose your next investment style purchase-you will possibly save yourself a couple hundred bucks.

 Your Goals– Are you really like really into fashion or is this just a phase for you?  Are you building a wardrobe you can pass along to your children?  Do you actually care about clothing qualities and not aesthetics alone? Your goals should be the first thing you consider before spending hundreds of dollars.  If building a wardrobe is truly something that falls into your life goals someway or another then I would say it is reasonable to spend a little bit more on what you want.

Risk– What is the risk you will lose money on the investment piece? In other words, is the item of good enough quality that it will last a while? Is the item so expensive it will get stolen? Is the coat material so delicate even rain would ruin it? Anything that can have you looking at the item like ‘I can’t believe this happened’ would be a risk.  Choose an item you know will be safe according to your means.

Volatility– Can you wear the item every month out of the year?  Will the investment go out of style in a few short months after a popular spell  to come right back out of nowhere? Volatility refers to how much  and how often something changes (specifically financial instruments).

Expected Return– How much do you expect to get from the item per year? Will you be able to wear the investment for years? If you are able to look at a piece and say ‘I would wear this 5 years from now and still be great’ your expected return is on the high side. The greater the return the greater the risk, and for our purposes this would translate into high cost or even high likelihood of theft from a local hater.

See what I did their? You just learned how to choose your real investments while possibly saving money on clothes.  Each of the four points above are key to choosing your next stock investment, loan, or property purchase.   Each of these four points also tie into formulas which would give you the best type of investment for your situation, so please if you are using these steps to really invest (real investments) use them as a starter guide and do a lot more research. For clothing purposes, if these points are looking good for you then it’s a good investment – go ahead and BUY.

I will close with a few thoughts

• Financial constraints are real – consider before investing • Never put all your eggs in one basket • Your money should be working too • You make the clothes, they don’t make you •

Own Your Style, you do not have to borrow

When has it ever felt good to borrow from someone? I’d say never. Right after you borrow you have to carry the dark cloud of debt only hoping you had the means to do otherwise. This theory goes hand in hand with what may be happening to you (and ME) today, so many stylish women on instagram and blogs to borrow from (Oh don’t worry we will give your style back one day, maybe).

innovation1

First, I should start by mentioning this is more of a therapeutic testimonial for me just as much as it will be inspiration for you. I find myself referencing photos I’ve seen on my some of my fave bloggers when i’m thinking of what to wear. It happens quiet frequently and I just have to purge the image or re-invent the look i’m lusting. Many times people forget finding an originator of something is quiet rare, it’s all been done before, but in this case we ask are you straight up copying (borrowing) or nah?

Get out of debt with me and read below on how to identify you are wearing someones style, own your personal style, and refrain from borrowing.

Read more