Showing posts with label About the Blogger. Show all posts
Showing posts with label About the Blogger. Show all posts

Thursday, July 7, 2011

How to shop like Rachel Zoe on a college student budget (well, almost)

Ok, confession time: I have a lot of really nice clothes. As in, not only could you not tell by looking at me that I'm a broke college student who pinches pennies like it's actually my job, but you might mistake me for someone who has a pretty decent chunk of change. A peek inside my closet reveals a surprising collection of Calvin Klein clothing, as well as other high-end brand names and designers. I mean, OK, maybe it's not quite at Rachel Zoe's level (it's on ANOTHER level, get it? Anyone...? Anyone watch Rachel Zoe? ok. Moving on) but still, it doesn't quite seem to fit the profile of a self-proclaimed broke as hell freebie-loving penny-pinching tightwad such as myself.

So how on earth do I afford this? Well, of course, there's an awful lot of vehement justification - I'm a fashion design major! I NEED expensive, high-end clothing! I support my fellow designers! I'll need these for my future big-girl job! - but I do have a couple of tricks up my sleeve that help me afford my clothing habit. Here are a few tips for those of you who, like me, would rather own a $300 Betsey Johnson jacket than eat real food for a month (THAT JACKET IS SO BEAUTIFUL, you don't even know). Read on!

1. Every time I purchase something, I sell/donate something else. I don't have a lot of stuff in my closet that I never wear. As a fashiony person, I do spend time creating outfits each and every day. My rule is this: If I haven't worn it in 6 months, it might be time to get rid of it. If I haven't worn it in a year, it's DEFINITELY time to get rid of it. I try to make sure that the rotation of my closet is such that every item gets worn on a regular basis, and if something isn't fitting into that rotation, it gets the axe. I sell clothing online via LiveJournal and ebay, to stores like Buffalo Exchange and Plato's Closet, and donate it to Goodwill or the Salvation Army to receive the full value for the clothing back on my tax return (donating akes quite a while to see money back, but it pays out better, honestly). With the money from selling my other clothes, I can go and buy new things!

2. I spend a lot of time hunting around designer discount stores, thrift stores and consignment shops. I'll be honest - 50% of my closet (and my Calvin Klein collection) is from T.J. Maxx and Marshall's. These stores - and stores like them - sell designer clothing, not knockoffs, for a paltry amount of the original price. Whenever there's an error - the wrong button, an unfurnished edge, or perhaps just an over shipment - these stores receive the goods and sell them to us. You don't always know what you'll find in these stores, but you're bound to find SOMETHING good. I also love thrift shopping, but that's almost another entry entirely. To find something good in a thrift store, you pretty much have to spend all day searching, and know exactly what's a "treasure" and not just someone's old clothing. That said, I've found loads of clothes at the Salvation Army. The nicer an area is, the nicer the castoff clothing is. My boyfriend has been the recipient of several boxes of vintage designer button up shirts, most of which I ended up stealing back from him (for my Calvin Klein collection).

3. I shop at one-day designer sale sites, such as HauteLook. I have an entire entry on the wonderful site that is HauteLook, as well as entry on other sites like it. These websites sell designer and brand name clothing at drastically reduced prices during brief private sales to their members. Membership, although invite-only, is FREE, and the best part is that you get credits for referring your friends (when they make a purchase). Every time a good sale is going on, I get on facebook and bug all of my friends about it, and eventually, someone makes a purchase. Say this happens 5 times - that's $50 for me to spend on whatever I want on the site, entirely for FREE. HauteLook is my favorite place to buy high-end makeup products - they often have Stila, Urban Decay, Vincent Longo and Lorac sales, at around 75% off retail price.

4. I prioritize my spending habits - and abstain from buying frivolous purchases in favor of buying expensive things. Basically, you won't ever see me eating at a restaurant - even at a fast food one (unless, of course, I have coupons or there's a free deal going on, in which case you'll ALWAYS see me there). You won't ever see me buy a drink at a gas station, or even a t-shirt. Why is this? Because all of those $7 burritos, $15 t-shirts, and $2.50 sodas add up, and I use that added up cash to fund a big purchase on a high-quality item that will last for a long time and provide a lot of use. The basic items I do have - camis, t-shirts, etc - were either free or are about 4 years old and cost me less than $5. Everything else in my closet is some frou-frou designer brand name high-end silk crap that I saved up for by eating oatmeal for dinner every night for about 5 weeks straight.

Now, this is not something everyone can do. I mean, I really like oatmeal, and don't mind eating it every night, but I'm pretty sure I'm in the minority. But the concept works for other things, too. Say you're a foodie, or you like to travel. Or maybe you're a photography major and all of your gear is $500 minimum.
Well, maybe you go without buying clothing (save the absolutely necessities, like underwear) for 6 months. Or you buy yourself one bottle of alcohol and force yourself to drink only that for 6 months instead of going to bars. Then, after you're done living in squalor, you can splurge all that money you didn't spend on an expensive meal, or a plane ticket! Or that additional $500 camera. This is basically what I do - I prioritize the things I spend money on. For me, clothing is at the top of that list - and food is at the bottom. (Did you know oatmeal is only $.95/lb? I buy that shit in bulk. 1lb of oatmeal is a LOT.)

5. I shop smart. I have an entry with tips and tricks for smart clothes shopping. Before I go out shopping, I research coupons and sales. If I'm out and I see something I love that's too expensive, I leave it in the store and if I can't stop thinking about it, I buy it - if I forget about it, I didn't need to buy it at all. I pay close attention to return policies and ALWAYS leave the tags on my clothing - if I haven't worn it within 2 weeks of purchasing, I return it. I always ask if a store gives a student discount (and many do! I'm researching a list for a future entry, but do always ask - and if you have a military ID, many places discount for that too) and although I do try to take advantage of sales, I don't let them take advantage of ME: if a sale or coupon has a minimum purchase value, for example, I ignore it; it usually just makes you purchase more, hoping to get a better "deal," but you probably would've spent less in the first place if you didn't pay attention to the sale/coupon. It's not about how much you SAVED, but rather, how much you SPENT, so don't let the "$15 off!" signs compel you! There's a good chance that the store just marked it up $15 so they could say it's $15 off. Don't be fooled!

Well, there you have it: my tips for maintaining a rabid clothing addiction without spending more than you can afford. Now you know my secret, and if you happen to see me shoveling free samples into my mouth at the local grocery store (this is my lunch 5 days of the week, not even kidding) wearing a silk blouse and $70 jeans - well, now you know why.

-Lia

P.S. If you're fellow fashion addict, please follow my fashion tumblr! While you're there, follow the BSG tumblr too. Not on tumblr yet? Join the party!

Friday, April 29, 2011

Freebies and Deals of the Week!

Springtime is finally starting to creep up on us here in Kansas City. (For those of you who noticed, yes, I was in Florida last month. If you are at all curious, I was participating in the Walt Disney World College Internship Program. It was awesome, I highly recommend it - please feel free to email me if you want more information about it! Now I'm in Kansas City for the summer. Anyway, back to the blog). Now that you know all about me/my life/my choices, let's get on to those freebies, shall we?

Freebies
Today Only! FREE can of Fancy Feast cat food at PetCo with coupon. Click Here

Free Sample of John Frieda Root Awakening! Click Here

Free sample of Play Lubricant! Awww yeahhhhhhh Click Here

Free sample of Playtex Sport Tampons! Click Here

Free Comic Book Day is May 7, 2011! Click Here to read more about it.

Free Sample of Fiber Choice nutritional supplements! Click Here

Sign-up for Del Taco’s Raving Fan EClub and get a sign-up reward of two free Del Taco chicken soft tacos. Click Here to Sign Up

Free sample of Purex Detergent with Stain Remover! Click Here

Free sample-sized Aveda Aftershave for men! Printable Coupon

Free travel-sized Aveda hand lotion! Printable Coupon

Free 3-piece Aveda Smooth Infusion haircare sample pack! Printable Coupon

Free Bare Escentuals free trial sample kit from Sephora inside JC Penney! Printable Coupon

Free Dream Angels Heavenely perfume from Victoria's Secret! Printable Coupon

In-Store Deals and Coupons

Use this Bath&Body Works coupon to get a FREE travel sized item with any purchase. Try buying the new Into the Wild trial size lotions near the register - they are only $1! You'll get $5 worth of FREE product for $1. Click Here for Coupon

Use THIS Bath&Body Works coupon to get a free Royal Wedding item! Again, try buying those $1 items to get the best deal. Click Here

Hobby Lobby: 40% off One Regular Priced Item through 4/30/2011 Click Here

Michael’s: 20% off Entire Purchase (Including Sale Items) through 4/30/2011 Click Here

JC Penney: $10 off a purchase of $25 or more through 4/30/11 Click Here

Rue 21: 40% off your entire purchase on 4/30/11 ONLY Click Here

Gap and Banana Republic Outlet Stores: 30% off your entire purchase on 4/30/11 ONLY Click Here

Famous Footwear: 30% off entire purchase through 5/1/11 Click Here

Aeropostale: 25% off entire purchase through 5/1/11 Click Here

Aerie: $10 off your entire purchase (making anything less than $10 FREE!) Through 5/1/11 Click Here

New York & Company: $40 off a $100 purchase. Through 5/2/11 Click Here

Macy's: 25% off regular, sale and clearance items through 5/2/11 Click Here

Ulta: $5 off a $10 purchase! through 5/21/11 Click Here

Yankee Candle: Save $10 on a purchase of $25 or more! Through 5/29/2011 Click Here

Restaraunt.com: get $25 coupons for $2 each! Use code "BONUS" at checkout to get 80% off all of your coupons. Click Here

Borders: 50% off any one item! Through 5/7/11. Click Here

Kohl's: 20% off a $100 purchase or 15% off any purchase. Through 5/3/11. Click Here

Payless Shoes: 20% off your purchase. Click Here

Victoria's Secret: Free Lip Gloss with any in-store purchase! Click Here

Friday, January 14, 2011

How I saved $11,700 in college (and you can too!)

You've heard the old cliche, "every little bit counts!" You might call the people who subscribe to that notion "penny-pinchers" in a none-too-kind way. Well, I happily count myself among that group of people. And to demonstrate that penny pinching does, indeed, add up into something significantly more than a few pennies. I present, for your enjoyment, a whole bunch of numbers. (Well, how else are you supposed to believe that I saved $9,600 since starting college??) As a reward for sitting through all the numbers, I took a bunch of pictures of some of the free stuff I had sitting around for a more visual demonstration. (There are more on facebook) The point of this post, essentially, is to prove to you that reading this blog is very much worth your time. You, too, can save this much, and by doing - let's face it - not a whole lot of extra work!

First I'll start with paid-to sites because they actually earn me physical, actual money, not just savings. I've been using paid-to sites since 2007 - aka freshman year - and have made roughly $600 total. So that's an extra $150 a year for simply clicking emails and links occasionally.

When it comes to free stuff (freebies, schwag, etc), I have also been actively getting free stuff since 2007. I get about $250-$300 per year (I figured a minimum of 10 free samples a month - each month varies - valued at $2 each on average, times 12) so a total of roughly $1100 minimum since I started college.

As for general savings I have accrued, there are a few main areas where I save significantly:

Groceries: I spend about $50 a month, the average person spends about $150 a month. that's $1200 savings/year. More on thrifty grocery shopping in this entry.

Textbooks, I save about $300 a semester selling back and buying carefully - read more on that here. The average college student spends probably $600. That's twice a year, so $600 savings/year.

Clothing, I spend a lot on clothing but I buy all of it at reduced prices! I'd say I save $800 each semester if you take the reduced price from what the full retail price would have been if I'd paid it. Read more on thrifty clothes shopping here and here. Savings: $1600/year.

Eating out, I use Restaurant.com coupons with emailed 80% off codes (making a $25 gift certificate cost only $2) and I also save with things like birthday freebies, email clubs that send free appetizer coupons and such, and finding coupons online before I go out anywhere. I'd say I save about $300 a semester, so $600/year.

Total savings: $4,000 a year

I've been consciously saving for only about 2.5 years though. So that's a total of $10,000. Adding in $600 for paid-to sites and $1100 of freebies, and I've saved $11,700 or so since I began college. Not bad! See what I mean about how every penny counts?

Now, onto the photos!


Lots of freebies! These come from all over, so ask me if you have any questions about where I got specific ones. The perfume samples are all awesome for travelling or putting in my purse or gym bag to carry around. Actually, so are all the little bath/beauty samples. I never have to buy travel-sized anything!

I get a lot of free magazine subscriptions. I stopped paying for magazines a long time ago!

Freebies from Hautelook.com, one of my favorite sites to shop at with free credits for referrals!

These were ALL 100% free!! On my last trip to the grocery store I got $40 worth of free groceries, thanks to coupons I got from writing to companies!

These are coupons I received from writing companies! The ones with that big, bold, FREE on them are obviously my favorites. They got me lots of free groceries!

I've received a couple of these gift cards from MyPoints.com (comment for an invite) and about $50 worth of e-gift cards to Amazon from Swagbucks. They're perfect for buying Christmas presents for everyone on my list!

Freebies I've recieved! Pictured here: Tangled Disney free tote bag from Earth Day (my boyfriend has the Mickey Mouse one!); free Origins cleanser from Earth Day; free Too Faced palette from Sephora Beauty Insider VIB 500 point perk; Free Beauty Bag from Target with Fredrick Fekkai shampoo/conditioner sample, Nivea lotion, Pantene shampoo, Neutrogena lip balm, and Revlon lipstick; 2 free comic books from Free Comic Book day last year (coming up on May 7th!); cup, cupholder, mints and pen from a free career day event; Free Hallmark cards from a free career day event; Free Bath & Body Works Into the Wild lotion and Signature Item lotion (free with purchase using coupon); Victoria's Secret Dream Angels Heavenly Perfume Sample. Whew!


You can see more pictures on the Broke Student Guide Facebook page, and be sure to "Like" us to receive daily status updates on free sample opportunities, new entries and more!

Monday, October 25, 2010

Introduction

My name is Lia, and I am a poor college student. (everybody now, in unison: "Hello, Lia!") In order to make ends meet, I have become very adept at finding interesting, clever, and sometimes odd ways to make or save money. I am here to share my tips with you. Even if you are not a college student, my tips will help anyone looking for pocket change or extra cash. It's not a substitute for a real job, but it just might get you by - or, at least, help you to save up for some stuff you don't need but really want. I don't judge!

So who am I, really, and why do I know so much about this money thing? (AKA, why should you listen to me?) Let me introduce myself in more detail. I'm a senior at Indiana University in Bloomington, IN, a really awesome college town that I absolutely love. I'm an Apparel Merchandising Major with a Business Minor, which means I had to take all the gen-eds plus business classes like econ and marketing plus apparel-related classes like Retail Math and Global Trade. But I'm also in a Fashion Certificate program, which is smaller than a major but WAY bigger than a minor. It eats up all of my "free time" and is essentially an art major. What this means is that not only is all my time spent in the sewing lab creating and designing garments, but I also have to spend lots of money on supplies like fabric and buttons, as well as illustration supplies like markers and sketchbooks. Hence, I'm a super busy, broke college student.

Financially, my parents are nice enough to take care of all the big bills: tuition, insurance (car/health), cell phone, room/board. They also give me a small stipent each a month to cover everything else: food, household supplies for my apartment, textbooks/school supplies, entertainment, and clothes/beauty items. Money is ... tight. So I have a couple of extra money-makers: I do mystery shopping, I use paid-to sites online to bring in income, and I take every opportunity I can find to earn extra cash.

I don't have a part-time or full time job right now, though I do have savings left over from working 3 jobs this summer. Why don't I have a job if I'm so broke, you ask? Simple: I have free no time! Every second of my day is taken up with school - I'm usually on campus from 8am to 12am. When I'm not on campus, I'm sewing something, grocery shopping, doing a mystery shop job, or attempting to maintain some semblance of a social life. Since I have no time to devote to a real job, I cut every corner I can and bring in as much extra change as I can muster. Here are some of the techniques I use:

1. Online paid-to websites. These sites pay real money for you to do things like click advertiser links, take surveys to supply them with demographic/marketing research, shop at their sponsor's site, sign up for newsletters, etc. These take up a major chunk of my extra cash, and I'll be recommending and reviewing my favorite sites in the blog.
2. Freebies. I'm a total freebie junkie. A lot of companies with new products want to generate buzz and brand loyalty, so they literally will send you free products. If you can find them, you can get them sent to you! Some companies will also send you free-product coupons for writing them and complimenting them, as I found out one lucky month. I haven't paid for toothpaste, tampons, or cereal bars in months thanks to my insane freebie hunting. I'll be sharing my best freebie finds with you.
3. Coupons, Sales, and Mail-In Rebates. I always coupon-hunt before I purchase anything, and I've been known to wait for months for a sale to stock up on whatever I need. I'll be posting sales, coupons, and reporting on mail-in rebates (which sound sketchy, but are, in fact, legit as I found out!) in the blog.
4. Thrift/Secondhand Stores. I scour Salvation Army like nobody's business. I get everything from school supplies to purses to, obviously, clothing there for CHEAP. I'll share my best thrift store shopping tips as well as my favorite finds with you!
5. Selling stuff I don't use/need/want. I sell on everything from amazon to ebay to craigslist to Plato's Closet. If you have some extra stuff lying around, I'll be listing tips on what to sell, when to sell it and where it'll get you the most money.
6. On campus there are LOADS of things you never thought you could take advantage of: everything from free pens to free silverware and paper towels, paid studies, and free career counseling can be found on your college campus. I'll help you to take advantage of everything that you never thought your college could do for you!
7. Spending smart! When I do buy things, I have a lot of guidelines that I follow to make sure I don't end up wasting the little money I do have: smart shopping is a necessary tool for every broke student. I'll give you advice on shopping so that you never waste your money.

Every weekday will have one of those 7 themes. Check back in soon to start learning how to stretch your dollar! Until then, I'm off to the sewing lab!
-Lia
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