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4 Ways to Look More Fashionable Without Breaking the Bank

4 Ways to Look More Fashionable Without Breaking the Bank

Do you want to turn more heads the next time you go out? There are a lot of flashy accessories that you can wear. Unfortunately, many of them cost an arm and a leg.

The good news is that there are many ways to look more fashionable on a tight budget. Follow these tips if you want to dress to impress without breaking the bank.

1. Stick to Timeless Accessories

Many clothing and jewelry stores sell some very unique accessories each year. Many of these items are really popping while they are in style, but lose popularity in less than a year. Here are some of the fads that have gone in and out of style over the past couple of decades:

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  • Flashing LED necklaces
  • Gaucho pants
  • Fake sneaker high heels

If you are on a tight budget, you can’t afford to upgrade to the newest fad every year. You are better off investing in timeless accessories, such as:

  • Vintage black dress
  • Classic hoop earrings
  • Infinity scarf

You can buy a beautiful dress for less than $50. If you are careful, it should last at least five years.

2. Don’t Try New Clothing Brands Online

According to a recent study from Mintel, 62% of customers prefer to shop for clothes online.  It’s hardly surprising that customers prefer buying clothes online, because online retailers tend to offer great deals and don’t require customers to leave their homes.

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However, if you haven’t purchased from a particular retailer before, you should probably try them at a brick-and-mortar store first. Here are a couple reasons:

  • Every brand sizes clothes differently. You may find that most of your dresses are a size 3. However, you may find only a size 4 fits properly if you are trying a new clothing line. The only way you will know is if you try it on first. Unfortunately, it isn’t easy to do that online, even with their simulated dressing rooms.
  • It is a lot more difficult to return clothes to an online retailer.

You can always buy clothes online after you find a good brand.

3. Don’t Sacrifice Your Comfort

Your confidence and stylishness are very tightly linked. You can’t pull off a style if you aren’t comfortable.

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It’s important to make sure you are relaxed and comfortable with your accessories. Here are some tips:

  • Buy heels with good support. Most women feel more attractive in heels, but hate the way they feel. It’s difficult to find a pair that you can walk in gracefully, because they don’t usually provide enough support for your arches. You may want to look into vionic shoes and heels. They have biomechanical orthotics, which provide much better support for your arches.
  • Conservative women may not prefer tight tops. Tight halter tops look great on models and women that are proud to show their curves. However, they aren’t designed for women that like to be more conservative with their appearance. If you are more modest, you may feel self-conscious going out in public with a top that fits tightly around your bust. You may want to buy something more free-fitting that won’t attract unwanted gazes from the opposite sex.
  • Choose lighter scarves. Heavy scarves may be fashionable, but they are too bulky in moderate and warm weather. Opt for something a little lighter. Ann Taylor has some great light scarves, which are comfortable year round.

There is no point wasting money buying something that you won’t be comfortable in.

4. Buy Clothes that Don’t Fall Apart

Many clothes are specifically designed to fall apart after a couple of years. Others are made from poorly woven wool or imported nylon, which don’t last very long.

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You are better off investing in clothes that will last a long time. Tom Cridland and Universal Utility provide a number of clothing lines that are guaranteed to last for years. You can afford to splurge a little with these brands, because you know you won’t be replacing them after a couple of years.

Featured photo credit: Pexels via pexels.com

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Ryan Kh

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Last Updated on March 4, 2019

How to Use Credit Cards While Staying Out of Debt

How to Use Credit Cards While Staying Out of Debt

Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

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Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

Do Not Treat Credit Cards as Your Funding Sources

Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

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I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

Make Sure to Always Pay Off Balances in Full Each Month

The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

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Using Credit Cards with Rewards

Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

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So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

Featured photo credit: Artem Bali via unsplash.com

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