Reformed Shopaholic?

I think I finally turned a page in terms of my shopping habits when the pandemic hit. Something about being in throngs of random people got reeeeeeally uncomfortable at the beginning of 2020, and that discomfort still hasn’t worn off two years later. As such, the way I shop has changed dramatically since then, and I’m gonna pat myself on the back a bit, because my wallet is a bit plumper because of it.

I haven’t been to a mall in a few weeks, and on my last visit, it all evened out because I returned two online purchases that totaled a bit less than what I spent that day. I used to go shopping every few weeks at a minimum, so this is big progress. In addition to curbing my spending by staying away from the mall, my clothing shopping has plummeted because wearing cute clothes is not as fun when you have nowhere to show them off. As of late, I’m working from home (thanks, Omicron!) and thus have less reasons to leave the house. Most of the time, I’m wearing sweatpants or sweatshirt dresses, so my skinny jeans are gathering dust.

The vast majority of my clothing shopping is done online. Poshmark is a favorite as of late. I’ve been able to find new replacements of garments that I wore in college! I’ve also saved hundreds of dollars on designer bags by purchasing gently used ones on the site. When it comes to jewelry, my Etsy favorites list grows by the day, but it’s nice to be able to ponder on potential purchases for several weeks before I take the plunge; resisting the urge to make impulse purchases has become a habit. I’m even considering making it a rule to only spend the profits that I make from my Etsy shop going forward. (I’ll let you know if I stick to it.) I look forward to the day when I don’t feel anxious about walking into a busy mall. But for now, I’m fine with window shopping from the safety of my screen.

Wallet Woes

I’m constantly at odds with my wallet. I love going out with friends and discovering fun places to visit in the city: flea markets, restaurants, museums. But I also find a distinct pleasure in looking at my bank account at the end of the week and seeing that I’ve spent less than $50 on stuff. In the summer, it is all too easy to go outside and frolic in the sun… to go to a rooftop bar for happy hour and while away hours over margaritas and cheese fries.

Winter is a different story: the cold makes me rush home after work to curl up on the couch for an evening of Netflix and whatever Trader Joe’s meal I’ve slapped together for my husband and I. So when I go out and spend $60+ on an unplanned day of tomfoolery, I usually end up pontificating on the day’s purchases, kicking myself for spending money on things I could’ve saved on… “Why did I get a third vodka tonic? I shouldn’tve ordered the soft pretzel sticks; I knew we were going to get ramen later.” Etcetera, etcetera.

I know that this internal dialogue doesn’t solve anything; it’s really just a thing I do when I spend money that I didn’t expect to spend. I kinda wish I could turn that voice off; after all, the memories I make during these outings are priceless, and it’s not as if I’m jeopardizing my monthly student loan payment, or any other necessary expenses. It’s just that, a part of my brain sees these fun, random expenditures as a completely unnecessary money suck, a threat to my personal goal of saving beaucoup bucks for larger future plans.

There is a solution to this, but I’ve pushed it to the side because it requires planning: I need to start a “fun fund” that I dedicate to social outings; a budgeted amount that I set aside each paycheck so that I don’t feel guilty about spending. It needs to be cash. That way, I’m not handing my card over throughout the day an unlimited number of times. It’ll be a challenge, but it’s a challenge I’m willing to take on to instill good spending habits.

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