Sunday Morning Coffee Musings: Mind on My Money and My Money on My Mind

Someone’s Yacht in Orange Beach Pensacola, Alabama

I don’t have to tell you that gas and groceries are high. Most of you are here in America and you have to eat and go back and forth to work so you have been to the pump and the grocery store. Before any of this took place I’d been concerned about finances. I took a long hard look this year at how I spend my money. I had some major things happen and it feels as if my savings account will never recover. It seems as if I get some savings and then before I can build on it, it crumbles.

It is clear to me this morning the key is I must save more. I must make some huge sacrifices and that sacrifice may be no vacations this year. One vacation is already out the door and another has one foot out and one foot in. I am on the fence about it. I should say I am simply prolonging saying “I’m sorry family. But I will not be able to join you this fall for vacation. I need to save.”

I really want to get away from it all. I need to. So, what’s a girl to do? Perhaps I will get away in my own city. A stay-cation sampling the good life of the Uppercrust in my city or maybe, do a vlog of living high off the hog on a budget. Perhaps, I will prepare for an amazing vacation next year or maybe push my vacation back to December. I don’t know.

Inflation and changing my spending habits has been a challenge. I have discovered that if I am restricted for a long period of time of not getting things I want, I tend to binge spend. Yes. I regret it later. But this time, if I play my cards right, I will be able to pad my savings and purchase things I want for myself and for my home. It’s a new month. It’s a new day. I am really grateful that grace and mercy is available every morning but, I need to stop the tangent splurges and not need grace and mercy in that area so often.

~Nikki

Sunday Morning Coffee Musings: How Many Delays but Not Denials?

I mean seriously. How many delays in life can one girl have? I know delays are not denials but, it sure seems like it lately. Maybe I am exaggerating a bit but, I am feeling some frustration about not being able to do EVERYTHING I want to do right now! Yes…whining a bit. However, I know that I must prioritize and sometimes, like this time, sacrifices must be made. Sacrifice never feels good.

So, what can I do to ease the frustration?

  • I can do what I can and not fret about what I cannot do
  • I can find free things to do around the city
  • I can create things to do with family and friends that are cost efficient
  • I can spend time organizing my home
  • I have plenty of crochet work to catch up on
  • I can try new recipes
  • I can spend in nature or on my porch with a cup of coffee or a cocktail
  • I have a book to read for a book club
  • I can start writing my third novel

So, there is much to do. Although, it may not be the other things I want to do, I can still occupy my time and enjoy it. Also, there will come a time, because of the financial sacrifices I am making, I will be able to enjoy the things I want to do, when I want to do them.

~Nikki

Fashion Finds

I don’t know what happened (probably a lack of self-control) but I found this cute purse at TJ Maxx during the holidays while shopping for my nieces. The bargain is it was $19.99. I could not pass it up is the lie I told myself.

And then there is a place I haven’t shopped at since they were supposed to be closing. JC Penny for the win. 70% off these items.

Turquoise Robe and matching sleep shorts.

I thought it was a great idea to purchase this for warmer weather and vacation. Especially at this price. I often buy things in the off season.

A lounge wear option for the spring, summer, and vacation.

This one is from Target. It wasn’t a huge discount but, it was worth the price because of the size. When I moved, I got rid of, donated, so many clothes and shoes. This included old or worn-out pajamas and t-shirts. I did the same thing when I put away my spring/summer clothes.

I lost my favorite 24-hour hot/cold water bottle that I like to keep by my bed in the move. I bet I will find it now lol.

Well, thanks for letting babble about my bargain and fashion finds. There’s more to come.

~Nikki

Fashion Finds & Thrifting!

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Over the holidays, winter break for my teenager, we decided to do something we do from time to time which is thrift. Well, what a fun day it was for us. Usually, we can spend an hour in one place exploring and searching. We even picked up my Mom for part of the adventure.

As you can see in the photo above, two of my best finds were authentic Louis Vuitton and Dooney & Bourke purses. I could not believe my eyes and I checked to make sure they were the real deal. One of the employees that sort and price the purses showed me another purse and how to determine if it was fake. Both of these were marked for 9.98. As I was looking at other purses, a woman that was shopping saw my purses and told me that I could take them to a shoe shop and they would clean them. They would look new.

I also thrifted two pair of pants for 6.98 each. One made by “The Limited”, a wool and lined pair of trousers, and the other was a pair of Casual Lee Jeans. I purchased a brown cardigan for 4.98.

 

These two items I got from a consignment store. Kenneth Cole Reaction shoes for $20 and Corduroy Jacket in plum made by Talbots for half price at $12 and a Nine West Purse not pictured (because my Mom borrowed already!) for $18.

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The week of Christmas I went to Target and found cardigans on clearance for half price.

Well, as you can see, I like to thrift and I like shopping clearance or consignment stores. I love fashion, but I also have limited funds. I try to look my best on a budget.

~Nikki