Featured Posts

winter fashionista on the snow
Outfit Ideas For This Tricky Transition Fall-Winter Weather
Whether you like it or no, the cool weather is around the corner. The good news is that Fall is the best season for fashion because it is the time to master layers, jewel colours and bold accessories. Let’s talk about the must have items for your wardrobe.
View Post
work clothes and louis vuitton bag
Stylish Office Essentials Every Woman Should Own
Looking for the Fall office essentials you'll want to wear to the office? This is the best where you could go! Read about the top stylish workwear clothes for fall to effortlessly incorporate into your existing workwear.
View Post
woman in a winter coat
10 Women’s Winter Wardrobe Essentials
Fighting off those frigid temperatures with appropriately warm and winter-proof ensemble is a walk in the park. Make your wardrobe a sartorial winter wonderland with these essential clothing staples to keep you looking stylish yet feeling all warm and fuzzy during Jack Frost’s favourite time of year.
View Post
To top
19 Dec

How Every Fashonista Can Control Their Finances

fashionistas finances

For those people who love to shop and keep up the latest trends, it can be difficult to control your monthly finances. With platforms such as online shopping and click and collect, it has never been easier to spend money on clothing that we probably shouldn’t. However, no-one likes to see their bank account diminished in the first few seconds of getting paid, and so here are some top tips on controlling your finances and resisting the urge to shop until you drop.

Start a Monthly Budget

 woman finance

Monthly budgeting is the key to understanding how much money you should be spending and how much you need to set aside for bills and other monthly assets. The best way to do this is by creating a simple chart that splits your pay-check into multiple different sections such as rent, bills, and spending money. This will allow you to indulge in a few luxury purchases each month without feeling as if you can’t afford the necessities. This is also a good way to save money, leaving you with extra cash that you can transfer straight to your savings account.

Spread out Purchases

shopping bags

Although it might be tempting to splurge all your money on pay-day, spreading your purchases across the month will mean that you are financially ready for spontaneous purchases if they occur, from your washing machine breaking down to that new dress you’ve seen in the window of your favourite shop. Spreading the cost of these over weeks will also enable you to save more money as it is more likely that you will only spend money on what you want rather than on impromptu purchases that you will regret later. This method works even better if you get paid weekly or fortnightly, as this will mean that your bank account will not diminish quite as fast as usual.

Leave Credit Cards at Home

woman shopping online

To stop the temptation of buying spontaneously, leaving your credit and debit cards at home is an excellent deterrent, meaning that you cannot physically make purchases that you do not need. This is especially important if you are going to the shops or to somewhere that might encourage luxury purchases, such as fairs or markets. If you need to make necessary purchases such as food and travel expenses, deleting your quick payment methods such as contactless and Apple Pay is another way to stem your expenditure by making it less easy for you to spend money, ensuring that you think about the money you are spending.

Don’t go Window Shopping

shopping for bargains

However, if you know that these tips will not stop you spending money, take away any temptation by staying away from the shops completely. This will stop you window shopping or wanting material items that were not noted in your monthly budget. If you feel the need to shop, however, and if avoiding the shops completely is unrealistic, look for sales in high street brands, especially at the end of the season.

Sales normally have reductions on their seasonal clothes between 10 and 75% of the original price, meaning that you can get the clothes you have had your eye on all winter for under half the price. Charity shops also sometimes have a great selection of good quality clothes, and some charity shops now even have a designer section, where you can see everything from branded jackets to dresses for only a couple of pounds.

Online shopping can also save you money as it will allow you to find exactly what you want and keep an eye on your spending – there are also usually online exclusive deals wherein you can get clothes on sale and items that are not usually in shops, allowing you to purchase luxury items without putting stress onto your bank account.

If you have read these tips too late, you can take out a personal loan to help you to consolidate your debt. You can find the best online personal loans for 2018 through loan search websites that compare the best companies for your needs. These allow you to find a loan that can save you money through one organized payment rather than through multiple credit card companies.

Therefore, you can keep control of your finances even when it may seem too late. Additionally, by using our handy tips, you will be able to organize and assess your finances and expenditure in the coming months, allowing you to avoid any unwanted debts or credit card payments.


Related Posts

  • Stay On-Trend And Save Money By Making Your Own ClothesStay On-Trend And Save Money By Making Your Own ClothesIf you’re a creative person who loves fashion, but don’t have the budget to buy a new wardrobe and accessories every season, you might want to think about learning to make your own clothing. See below for some ideas that people who want to learn how to sew their own clothes might find useful. Posted in Lifestyle Blog
  • Tips For Looking Fashionable On a BudgetTips For Looking Fashionable On a BudgetFashion can be expensive, especially if you are looking to keep up with the ever-changing trends.  However, you do not need to break the bank so that you can seem like a fashionista. You need to shop smart. Here are a few tips to looking fashionable on a budget. Posted in Fashion
  • Saving For Your 2020 Wedding? Check Out Our 4 Top Saving TipsSaving For Your 2020 Wedding? Check Out Our 4 Top Saving TipsCongratulations on your engagement! Planning your big day is very much a journey…where more often than not you have to focus on the destination rather than the rather stressful and financially worrying steps you have to take. If you’re looking for some other ways you can save towards […] Posted in Lifestyle Blog
  • Trendy E-Commerce Fashion Sites That Won’t Break the BankTrendy E-Commerce Fashion Sites That Won’t Break the BankEveryone loves getting a bargain, especially when it comes to the latest fashion trends. People who love wearing on-trend styles can easily spend an entire paycheck at a hip boutique or department store. But if fashion is your passion, doing a bit of shopping around online can not only […] Posted in Lifestyle Blog
  • The Top Dating Mobile AppsThe Top Dating Mobile AppsYou have to admit it is single can be tedious. Everyone wants to find their Mr. and Mrs. Right, but then dating can be a long process. However, with the digital world, everything is changing because dating is brought closer to your door. Nowadays there is an app for everything including […] Posted in Lifestyle Blog
  • Looking Your Best Any Time You Walk Out the Front DoorLooking Your Best Any Time You Walk Out the Front DoorImpressions matter in the modern age. You just never know who you'll meet any time you're out and about in public. You can never guess who may spot you when you're totally unaware. If you want to avoid embarrassment and awkward situations galore, then you need to make it a goal to always […] Posted in Lifestyle Blog