By Me
I recommend that Asha, a recent client, she in a long-lasting leather handbags investment. Asha said that she simply can not afford to spend over 300 yuan. On this remarkable is that once we analyze the recent purchase of her clothes, and we realize that she's spending on clothes about 300 yuan per month! Asha had actually suffered concussion and has become a habit to buy quantity, not quality. The end result is that her wardrobe is basically the joints in the blast and the poor quality of discount clothing. Finally, Aisha actually cost 3600 U.S. dollars per year (nearly 10% of her salary is 37,000 yuan function and style of the lack of a wardrobe).
The establishment of the budget was a very difficult question to answer from the general point of view, because each person's financial situation is different and clothing. If you have a job, you work in a relaxed environment for your everyday clothes and some can be incorporated into the daily work of your clothes, I guess the clothing allowance, somewhere around 7%. For those in a more professional office environment, I hope you dress up as part of the overall promotional part of that may affect your ability to work factors; I estimate that about 10% of your pay. Remember, this budget should include the conversion costs and professional cleaning services. Equally important to note that if you are maintaining the family's wages, that you have a child or spouse must allocate the money as part of their clothing allowance, as well.
Example 1: Asha in a business casual environment. Her salary is 37,000 yuan. Her clothing allowance is: 2590 U.S. dollars.
Example 2: Elaine engineering business environment. Her wage is 85,000 U.S. dollars. Her clothing allowance is: 8500 U.S. dollars.
1. Investment conditions in the investment: investment piece is - "investment" works! So, do not be afraid to spend is to create a wardrobe classic features a little more money. Discount stores, such as the Marshall Islands, the 21st century, and the Director of Social Welfare will have some very valuable findings, but it is important that you do not get distracted, turned into a classic standard in the store shopping. For classical, I recommend shopping at a formula. Formula is usually a professional retail shop store, the key basis for the stock market. Some of the great formula stores Gap, Ann Taylor's LOFT, and limited. Great store on the formula thing is, once you find the size and style is best for you, you can easily buy the season and the season. A classic shape of these is to buy skirts, pants, jeans, button manufactures a large shop, T-shirts, tanks and all kinds of camis.
2. Do not be a label prostitutes: When it comes to beautiful dresses, handbags, shoes and scarves are also some fundamental par-leading designer, but simply focus on collection of clothing, there is a label, label design, no matter how flattering all of your efforts renovation project or good - is not a good option.
3. The concept of cost for each to wear: to go back to my example describes a previous expenditure of 300 yuan Aisha leather handbags. Leather handbags, is an investment in a few months or years can be carried out. If Aisha was just 6 months, her handbag, the cost is $ 50 per wear. I will discuss in more detail the cost per wear of the concept in a recent post.
4. No: I know some people this seems incredible, but I think if you believe that you are always tempted to card shops buzzing into the mood up to that, projects and budgets and in you go. If you carry the shopping activities, particularly large amount of debt from the past () you really need to consider long and hard to drum 7-10% of the revenue your clothes. Experience, I often use a simple rule is "Do not buy it unless you can afford two." No, I'm not saying you should buy two of all, but I have proposed is that every time you buy something You apply the same amount and repay its debt or to the savings. So in fact, that 300 yuan of the bag now cost you 600 yuan, 300 yuan to buy dollars in savings or other debts to pay 300. Your clothing budget meet or exceed the amount of debt you want to save or apply.
5. Set Auto: Now that you have set up your clothing budget, the only solution will adhere to it, is to make automatic. Here are two great ideas in fact stay in the budget.
Low-tech options: If your budget allows for the 200 spent a month clothes. Placed in an envelope on the amount of cash. Clothes shopping only the envelope is. Once this amount has been exhausted after this month you your clothing budget.
High-tech options: set up a separate checking account (I recommend the Netherlands Orange account), and a specific amount deposited into your account on a regular basis, such as 50 dollars a week. Clothes shopping can only use a debit card associated with this checking account. The benefits of this program is that if you are not a person on a weekly or monthly basis to continue to grow money on your long-awaited shopping spree Who store.
6. Maximize your budget: Jimmy Choo's shoes are no longer 500. This is 500 minus 165 on eBay, you will be selling their next year. E-Bay and consignment shops stretching your clothing allowance for the great source. If you do not have in your closet of designer clothes a lot you can still get some to make tax-free donation to the local goodwill or charity of financial benefits.
