Designer Digs on a Dime

 

My first rule of thumb when shopping for clothes is to never leave the house thinking that you have to buy something. Any savvy shopper will tell you they find the best deals when they aren't looking. If you must have something, set a limit for how much you will spend before you leave the house.

General Shopping Tips:

Clearance Racks are your Friend: When you go into a store head straight for the clearance racks. Ignore all of the full-price items right inside the door and in the window, even if it has a sale sign on it. "Sale" doesn't always mean it's a good deal. Peruse the clearance racks and if you don't find anything you have permission to glance at the full-price racks. If you find something you like, check the price before you fall in love with it or even look for your size. If it's too expensive, move on.

Don't Feel Obligated: I used to feel obligated to buy something when an employee gave me advice or helped me in a store. Remember that you don't have to buy anything. You are the customer and the employee is probably being nice to you because they make commission on what you buy. Don't ever buy something if you don't need it... no matter how nice the employee is.

Don't be Afraid to Ask: If you find a full-price item that "you can't live without," ask an employee if it will be on sale anytime soon. If he or she says yes, have some self control and come back during sale time. The employee might say no, but if you open a store credit card you can save 10% today. Before you say yes, think of how much you will be saving, is it worth it? If the card has an annual fee, you may be paying more than you are saving. Most of the time, these cards are not a good idea, especially since Americans have a tendency to abuse credit. Getting yourself into credit card debt will not save you money, so don't do it!

Imperfections are OK: I love stores like TJ Maxx and Marshalls because they have unique items for fairly inexpensive prices. Some items have slight imperfections, but they aren't always noticeable. It's always worth a look.            
            Another trick I learned recently is that retail stores sometimes give discounts for imperfect items in their stores. I was buying a silky dress at JCPenney and it had a small snag in it, nothing noticeable but it was still there. I asked the employee if there were any other dresses in the back room in the same size. She said no but she would give me a discount because of the imperfection. It was the highlight of my day.

 

It's ok to be Picky: I will try on 5,000 items before I buy one thing. If it doesn't fit, I don't buy it. I've learned my lesson. I will not pay extra money to get those pants hemmed or that jacket taken in; they will just sit in my closet and collect dust until the next time I move and have to purge my wardrobe. We all like to think we'll lose weight or grow an inch taller to fit into those clothes, but the truth is you probably won't. Buy clothes that fit.

Shy away from trendy clothes. Will you really wear those $80 zebra pumps as long as you would wear a pair of classic black ballet flats? Before you buy something, think, “will I still want to wear this in two years?”

 

Shop consignment! Many consignment shops are locally owned small businesses, and haggling might just work. I once got a pair of beautiful boots that were marked $30 for $20 just by asking if the owner would be willing to take less. She said yes and like magic, I saved $10 just by asking. If you are self conscious about asking for a discount, don't worry about it, the worst that can happen is they say no.

Trade clothes with friends: Chances are you don't wear everything in your closet. Ask a friend if he or she would be willing to let you borrow some items in exchange for some of yours. Even if you aren't the exact same size you can trade purses, jewelry, etc.

Shop out of Season: Need a new swimming suit? Look for one at the end of summer when everything is on clearance. I found a new swimming suit last year for $4 at Old Navy. Yes, the selection is picked over, but hunting is part of the fun. I found a solid color top and a patterned bottom that coordinated with the color of the top. I don't think they were intended to be purchased as a set, but it works.

Have a favorite store? Make friends with the employees and find out when they typically mark down clothes. Better yet, if you are a die-hard fan, take a part-time job at your favorite store to get an even better discount. However, be careful or your whole paycheck will go to your clothing addiction. Remember all you shopaholics, clothes are just a tool to keep us warm and decent, there are more important things to spend money on like food and rent.

 

After some deliberation, and some slightly violent rattling of the fates’ cages by pigeonholing Julie as this, that or the other, she happily acquiesces that she doesn’t mind being called the “Cheap Chick.”