Top Notch Bank

fashion + finance

Month: November, 2015

Instigator

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noun: a person who brings about or initiates something. ex: my mom.

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Tuesday Vibes

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onward.

Need vs. Want

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gird your loins, black friday is less than 5 days away. the day universally known as the kickoff to the holiday shopping season. while many (humble individuals) spend the day shopping for loved ones, i tend to take this day to self evaluate my wardrobe. selfish? not really, i have trouble thinking of thoughtful gifts in crowds…so i leave all my family/friends shopping for cyber monday. (pro tip)

in years past (i.e.: before i vowed to be debt free by my thirties) this would mean how can i get my hands on that gucci purse i’ve been eyeing for the past 7 months. but this year i’m starting to get my priorities straight (yay!!) and realizing the difference between need and want.

below are things i’ve realized are a necessity and things that i’ve realized are just wants:

WANT: sequin anything, snakeskin booties, chrome pants, the whole fall 2015 anthro catalog, over 3 winter coats** especially if you live in miami (cough, cough), boots of any sort (miami), designer handbag(s) (you’re broke)

NEED: black flats, beige pumps, black pumps, white top, black cardigan, black skirt, navy pencil skirt, 2-3 more basic tops, black blazer, 2-3 dresses, blue jeans, white tank

YES the need list is basic, NO it won’t be easy rejecting that 75% off Alice + Olivia sequin floral jacket that has an extra 25% off at checkout but is still weirdly 200 dollars but HEY it’s Black Friday and you deserve this jacket even though you live in a climate that rarely sees anything under 60 degrees (THIS MIGHT BE A PERSONAL STORY!!). the reality is that in the long-term you will feel more guilty purchasing the item than the high of getting ‘such a good deal.’…which we all know is very short-lived.

Remember, you are in DEBT…you don’t have time for trends (YET!) so own the “classic” look and make it WORK.

PLUS girls like us don’t follow trends…we set them.

xx,

A

Tis the Season…

…to go broke. Seriously, the holidays can get expensive ($$$). And since I’m on thrifty mode, I’ve decided that this year my nearest and dearest will receive personalized crafty gifts. The below is a cute, creative and CHEAP gift that anyone would love!

Painted Planter

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Materials Needed (Total: $9.02)

  • Acrylic Paint (Americana – $1.39 – Michaels)
  • 6 inch Terra Cotta Clay Pot (Norcal Pottery – $1.32 – Home Depot)
  • Foam Brush (ArtMinds – $.99 – Michaels)
  • Succulents (Home Depot – $5.32 for one)

Craft Steps

  1. Make a design on your pot (tip: you can use tape to create clean lines)IMG_0140
  2. Choose your paint colors & use the foam brushes to paint your pot IMG_1041
  3. Take a break & let the paint dry
  4. Slowly peel the tape from your pot to reveal the designIMG_0145
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B.R.B.

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everyone pray for me, i’m heading to my favorite city today. $$$

Throwback Thursday

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2007, the year i got my first credit card.

Wednesday Wisdom

If you want to success in your life, remember this phrase. The past does not equal the future. Because you failed yesterday; or all day today, or a moment ago, or for the last six months; the last 16 years, or the last fifty years of life doesn’t mean anything…all that matters is what are you going to do, right now.” – Anthony Robbins

Hump Day

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motivation.

New Year Resolutions

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Yes, it’s November 3, 2015. However there is no time to snooze on your resolutions according to this: article that discusses the importance of creating and starting New Year resolutions EIGHT weeks before January 1st. While this sounds absurd, it actually makes a lot of sense. Think about it, by the time NYE roles around your resolution will be a full-blown habit!! Rather than starting a habit with the masses, you get a head start. GENIUS! Therefore I presented to you my 2016 New Year Resolutions:

Finance

  1. Create: weekly budget – record and account for every expense
  2. Save: receipts – learn where my money goes
  3. Create: 2nd income source – etsy page (make money off of passion)
  4. Stop: mindless shopping – spend money that I have (not will have)
  5. Accept: credit card debt – stop being embarrassed

Personal/Life

  1. Daily walk (at least 30 minutes)
  2. Ban social media after 9pm
  3. Pre-plan meals on Saturday (shop on Sunday)
  4. Do not eat out more than 2 times per week
  5. Blog at least once a week
  6. Plan girls trip – save for trip
  7. No alcohol: Monday – Thursday
  8. Implement meatless Monday’s
  9. Delete negative thoughts regarding money (debt does not equal worth)
  10. Journal daily: be grateful

What are your resolutions?

xx, A