Creating realistic goals

A task that I find myself repeating often is attempting to organize and budget my money. I fill my planner with quotes like “No spending money this week on fast food and clothes!” Then, by the end of the week, I have 2 new shirts and about 9 empty Starbucks cups. I feel so fed up with the fact I simply have no willpower!
So then I thought. Maybe my goals weren’t realistic? I work in 2 malls, of course there will be times when I eat fast food. And, if I don’t put myself in a position to spend money, then I clearly won’t spend money! So I broke out my planner, started a new page, and redid my finance goals until the end of April.

To create a smart budget, I personally think that instead of ‘not allowing’ yourself something, you need to realistically understand you will buy something, and set aside the appropriate worth. So instead of saying ‘no going out to eat this month,’ budget yourself $50 for the month for all food costs, outside the home. If you don’t spend the money, that’s awesome. If you do, then at least you weighed out all your money to support that.

For me, spending my money on clothes I didn’t need was a huge issue. I had absolutely no willpower when it came to telling myself that I didn’t need those 2 new pairs of flats with the studded lion head, in teal and black. To my defence, I did love them all season & they were on sale.. So I figured the best thing I could do was stay out of the situations where I would be spending said money. Which is somewhat hard, working in popular retail stores does make me see a thousand outfits I could see myself wearing. But, I figured it’s time to buckle down and take my credit card away from the malls!

By placing small amounts of a paycheque away, you slowly can create a savings that can be used for literally anything later on. Personally, I created a budget to place $200-300 away every 2 weeks. Depending on how much you’re making, or if there’s something particular you’re wanting to save up for, you can adjust your amounts however. After time, and not spending your saving, you’ll be happily surprised (and accomplished) with how you did.

Creating realistic goals is something of trial and error. You can’t go into a situation planning on spending no money! Always try to over budget, as well, because if you’re giving yourself $75 a month for entertainment, when you’d normally only spend $40, you’ve just basically earned another $35 by the end of that month. Create different goals for yourself to see what works for you!

Are J Brand jeans worth it? Yes!.. And how to save when investing in some.

I believe everybody should have one pair of completely plain, blue jeans. These should flawlessly fit and make you feel confident! I, along with many others, have chose to make mine J Brands. Many people have most likely heard about this brand, and their denim. Known for its comfortable material, and curve hugging fits, J Brand jeans are super popular!

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Pictured here, are their 811 Mid-Rise Skinny Leg jeans, which run for about $210. The price can seem quite steep to many, considering you can get similar looking jeans at American Eagle for around $30. When compared, though, the differences are obvious. J Brand uses denim which stretches nicely, but all while holding shape. After a few hours, or even not washing for a while, they will not be stretched out at all! Spending the extra money on a quality pair of simple jeans is smart because they will last. Getting more confident wear out of an expensive pair of jeans is worth it.

How to save when buying J Brand jeans
A couple hundred on a pair of jeans is steep! I do believe these jeans are worth the money, but that doesn’t make it any easier to spend the money. In Canada we have a popular store called Aritzia which sells many designer brands in one location. Think Nordstom divided by 100, and less department store-ish. About twice a year Aritzia will have massive sales, and that is the smartest time to shop here. J Brands go on sale from $250+, to under $100. If you can’t make it to one of their many locations, they have recently started an online store. During their sales, I find the online store a lot better to shop on because you get to avoid the crowds, and I feel there is a lot more sale product.

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Other notable jeans from this company are the 8112 Rail, which are a straight cut, in one of their most popular fits. For a lighter wash, the 23110 Maria in Lucas is super cute and casual. They have so many different styles, ranging in many colours, coats, and wear.