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How I Manage To Save Money While Still Loving To Shop

Here is something (maybe) interesting about me: I am crazy frugal, but I absolutely love shopping.

Does that make any sense? Not really. It is an interesting paradox, and people close to me — my mother and my boyfriend, to name a few — spend a lot of time trying to figure it out. How could someone so financially-conscious — someone who writes a weekly budget, panics over most every necessary purchase, scours for deals, and is deeply involved with the online personal finance community — love shopping?

After all, shopping is, at its core, frivolous, unnecessary, and perhaps even materialistic. It is exchanging your money for shit you don’t often need, and doing it recreationally. It is getting another pair of sandals when you could be buying a concert ticket, or funding a vacation. (We all know we’re “supposed” to be spending on experiences only, rather than things.)

It isn’t surprising that people in my life poke fun at the fact that I’m dying to go to Nordstrom this weekend, even though I clip coupons and go to three different grocery stores per month, because I know exactly which items are cheapest at what store.

But it does make sense, and I’ve mentioned it here before: I treat shopping like a hobby.

It doesn’t feel any more unnecessary than knitting or scrapbooking or stamp-collecting or even playing video games. No one would shame someone for using the money leftover at the end of their budget to pursue their scrapbooking hobby — so why is shopping for clothes looked at as something so frivolous?

If you are someone like me — someone who loves clothes, gets heart palpitations when flipping through fashion magazines, and is constantly daydreaming up outfits in your head — and shopping for clothes feels more like a part of you than a thing you do because you’d get fired if you went to work naked, it is okay to accept and acknowledge that recreational shopping might be a hobby for you. And like most hobbies, it comes with a set of rules to make sure you don’t take it too far. (And if you follow the rules, you most likely won’t take it too far — have you ever heard of someone going into massive credit card debt because they are a coin-collecting-hobbyist? Me neither!)

Here are the rules I tend to follow to make my love of shopping budget-friendly:

1. It is totally okay to love shopping, but it isn’t okay if buying fun things takes priority over things that you actually need.

Obviously. And I’m sure you already knew that your hobby shouldn’t take priority over things like your food and shelter and work-life, but it doesn’t hurt to be reminded.

Chelsea’s written about how you need to eat your financial vegetables before your dessert. Which is to say that your dedication to the hobby (both financially and otherwise) needs to come after all other things in your life are taken care of. It is an extra — it can be your favorite extra, but you still have to remember that it isn’t a necessity, and if you don’t necessarily have the funds or financial means, loving something isn’t enough justification to buy it. I mean, of course you love it. It is fucking adorable. But just hold off.

2. Too much of a good thing makes it bad.

The hobby you love so much will lose its magic touch if you justify buying literally every cute thing you see by saying, “I love it, it is my hobby, it is okay!” Moderation is key everywhere. If you like knitting and you buy one of every single possible type of yarn that exists, you have nothing left to work towards or look forward to. Your hobby dies the second you let it become an obsession and just start hoarding and collecting.

3. Acknowledge when it is happening for the wrong reasons.

This one has been important for me in particular, because sometimes I find myself in a store I love browsing through racks of clothes and hardly getting pleasure from it. That is usually when I realize that I’m not doing it as a fun expression of the hobby I enjoy, but rather as a band-aid for some temporary bad feeling. Part of my love of shopping has to do with planning it out, clipping pictures of looks I found in magazines and loved, writing lists of the items I want to buy, and researching different places where I can find them to make sure I find ones I love at a good price.

If I find myself walking through Banana Republic aimlessly, having assigned myself a mission five minutes earlier to get a new dress to wear to a party I’m going to that night, I have to stop and wonder why I feel like I need a new dress right now. Usually, it is because I’m feeling bloated from having a few too many drinks the night before, or because I’m feeling nervous about something, or I’m having a bad skin day, or just feeling generally down and insecure. Spending on your hobbies is supposed to be happy — it is a happy addition to your life, and the minute it becomes a crutch for you to lean on when you’re feeling shitty, it becomes a problem.

*****

These three rules — while perhaps not perfect — are a good guide to keeping yourself on-track and on-budget, even when it comes to extra, non-necessity things like shopping and other hobbies you may enjoy putting some money into. It is okay for us to acknowledge that we like things sometimes — and it is totally okay to want a new pair of jeans just because, and it is totally okay to buy them if you have a certain bit of your budget that is designated towards these types of purchases. You can love things, and you can love shopping, and you can be frugal-as-hell, staying out of debt, and saving money at the same time. (Like me. Seriously.)

Mary writes every day for TFD, and tweets every day for her own personal fulfillment. Talk to her about money and life at mary@thefinancialdiet.com!

Image via Unsplash

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  • Carolina Dietrich

    Yes- you are speaking my language! I think I have a relatively balanced financial diet, and dessert is very important to me (also real life dessert). I’m paying off my student loans in two years, and also building up my professional wardrobe and stocking up on home basics. I’m starting from scratch as I didn’t receive help from my parents. Once a month I allow myself to invest in a good quality piece of clothing that will last me a long time and something that will enrich my life at home. Thanks for sharing!

  • Wolf

    As with all hobbies, I wish that more people thought about ethically sourced items. yes, there are ethically sourced stationery for scrapbooks, just like wool for knitting, and fair trade fashion.

  • Summer

    Enjoyed this piece. It’s just as important to budget for a beloved hobby as it is for anything else, but it’s even more important to realize when you’re letting yourself blur the line between “this is an okay purchase because I value it and will actually use it and I am comfortable spending the money on it right now” and “I should probs just keep an eye on this for later but fuckit I’ll buy it now because hobby.” If you start justifying every little splurge, it’s no longer a treat. Cookbooks have really become this very thing for me, and I often have to stop and ask myself “do I REALLY need this specific book right this minute when I know I have others on the shelf that I haven’t even cooked one recipe from yet?”

  • anon 5

    I vaguely remember you saying something about doing your yoga teacher certification.
    It would be cool if you wrote an article on that and the financial aspects of it!
    My yoga studio is always holding teacher training courses and I always wondered about it pans out financially.