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Old 03-24-2010, 09:21 PM   #41
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Are you not buying clothes because you do not want to spend the money or you do not know what to buy ? If it's that you don't know what to buy I'd suggest getting a few catalogues ( Lands End ,LL Bean ) . They usually have a few outfits put together that are very wearable plus you can mix and match the casual outfits . Lands End offers free shipping and if you do not like the clothes you can return them to Sears . I also love Lee comfort jeans . They are the most comfortable jeans I've ever owned . A lot of stores carry them or you can buy them online . If I was near Ohio I'd definitely shop with you . I'm the queen of bargain shopping .
I hate shopping for clothes. Everything I have is starting to fade and fray. It's been so long I have no idea what size I wear. There's a Sears not far from me.
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Old 03-24-2010, 09:57 PM   #42
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I hate shopping for clothes. Everything I have is starting to fade and fray. It's been so long I have no idea what size I wear. There's a Sears not far from me.
Hopefully they have some Lands end so you can figure out your size ! You can also buy a tape measure and measure your self so you can order online . Lands End even has a virtual model so you can try on their clothes . Most of their clothes are pretty basic but they last forever . If you need any help feel free to PM me .
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Old 03-24-2010, 10:11 PM   #43
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I hate shopping for clothes. Everything I have is starting to fade and fray. It's been so long I have no idea what size I wear. There's a Sears not far from me.
You and me both. I like to find a brand that fits, then when one wears out, replace it with the same. Then I don't have to "shop" for clothes, I just have to buy them. But when one of my favorites becomes unavailable, what a hassle to find a replacement! I think it is natural history filmmaker David Attenborough who takes this to the nth degree, having a wardrobe that consists of several identical pairs of pants, several identical shirts, etc, so he never has to ask himself what he wants to wear.
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Old 03-25-2010, 01:32 AM   #44
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If I'm going to "spend more money" there's 2 general categories:
  1. Materialistic stuff
  2. Experiences
#2 wins, hands down.
Many here, myself included, are in the same camp.

However, there is often this ambiguity. Some "experiences" may require that one acquires "stuff". A wild-life photographer may need to spend a lot more on fancier equipment than my simple snapshot digital camera, for example.
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Old 03-25-2010, 01:40 AM   #45
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No one says you have to spend money. If you are happy and content, why change?
People in that situation are truly blessed, because they do not need more money. Financially, I am better than some people here, but not as well as some others. I always feel I need more money, not necessarily to spend it, but to feel more secure.

But it is true that money does not necessarily bring happiness. There are periods in my life when I was so miserable, but I knew that my problems would not go away if I suddenly became a decamillionaire, or even a hectomillionaire.

Usually, I am in a more normal mood, where additional money would buy a bit more happiness, with diminishing returns of course.
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Old 03-25-2010, 04:32 AM   #46
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Discretionary spending... while you are younger! Your money, your choice.

For DW and I:
  • Travel
  • Entertainment
  • Products and services we want (but are not necessities)
We tend to make careful/prudent choices but we are not intending to deprive ourselves.
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Old 03-25-2010, 07:18 AM   #47
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Originally Posted by Moemg View Post
Are you not buying clothes because you do not want to spend the money or you do not know what to buy ? If it's that you don't know what to buy I'd suggest getting a few catalogues ( Lands End ,LL Bean ) . They usually have a few outfits put together that are very wearable plus you can mix and match the casual outfits . Lands End offers free shipping and if you do not like the clothes you can return them to Sears . I also love Lee comfort jeans . They are the most comfortable jeans I've ever owned . A lot of stores carry them or you can buy them online . If I was near Ohio I'd definitely shop with you . I'm the queen of bargain shopping .
Also, sign up for Lands End emails....very good sales offered.
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Old 03-25-2010, 08:00 AM   #48
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Also, sign up for Lands End emails....very good sales offered.
Lands End has an Overstock section that is interesting too. Great prices and nothing wrong with the items (not seconds).
Overstock, Closeout Clothing at Lands' End

This link has things sorted by Price from Low to High. You can sort it by other criteria. Look for a very small Sort By pull down menu at upper left of clothing images, right under the words Overstock Women's.
Or, look to the left of the clothing images and you will see a vertical list of categories of womens' clothing. Click on different categories to narrow down the items displayed.
Set the page to view 72 per page so you don't have to keep paging through 12 items at a time. Look at upper right of clothing images box for a small pull down menu next to Items 1-xx of xxx.

I don't know your size, but I will post this for the size 12 and up crowd here.
Plus Size Sale & Outlet at Avenue.com and JessicaLondon.com
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Old 03-25-2010, 08:18 AM   #49
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As I'm running ahead of budget as well these are my latest extravegances....(two of the four were budgeted but I feel a whole lot better knowing the other two won't put me in the red)

Dell Netbook PC w/HDTV.
Rented a beach house on the Oregon coast for a week this summer.
Restaining my concrete patio and adding 500 sq ft of decking, pergola, firepit and water feature.
Nice bottle of Barolo to drink while I watch the workers do the patio.

Now if it would just quit snowing so the patio project could get started and I could drink the wine!
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Old 03-25-2010, 09:54 AM   #50
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What have you spent money on that you felt was worth the expense?
Great thought-provoking question, Al!

The Aloha Stadium Swap Meet vendors have these deals on five t-shirts for $20...

But seriously:

1. I've upgraded my "one-time expense" threshold from ~$10 to ~$100. If I'm intrigued by the potential value of a one-time expense but find my sphincters reflexively clenching at the thought of spending that much money, I stop and think it through. I used to automatically decide not to spend because it was "too much". These days, over half of the time I decide to try it and it's almost always worth it. Examples include an online continuing-education course, buying books on Amazon.com after I've been stalking them at the library for a couple years, and taking a Waikiki staycation for a conference to avoid three consecutive days of town rush-hour drives. This "one-time expense" only happens a few times a year, and we still try to avoid recurring expenses which still have no value to us-- like HDTV digital cable bills.

2. Technology that's become a lot more affordable. Several posters talked me into finally buying a wireless router. (Immediate & immense improvement in family quality of life.) TiVo. Kid's cell phone (her money). I helped our kid with her iPod Touch spending decision (her money) and it's been a valuable process leading to a Macbook and an iPhone (college fund money). A new desktop with a "free" 23" monitor. I'm inching perilously closer to buying my first iPod (waiting for the right Craigslist deal).

3. Capital expenses with reasonable paybacks, especially considering inflation. This includes a photovoltaic array, a solar water heater, a water conditioner, EnergyStar appliances, and radiant foil attic insulation. Low-maintenance landscaping. It even includes a lifetime TiVo subscription instead of a monthly/annual plan. The next step is more xeriscaping and an indoor remote-monitoring water meter (to keep a closer eye on leaks).

4. A 2006 Toyota Prius, bought used in 2008 through Craigslist.

5. A literal houseful of upgraded furniture, purchased one piece at a time over several years through Craigslist for at least a 50% discount over retail (and usually 70-80%). Maybe we feel this way because the furniture we bought in our 20s was pretty much destroyed by Navy moves.

6. Big hairy complicated home-improvement projects. If you're going to live in a place for more than five years, it's probably worth figuring out exactly what needs fixing and then seeking professional help. In our case we took almost a decade of discussion/planning to finally repair our backyard lava-rock steps, replace a decrepit concrete lanai, and upgrade our lanai/sidewalks from crappy crumbling FuturaStone to stamped concrete. (A general contractor and two subs.) It's cooler, we love sitting outside on the lanai again, and it's easily returned over 100% to our home value. Next up is a custom pergola to shade the south side of the house, perhaps roofed with more photovoltaic panels to supply recharging power for an electric vehicle. And when our pet bunny goes to his great reward in a few years, we're going to completely renovate the family room that he's been chewing on.

7. Quality power tools. A lot easier to find and a lot less expensive than they used to be. We may rent them if it's not too much of a hassle, but it's even worth buying them for a one-time use and then reselling them over Craigslist. Even 20 years later we appreciate improvements like laser sights, LED task lighting, and better stud finders.

8. Taekwondo. Wish I'd discovered that years ago.

9. Flying in "more legroom" class, business class, and even first class. Well worth it for those 8-10 hour cross-country/international flights. I also try to avoid flying redeye if there's a realistic alternative. It's just not worth the hassle of putting up with airport delays, talkative pilots, screaming babies... all while trying to catch up on sleep and arriving before the hotel room is available for checkin. This only happens once a year or so when I travel on my own. Spouse claims to not be bothered by submarine-densityquality seating but I've had enough of it.

10. Surf school. I'd reached a plateau in my skills and I was hesitant to seek out North Shore spots. Two pros spent 15 hours (over five days) showing my kid and me the breaks, the techniques, and surfboard-design issues. Huge improvement. After the school our kid really got into designing her custom board (an early graduation present) and enjoys surfing more than ever. As a side effect, I now have more places to surf than I can realistically handle... but I'm going to keep trying!

One lifestyle change that we haven't quite figured out yet is "recreational travel". We're great at "travel with a purpose"-- accompanying spouse when she was on Reserve orders, attending family events, or traveling to conferences. But we're still not very good at "what the heck, let's take a cruise next week" travel. We'll work on this in another 136 days when our kid starts college...
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Old 03-25-2010, 10:45 AM   #51
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Is this thread a sign of a market top, similar to when you start getting stock tips from the checkout clerk at the grocery?
Last time I felt this way was December of 2007. You be the judge.
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Old 03-25-2010, 11:23 AM   #52
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I find I am more willing to spend to a limit, however, I still look for trade offs.

Bought a Blue Ray player that allows for Netflix view now. So I upped my internet speed, reduced the number of disk I get from Netflix per month, and added Blue Ray. Total change about $10 a month, but have access to more movies on big TV and sound system.

I'll upgrade the computer sometime this year. I am still stuck on what to get here. Needs to be a desk top, looking for speed, but don't know why, I just want it fast. Thinking of an AMD Phenom processor rather than Intel. Trade off is about $200 in cost.

We will also take a second Cruise this year, once more it is a repositioning cruise which gives us 14 days for $600 plus air fair.

One thing slowing us down is our retirement income comes in four chunks. Two have kicked in and two have not. That other two is almost two thirds of our income. Until then we are working on savings. That slows the spending down considerably.
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Old 03-25-2010, 11:25 AM   #53
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Last time I felt this way was December of 2007. You be the judge.
Maybe we should add "rebalancing" and "taking some off the table" to the lists...
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Old 03-25-2010, 11:34 AM   #54
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Maybe we should add "rebalancing" and "taking some off the table" to the lists...
Not to highjack this thread, but my finger has been hovering over the Exchange button in my equities index fund account all morning. I should rebalance, but putting more money into bonds right now seems dangerous, and I already have too much cash. What to do? What to do?
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Old 03-25-2010, 12:08 PM   #55
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What have you spent money on that you felt was worth the expense?
Maybe this idea would be better for those who posted in that other thread that they feel in touch with their inner child (I didn't).... but my Wii has provided me with many delightful hours of recreation.
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Old 03-25-2010, 12:51 PM   #56
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My inner cheap-old-bastard and my inner-child are frequently at war with one another. Recently the inner-child has gotten smarter, and has been able to convince the cheap-bastard to cut loose with some funds.

The Great Recession had given the cheap dude the upper hand. Whenever the little twerp came by to ask for money the old guy would shout "get out of my yard" "no way, we have to hang on to every penny or we'll be eating Lil Friskies fer dinner!"

The cheap guy is hard-headed, but he does learn the lessons eventually. Like the fact that there is no way to buy an extra second of life to enjoy. And that being too thrifty can lessen the enjoyment of what time there is left, or even add to the frustration level.
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I'll upgrade the computer sometime this year. I am still stuck on what to get here. Needs to be a desk top, looking for speed, but don't know why, I just want it fast. Thinking of an AMD Phenom processor rather than Intel. Trade off is about $200 in cost..
My inner-kid just won this battle a couple of weeks ago. The old system was causing more nightmares than I could stomach and had to be upgraded. For the first time I let the priorities of needs overrule the price concerns. Quad processor, 4 gigs memory, 3 Tb HD's in a RAID 5 array, and a video card that made my eldest (the computer geek) turn green with envy. The reward is that I actually get to use my system to do what I want and need it to do. I still have tons of video rendering I need to do, and I no longer put it off because the system can't handle it very well. Instead of hitting "render" and going away for several hours, now I can render in the background, listen to music, download an online video, and cruise the internet while Quicken is downloading transactions. I still looked at bang for the buck when picking things, it's just that I decided the bang was important this time and didn't always pick the cheaper route. I hit the "shuffle" key sometimes and see all the concurrently running programs smoothly doing their thing and I think "that's how it's supposed to be."
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Old 03-25-2010, 01:31 PM   #57
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Maybe we should add "rebalancing" and "taking some off the table" to the lists...
Yeah. Problem is, everything else stinks now, too. I think that's part of the reason for the runup in stocks. Quality bonds yield 4% and have a lot of interest rate risk and inflation risk at current levels and cash is yielding 1% or less.

I suspect the lack of attractive alternatives has been drawing a lot of money into stocks.
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Old 03-25-2010, 02:14 PM   #58
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Well I guess we're doing our part to "spend more"!

DH just dropped $5K on a new camera body.

Of course, his old camera body is 5 years old and pretty out of date in many key features, and he had taken over 60,000 photos with it.

So, I guess this will be Happy 55th Birthday for him!

(But wait! I thought we were buying him a new house for his birthday!)

Audrey
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Old 03-25-2010, 02:18 PM   #59
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One lifestyle change that we haven't quite figured out yet is "recreational travel". We're great at "travel with a purpose"-- accompanying spouse when she was on Reserve orders, attending family events, or traveling to conferences. But we're still not very good at "what the heck, let's take a cruise next week" travel. We'll work on this in another 136 days when our kid starts college...
Great post Nords!!!!

LOL! If I lived in Hawaii, I'm not sure how much "recreational travel" I'd be doing either - other than inter-island travel, that is.

Audrey
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Old 03-25-2010, 04:56 PM   #60
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Great post Nords!!!!
+1
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