5 THINGS TO ASK YOURSELF BEFORE BUYING DESIGNER

by Classy Chronicles
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I’ve always been drawn to fabulous finds. When shopping, I normally look for high-quality pieces that will last. Growing up in Austin, we didn’t have access to designer brands. The closest we got to designer was Neiman Marcus Last Call. Fun fact – we didn’t even have a Nordstrom when I lived in Austin. I think Barton Creek Mall finally got a Nordstrom 2 years after I moved.

I learned about designer brands during my freshman year of college. Of course, I knew bigger designers like Louis Vuitton and Gucci but I had never heard of Valentino or Chanel. My first job in Houston was at the Galleria – Dillard’s Post Oak. During my lunch hour, I would walk through Neiman’s and Saks. I would stroll through the aisles with amazement at the well-crafted designer pieces. It was a lot like art to me. The craftsmanship blew my mind.

Over the years, I’ve learned a lot about high fashion and decided to share a few things to help you while shopping. Here are my top 5 things to consider before buying designer pieces:

Is this a timeless piece?

I’ve said it before and I’ll say it again, timeless pieces never go out of style. Think of your classic items like a white button-down, black wide-leg pants, a gold watch, or loafers. These items don’t require annual refreshing. You’re likely to have timeless pieces for a lifetime when well taken care of.

Can I afford this right now?

A good rule of thumb is to not buy anything that you can’t pay for directly out of your checking account. To take this to another level, I’d say avoid buying designer pieces if you don’t have at least 3 times the amount in savings.

One way to afford designer pieces is to save up for your desired item and create a sinking fund. Sinking funds are designated savings accounts for your desired need/want. Example: You can start saving $500 a month towards a car, boat, appliances, cell phone, vacation, or Chanel bag until you have enough saved for the item. This helps you pay cash for your item and avoids racking up credit card debt.

Bonus tip – use your credit card to purchase the item and pay off your statement within the same month. This will give you an opportunity to snag points if your credit card has a rewards program and also helps boost your credit score by paying off the bill on time/early.

 

Read more at http://stacythesurvivor.com/5-things-to-ask-yourself-before-buying-designer/

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