Big News – Poshmark Wholesale Portal

Poshmark has just announced a big change and I think I’m looking to really ramp up my involvement on this app!

If you haven’t yet heard of Poshmark, it is an app that is a marketplace for selling used women’s clothing. People have been using this platform as a way to get rid of clothing they no longer use for a bit of cash, sell those new with tag items that missed the return date, and even start an online boutique! Well, that third piece, an online boutique, has just gotten easier.

Poshmark announced last month that they are going to offer a portal, all within the app, that allows you to buy wholesale goods, get them shipped to you, and post to your closet for whatever price you deem fitting. This is very exciting news, especially for someone like me who has thought about opening an online store, but hasn’t had time to fully commit to it!

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The wholesale portal will offer a limited number of retailers at first, but I’m sure they will grow quickly! I have to say, I’m not overly excited about the first 4 retailers they presented to top sellers who already have their wholesale / retail certification. The broad categories these retailers offered were graphic tees, purses/accessories, and socks… I’m looking for a little more, but hopeful this portal will amp up quickly!

I’m most excited that Poshmark has taken down some of the barriers to entry that are involved with buying wholesale. I don’t have to go to tradeshows, I don’t have to pay a business license, and Poshmark handles all of the shipping, financial aspect, etc… I just need some overhead cash to purchase, a place to photograph my items, and storage. It is a great way to try it out!

Have you heard of the new wholesale portal? Have you shopped on Poshmark before, or sold? I am also starting to offer spaces in my closet for your clothes if you are wanting to sell, but don’t really want to put the time/effort into it!

Christine

The Handbag I Chose Instead

It was on sale, and it NEVER goes on sale, so I quickly logged into my Nordstrom account and purchased my new bag for pickup. I was pretty sure it was what I wanted, but as soon as I clicked “confirm’, I thought otherwise.

Michael Kors has always been a brand I looked to for style inspiration and really coveted their bags, but to me, their brand has been in a recent spiral down. During college, EVERYONE had to have the big watch, and in recent years, it was all about their bags. Scrolling through Poshmark, it was hard to not submit an offer on the bags listed all over the place. But, I’m starting to realize why I regretted my decision to click “confirm” and purchase a black leather Selma satchel from Michael Kors – their brand was losing.

Over the past couple years, MK has been expanding its brand line to have many price ranges and so many different styles for every budget. It is getting overplayed and overly purchased, and I am over it. When I first saw someone sporting the Selma bag I had purchased, I adored it! But now, their brand is so highly available that this exclusivity is corroding.

I can talk on and on about the brand, and why I loved it, and now why I’m avoiding it, but I wanted to go into what I think is next, and what I’ll be buying and saving up for.

Rebecca Minkoff – I swear that her Mini MACs are the greatest cross-bodies – I own two and want more. Her designs are stylish and practical. The brand is its own, complete with the long tassels. I actually purchased the MAB satchel shown (in smoke) and cannot wait to make it my everyday bag!

RM

Love Quilted Crossbody / MAB Tote / MAC Crossbody

Tory Burch – Classic American with a touch of bohemian, you can never go wrong. The bags can be a bit heavy from reviews I have seen, but with leather that is what you get. They are a bit on the pricier side from this list, but I believe it is worth the investment. It’s going to be my next big bag purchase.

TB

Frances SatchelDouble Zip Tote / Marion Tote

Kate Spade – I’m actually happy that they removed Kate Spade Saturday (and Jack Spade) from their brand lines. It degraded the brand a bit by offering that lower price tier. Funny enough, KSS evolved from a Target collaboration that never panned out (Lilly, I’m looking at you, tisk tisk). Sidenote: Target collabs are a quick way to kill your brand from my own personal opinion. Kate Spade is for the pretty, but their clean lines have drawn me in and I would love a few of their totes for work and wallets to keep everything organized.

KS

Shoulder Bag / Wallet / Satchel

Marc Jacobs – His hip couture as I somewhat see it is one of my favorite to combine classy (they used to work for LV, funny enough) and laid back into one. I love his bags for everyday and weekends, as well as his accessories.The watch I wear daily is by Marc and linked below.

MJ

Hobo / Watch / Drawstring Bag

These are all very mainstream brands – which ones do you find yourself gravitating towards? Any brands you love that aren’t listed?

Christine

Debt Accountability Check 3 – Capsule Peek

Another debt accountability check, but currently my finances are so up in the air that I can’t report on where I actually stand! So for today’s post, I thought I’d dive into why I am unable to report, and how I am working on my capsule collection I’ll be sharing (hopefully) next week!

Building a capsule when you love shopping online and have little time for actually going to different malls and stores has it’s benefits and downfalls. When I started building my capsule for this spring, I realized I was missing a lot of items. I wrote out a skeleton of items I wanted to include, very general descriptions, such as “black top” and started shopping away!

Well, when I was shopping away I would order 10 different varieties of one item, such as 10 different black tops to choose from. This has proved interesting, as I have really been working out those credit cards, only to take the time to return items later on in stores. I’m building up rewards on my cards and store accounts, and getting a wider variety of items to decide on than if I were just in store. I feel that it has cut out a lot of time that shopping can take up.

However, with all of those purchases, it takes time to return everything and get it posted onto my account, and that my friends is why my cards are out of whack. I have been tracking my final
decisions, and paying them off in full as I make decisions, but there are a lot of boxes still sitting in my apartment to be returned. I’m ready to get them all out of there, and see what I’ve actually spent on this spring collection. I’ve focused on quality, great deals on those quality items, and making sure I absolutely love the pieces I mark as final.

Since I’m not going into finances, I thought I would share a few items I’ve added to my closet for spring!

SneakPeek1

Striped Shirt / Wedges / Booties / Floral Kimono

I’ll be sure that my accounts are leveled out next month to provide a better update, and hopefully I’ll positively be out of debt!!

Do you online shop? What are your favorite stores, especially those with great shipping and return policies?

Christine

Charleston in a Weekend

Chucktown, what a delicious city! I was so happy to visit again for a long weekend, and the best part is that two of my best friends now live there, so double the reason to head east! There was so much to do and taste in such a short amount of time, and I am fairly impressed by what we accomplished in the one full day I was there.

It’s about a 5 hour drive from Atlanta, and I was so ready to get there just in time for dinner! We met up at Prohibition, a modern American restaurant with waiters in Southern Proper ties and bartenders slinging creative cocktails in suspenders. They had beautiful caged lights to bring the rustic theme, as well as dark wood and tall steel barstools. I absolutely loved the throwback this restaurant’s vibe put off in such a modern and fresh way. The food and drinks lived up to the look as well. I enjoyed their strawberry mojito, the Carolina Roll and of course we split the blueberry basket, which has a deceiving name as it is actually french toast, with a Special K batter to give it crunch, and a blueberry ice cream scoop in the middle.

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After dinner, we got to stroll the streets to Theatre 99, the local, and surprisingly cheap, improv comedy theatre. They had a Improv Smackdown competition that night, and I could not stop laughing at the talent up there! Brandy Sullivan, one of the owners of Theatre 99, performed and I cannot wait to go back just to see her again. The quickness and hilarity these people come up with on the spot is something way beyond my talent level. I think this place is going to be a must-go each and every time I visit. While there, I also tried a local beer from Holy City called Washout Wheat, a perfect spring Hefeweizen. I really want to actually head to this brewery next time.

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Afterwards we walked to Kaminsky’s, a dessert and drink bar perfect for a late night sweet tooth! They had about a 20-30 minute wait to seat the three of us, so we put our names down and headed to the Charleston City Market. We discovered they host a night market on Fridays and Saturdays. You beat the craziness of the day market, and every artist there must handmake their products, creating a very eclectic and artistic scene to stroll through at night.

After a bit of window shopping, we arrive back at Kaminsky’s just in time to grab our seats. When you walk in, you first pick out a cake or pie you want from their display. I picked out the Coconut Creme Pie, which was a great decision! I believe it is their number two seller, with their Toll House pie being their first. I also got a Kahlua Espresso to go with the pie. It was a little bit of an overload with the two combined, but I took on the challenge! Winning.

The one thing I love about Charleston that is hard to say for Atlanta is that most things in the downtown area are all walking distance. It may be a 20 minute walk, but still doable. Bring your walking shoes when you visit!

The next morning, we made our first stop the sweetest at Glazed. I of course had to try two – the Maple Bacon and the Key Lime Pie. Both oh so good!! We needed a real meal though, so we start walking and shopping just a little bit until we arrived at Toast for another great meal. The place is small and not very trendy, but the people were welcoming and their jalapeno-infused vodka they used for my bloody mary was on point! We beat the breakfast rush too by enjoying our meal later in the day, which was a huge plus and created very little wait time. I ordered the Eggs Meeting Street, recommended by our waiter, which has a fried green tomato, crab cake, and a poached egg. The real star of the meal was the biscuit though!

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We then started our walking and shopping for the day. I never realized how much shopping there was in Charleston!! We were in and out of stores for probably 4 hours, checking out everything and on the search for the perfect romper. Of course, we still landed in Anthropologie where I am pretty sure I will be picking up their Capri Blue Volcano scent candles, a cocoon dress, some dishtowels, and this little black romper in the future.

Anthro

So much shopping and friend time was had – it felt good to spend time with both of my favorite ladies, and it wasn’t even over! A completely unplanned event happened this weekend too – my cousin from Connecticut and her boyfriend just happened to be visiting Charleston that same weekend! We all met up at Poogan’s Porch for dinner later that night. Poogan’s is actually a haunted house, where two sisters both passed at different times. One of them is seen looking out the window near where we dined often. The police have actually been called before saying that someone was inside, only for them to find nothing. Very creepy!!

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Another great food and drink stop here, but you must try their cocktails! Apparently their bartender won a ton of awards, and judging from the Ice Pick (think an Arnold Palmer) and Mystic (a mix of vodka, St. Germain, cucumber, and grapefruit juice) I believe them! I then ordered the Pan Seared Sea Scallops, which was pimento cheese ravioli, creamed corn, perfectly cooked scallops and a roasted red pepper vinaigrette. We also had a diner who has a gluten allergy, and they offer many gluten-free options here which made things easy!

The final place of the night was Stars Restaurant. We really just went there quickly for a drink to enjoy the view. They have a beautiful rooftop bar with lounge areas and you can see a large area of the city from above. We didn’t eat there, but apparently it is a pretty good dining spot too.

I hate Sundays – they always signal that the weekend is over and time to head back to work. I made one final food stop before leaving at Bay Street Biergarten and of course got chicken and waffles with another local beer, Westbrook White Thai, to wash it down. I felt satisfied leaving on that culinary high note.

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Needless to say, I had an amazing time in Charleston, and was able to pack so much in! I cannot wait to visit and explore more next time. I also need to continue to make sure to sign up for ClassPass after those indulgent weekends, haha.

Have you been to Charleston? Have you tried any of these places, or recommend others for next time? Also, I totally messed up with my photography here and brought a 50mm camera lens versus one that is a little more diverse. I need to continue to improve with this photography thing! At least my phone captured some great food shots for y’all!

Christine

Winter Work Capsule Edit

A capsule wardrobe provides the benefit of just grabbing into your closet and automatically knowing that it is something that fits, that fits well, and that it usually matches with everything else you have in your closet.

For me, I do have two different capsules – a 37 piece everyday one, and a 20-ish piece work one. I work in a more corporate environment, so many of the things I wear to work I would not wear in my day-to-day life, and vise versa.

With my work capsule, a month in, I am definitely noticing both gaps and items that are a pain to wear, and by pain I mean I don’t really like them and therefore don’t really want to wear them. What would I have done differently?

1. Purchase more skinny slacks that are not ankle fit.

I have been loving my black booties and also my tall camel boots. However, when you have a wider leg opening at the bottom, these don’t usually work. Either it looks funny covering an ankle bootie, or creates a lot of extra fabric in tall boots. I have too many trousers in my capsule – I believe three total. I forced myself to wear the black trousers to work today, but I am not happy about it. I had to wear normal pumps so that they wouldn’t look funny, and those combined with my bum knee is not the most comfortable combination.

I also have a problem with ankle fit, which is a bit wider opening that skinny. For the summer, they are great as you wear more open heels or pumps, but in the winter, wearing them with booties looks funny.

2. Purchase thicker tops

Sitting by a window, the beautiful scene from outside is one I definitely cannot complain about. However, sitting by a window also means colder temperatures. I’ve also found that in all corporations that I have worked in, the thermostat seems to be set very low. I am freezing, all of the time. I wish I focused on purchasing more sweaters and thicker knits to keep myself warm.

3. Purchase something to layer under an open cardigan

I purchased this great waterfall cardigan. The sleeves are pretty tight though, so it makes it difficult to layer another long sleeve shirt under. I realized I haven’t worn it yet but really want to. I need to add at least one layering shell to my capsule next time.

4. Invest in great looking flats or low heels

I have a bad knee, I’ve spoke to it a few times. With that, I love heels but after a full day the throbbing and pain is just not worth it! I have nude colored flats, but for the winter, they are very cold and make me look naked against the pale skin. I would love to invest in a possibly warmer, but most definitely black or charcoal flat or low heel.

5. Purchasing shirts that button up the front

Boobs…. they always get in the way. I hate wearing cardigans underneath, but most of the time it is essential with some of my blouses that decide to pucker in all the right places to cause embarrassment. I need to focus on purchasing less of these, and anything see-through.

Intentional Spending

Do you ever have triggers that just send you right into an unwanted situation? Sometimes for me it can be an eating situation, like giving in to that 1000 calories slice of cheesecake or wanting the fried over grilled platter. But often times, it comes to me as a shopping spree, one that debits my account hundreds of dollars.

Shopping sprees are such a weird beast to me. We spend a ton of money on them, want to sometimes give them to others as a present or treat, and usually end up having hot flashes because of buyer’s remorse once the high is over. I know my anxiety flares up after a few hundred dollars out of my account.

One of the things I really have loved is my capsule collection. It feels thoughtful, that each piece has a purpose and purchased with love and selection. Often times I would step into my closet and get flustered. There was never anything to wear. Nothing fit right. This had a stain on the front I needed to somehow cover. These bagged too much…. So many problems. I was continually going on shopping sprees to fill up my closet with more items.

I was spending a LOT of money on these clothes I didn’t love. I really don’t know why most of them came home with me. Why did I have ten work blouses and nothing more casual to wear on the weekend? Did I really need 5 different colors of jeans? Nope. Now things are streamlined, and picking out an outfit is so easy, and seemingly less expensive.

One of the things I really had a problem with was clothes sitting in my closet for months on end with the tags still attached. If this happens now, I notice it quickly and act on changing it. I currently have a green sweater I purchased that fits just wrong. It looks like it should be baggy, but it is too short. I’m returning it and exchanging for the larger size this weekend, making sure that any return periods aren’t missed.

I also am learning that there are many skinny mirrors in the world, and sometimes they distort how you see yourself. I am finding a love for online shopping, where I can stand in front of MY own un-edited mirror and truly determine if a piece is flattering. It is hard to avoid those skinny mirrors though – they make you look dang good. I’ve been working at a retail store for a bit now (hint, it’s a four letter word that starts with L and ends with T) and I just recently realized they for sure have skinny mirrors!! I wondered why I always thought my outfits looked better in store than home, ha. They can also spur you to purchase more.

Be wary and recognize your triggers that send you into shopping mode, whether it is stress, boredom, the feeling of need, or some other instance, and try to replace those times with another activity, such as working out, reading, writing, goal setting, etc…

What are your triggers? How do you keep them at bay?

Christine

Savings, Zero-Based Budget and Digit

The problem with savings is that I always dip into it before I should. I never really save up for anything – I just take what is in there and spend it on an immediate need, such as a credit card payment or a little extra money for the weekend.

Well, I want to start savings for upcoming expenses that I know are coming up, and also things I want and have been lusting over. Isn’t that what money is for?

So there are three big things I see coming up and want to schedule for:

  1. Debt payments
  2. Hunter boots
  3. Capsule collection for Spring 2015

Debt Payments

As mentioned in my last post, I am cutting up the cards. I want to move strictly to cash. All but one are cut at this point as I have a few items to return prior to chopping, but there will be nothing else placed on it. Therefore, I know exactly what is left of my debt. From my 100% debt starting point I shared already, I will be paying 12% of that total off each month until June. Boom, debt gone. These payments are already automated in my Bank of America bill pay section. If you do not have this feature, many credit cards will also let you schedule recurring payments. Do it – the payments are already set and you know what is going out when.

Hunter Boots

Another automated payment for each Friday, I am contributing 12.50 per week to my savings so that in 12 weeks, I will be able to purchase my original, black matte Hunter boots, right before rainy season. I am really excited about these as I have wanted to purchase them for a few years and never made a plan to purchase them without my credit card.

Capsule collection for spring 2015

This is my final, current recurring payment. For this past capsule, I purchased $375 of new items, which included 2 pairs of a bit pricey Madewell jeans that I am definitely considering investment pieces. With this $400 estimate in mind, I am contributing $80 biweekly to my savings account. By mid-March, when capsule planning and purchasing begins again, I will have $400 in savings allotted to clothing purchases. I am assuming this will be an over-estimate, so anything extra will stay in that savings account!

Zero-Based Budget

A final thought I want to talk about is the Zero-Based Budget method, prescribed to by my favorite, Dave Ramsey. This method states that you don’t carry a balance from paycheck to paycheck – it all goes somewhere. For me, I am dumping that into my savings account as well. If that savings account starts to really bloom, I will be placing it towards my debt, but having a buffer for emergencies or unexpected expenses is always a great idea. I have my budget sheet, and just about every day, if there is an extra dollar or two in my account, I transfer it right into my savings account to get back to $0.

Digit

Another way to do this, if you are not obsessive over your expenses like me, is Digit. It is a brand new, totally safe program that scans your accounts and sees where it can dump a few cents or dollars here and there into your savings account. It is money you wouldn’t notice, but it adds up quickly! Digit is a text-based and online service, and you can always cancel. Digit also guarantees that you will never overdraft due to their service, or Digit will pay any fees associated with the overdraft. I think this is the next big thing, and you best believe I already downloaded Digit. I’ll give a review in a few months to see if it works for me, or if I’m already too on top of my money for their algorithm to detect any extra I have, haha.

Any other methods you all use to save for purchases? I’d love more ideas. Are you hands on or hands off when it comes to monitoring your accounts?

 

 

How to Score Deep Discounts

There is something that I want to let you all know – I rarely EVER pay full price for something.

With the whole credit card debt, wanting to save, etc… I’ve found some great ways to either earn rewards back, get great discounts, or layer coupons for a double deal! Just to be nice, I’m sharing a few of my tricks that are super easy to put into practice. This post isn’t sponsored or gimmicky, but rather just sharing some ways to get around the actual sticker price!

Know what you want to buy, and where it is being sold

The first thing I do, is know! I’ve actually been basing some of my purchases off my pinterest boards for wants, and for needs it is a little more intuitive (I know there will always be a need for toilet paper, dog food, soap, etc…). I then search around a bit, basically on google, determining where items can be purchased. Doing this, you may already find a great deal!

For example, I saw a bootie featured on another blog, and one of their links directed to Nordstrom, where they were selling for $69.95. Well, type in “Mia Esperanza” in google, and the same shoe appears at Off Broadway Shoe Warehouse for $34.99. Total savings: $34.96/ 49.97%

Mia Esperanza Bootie

Determine if your debit or credit cards offers discounts or a percentage of cash back

I carry a Bank of America debit card and a Discover credit card. My debit card offers special promotional discounts on items. Some regulars that I see include Starbucks, Sports Authority and even local restaurants. You just sign up for using them by clicking a button, and when you use that debit card you receive cash back!

BankAmerideals

With my credit card, it is 1% cash back on everything, and 5% on select items and stores each quarter. This quarter it includes all gas stations, so I’m using my credit card to purchase gas and then I immediately pay that amount off from my checking account to avoid any interest, but still receive a percent back.

Discover

Ebates

If you ever shop online, or are about to checkout, head to ebates before clicking that submit button. Chances are, the site you are on is listed on ebates, where you earn cash back. I’ve received about $20 worth of what they call big fat checks, and will definitely be utilizing them more for Christmas and upcoming birthdays. Simply sign up for an account, and shop through their store link.

ebates

Coupons, birthdays and promo codes

This is where you will see the biggest discounts! Hold onto those mailed percentage off flyers, create a folder in your email for shopping discounts, check online for codes floating around, and take advantage of the birthday discounts and birthday money coming in from family! These coupons can be layered on top of the cash back you’ll receive from using specific cards and ebates, which can mean a 3-layered coupon if you play it right!

Doing your research – knowing the biggest discounts stores offer

There are some stores that I KNOW will have specific discount points. For example, LOFT offers up to 50% off full price items and 60% off sale items throughout the year. If you can wait until these bigger discounts, do so!

If you’re unsure about the discounts provided by a store, google the store name followed by the word “coupon”. Usually, you can click on images and see what the historical big discount amounts were.

For example, I really want the Kate Spade agenda I mentioned in my previous post, but I want to wait until I get the best deal possible. At the time, I had a 15% coupon. This would have saved me $4.50. BUT, I saw on google that Kate Spade offers a 30% off discount as well. I’m waiting until this comes around, and savings $9! Plus, I can stack this with ebates, who offers 3.5% cash back on Kate Spade, discounting this item almost $10!

Check the shipping and return policies

This is often a deal breaker for me. I rarely ever pay for shipping, or return shipping. Companies that offer great policies regarding this include Zappos and Nordstrom. Some companies do not offer free shipping, or return shipping, and sometimes you can’t return items to the store that you purchased online! If you returned an item from that order, you would have paid for shipping two ways by the time you get part of your money back.

Steps in making a purchase 

So when you have your eye on something, here are the basic steps you will want to take:

1. Identify sites the item is selling on

2. Determine if your debit or credit card offers any discounts or cash back at the stores where that item is located.

3. Check ebates.

4. Check for the biggest discount the store offers online

5. Assess your shopping options – look for the most layers of coupons you can use, and NEVER pay for shipping! Assess the return policy as well.

6. Pull the trigger, and get what you want for cheaper than you expected!

Here’s my most recent example of how I did this! 

This Ann Taylor purse and earrings.

Earrings and Bag

I had the following:

  • $20 credit from using my LOFT card
  • $30 off $60 purchase as a birthday gift from Ann Taylor
  • Store promotion of 50% off all shoes and accessories

I did not purchase online as I would have paid for shipping costs, and with the 50% off, the bag would not have qualified for the $30 off $60, so I purchased the earrings that I wanted as well!

Initial Total: 147.50

Half off Store Promo: $73.75

$30 off $60: 43.75

$20 rewards: $23.75

Total for $118 Bag: $19

Total for $29.50 earrings: $4.75

Savings: 84%, or $123.75 !!

Hope these tips help y’all score some great deals! I’d love to know the new items you pick up and any additional tips you may have discovered in your shopping journeys!

Christine