Best and Worst Buys of 2015

Now that I'm looking back at all of my purchases for the year, I'm actually quite pleased. Although there are a decent number of items that I've yet to fully utilize, mostly because of season-specific needs that did not arise, I'm reasonably confident that I will eventually get good use out of the vast majority of what I bought. I don't have any data on my shopping from previous years, though with the many rounds of closet clean-outs that I undertook before reading Marie Kondo's book and my several additional rounds of closet decluttering after, my general satisfaction with what I bought this year likely means that I've seen some real improvement in terms of learning to buy less, buying things I'll use, and having a better handle on my personal style. 

I don't have one real methodology for picking out my "Best Buys" of 2015. There are other items I bought this year that I wear more often or that filled a more important niche. I suppose my main criteria here was that the purchase in question brought me an unexpected amount of joy, such that I find myself reaching for the item significantly more than I would have expected. So these best buys are more my "sleeper hits" of 2015 rather than my most used items.

Best Purchases of 2015:

• Lou and Grey Ombre Waterfall Cardigan - When I bought this, I actually wanted a different color of the same sweater (a non-ombre grey and white), but it sold out. Even with that sticking point, I've gotten plenty of use out of this, in both my casual and business casual outfits. Although I've become a bit of a snob about avoiding synthetic fibers in my sweaters, which might make me reluctant to buy another mostly-acrylic sweater in the future, I have to admit that I don't actually notice many real downsides with many of my mostly-synthetic sweaters like this. 
• Uniqlo Cotton Cashmere Sweater Tunic (similar in other colors) - Both tops I bought at Uniqlo in February ended up being great buys for me, and with the unseasonably warm winter, they continue to be featured in many of my weekend outfits. I didn't previously own anything in light gray, but I've now added a few other light gray sweaters to my closet. 
• Skagen Freja Watch - I wear this almost everyday, in both my casual and business casual outfits. I like most of Skagen's women's watch designs and the quality has been great.
• Loft Floral Peasant Blouse (similar in different print and solid colors) - It's strange, but I almost never wore long-sleeved blouses to work before I owned this top. I had a few long-sleeved silk blouses, but tended to wear them exclusively with my casual outfits, which is probably idiosyncratic. One of my main influences in starting to wear long-sleeved blouses to work was seeing some of Adina's long-sleeve blouse-and-skirt work outfits. 
• Ann Taylor Lace Dress - This dress could potentially work for a wide range of occasions any time of year. I can even see myself wearing it in my casual outfits in the summer. For now, I mostly wear it to work with thick tights.
• Madewell Northstar Pullover (similar in other colors, similar from Loft) - I'm still not sure about the quality of this piece: all my merino wool sweaters from everywhere-but-Uniqlo shrank the first time they encountered a machine-washing, even when I made sure to use cold water and a mesh bag to protect the items. This makes me too scared to ever machine-wash this sweater. It's still holding up okay though, and I just love the color and the casual, slouchy feel of the design. With this purchase, I'm realizing that some of my favorite colors are dark jewel tones like this forest green. 

It was much easier to pick out my "Worst Buys" of 2015. These were all items that I wasn't able to use as expected at all, or that I wore once or twice before realizing that the item just didn't suit me. See the list behind the cut:

December Shopping Reflections

Happy holidays! I hope that everyone has had a lovely holiday season. Work got a little crazy the weekend before Christmas, and then my mom and my sister came into town to spend the holidays with me.

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Most of my shopping this month actually came from online Black Friday sales. With this month's clothing expenditures, I've spent $2729 for the year, which at least puts me slightly under the $3000 absolute upper limit I set for myself. In the next few weeks, I plan to write up some reflections on my shopping habits this year: best and worst purchases, plans for next year, and a few other thoughts.

This month, I also tried on a few other things that didn't work. This Uniqlo x Lemaire wool and cashmere sweater with a knit-in square pattern was lovely and soft, but ran strangely large for a Uniqlo sweater which, when combined with the dolman-ish sleeve, just wasn't flattering. I also bought these Frye Erin lace-up boots from Hautelook on a whim, in hopes of replacing a well-loved pair of boots that I wore out early this year. While the leather was nice and soft, and I thought the boots were great quality, they were a little too narrow. My usual size was right on the edge of being too small and the next size up was definitely too big. 

Fashion - (TOTAL: $194.53)

• White + Warren Cashmere Open Knit Cardigan - $53.40* - I bought this on Gilt during a fairly substantial additional percent off Black Friday promotion. I didn't realize that White + Warren sweaters run large, so the size M I bought has an oversized, boyfriend sweater look on me. I don't mind that too much, and the oatmeal color works well to add a tiny bit of variety to my mostly black and navy work wardrobe. 
• Uniqlo Cashmere Crew Neck Cardigan - $49.90 - I also purchased this during a Black Friday sale. Uniqlo's cashmere sweaters are a good value when they're on sale, though I have sometimes balked at paying full price for them. This sweater also runs a bit larger/more true to size for a mall brand than I expected based on the size chart and some of the Uniqlo merino wool cardigans I've tried, so the M I got is also a little big. This is also primarily for my work wardrobe. 
• Sam Edelman Sara Leopard Flat - $55.24 - This was my last Black Friday sale purchase from 6PM. It ends up filling one of my "Five-Piece French Wardrobe" slots as an alternative to the leopard print slip-on sneakers I initially wanted, but are less suitable for my new lifestyle as an office-dweller. 
• Madewell Silk Retrospect Top, Brushstroke Plaid - $35.99 - This was one of my only in-person purchases in the latter half of the year. It was an impulse purchase, though I find casual-leaning silk tees like this (I also have one from Uniqlo from several years back) to be versatile because they work in both my work and casual outfits. 

Beauty - (TOTAL: $4.19)

• Real Techniques Silicone Liner Brush - $4.19 - Pret a Porter P recommended Real Techniques brushes in a comment, and I decided to add this to a recent drugstore.com order when I was stocking up on household items. I previously used this Sephora eyeliner brush, but wasn't satisfied because it was difficult to clean and the bristles sometimes felt stiff and uncomfortable to use. The Real Techniques silicone brush is great, though it took two to three uses before I really started getting the hang of it. I get a significantly finer line than with the Sephora brush, and it is also easier to clean due to the lack of bristles. I think it also wastes less product because less excess product gets caught on it. 

*Indicates that listed price includes shipping fees, sales tax, or both. 

Linking up with Franish and the Budgeting Bloggers again this month! Be sure to check out what everyone else bought. 

Financial Picture, Part II: Lifestyle Choices

personal photo of Santorini, Greece

The idea for this post has been floating around in the back of my mind ever since Franish's monthly budget post in May, when she received a reader question about whether it'd be more accurate to factor interest into her shopping budgets because of her student loans. Her answer touched on the difficult balancing act between  living one's adult life and being in a profession that goes hand in hand with massive student debt. Now that I've been more explicit about my circumstances, I finally feel like I can write about this topic without sounding vague and maybe a little foolish.

Repayment of six-figure student loans is a marathon, one that will hopefully only take me seven years. Combine the time spent on repayment, the time spent in school, and the time spent planning for and applying for school, and the total number of years is likely to be more than a decade. For doctors or dentists, the timeline is, inevitably, even longer due to longer training periods. One would likely go insane if they spent the entire time weighing every single spending decision against how much extra time it would add to the repayment period and how much interest would ultimately accrue as a result. If one wishes to start a family, particularly as a woman, there are biological and other reasons not to put off that financially weighty decision for that long.

Harsh calculations about how much interest will accrue are useful, by the way, and I think everyone should try them, ideally before matriculating. The schools and lenders (even the US government) are, perhaps unsurprisingly, in no hurry to give applicants the nitty-gritty details. Sure, they provide all the information necessary to calculate everything, but I don't think these institutions are ever as upfront and blunt as they should be about the cold hard numbers, given how young and relatively inexperienced much of their customer base often is.

My point is, there are limits to how much one can sacrifice for the sole motivation of cutting down on repayment time (and reducing the resulting interest burden). Those limits are more relevant and concrete, I admit, when it comes to making room for things like weddings, having children, and buying property versus just making room for a shopping budget or for travel. Regardless, I believe that a young working adult who has a plan and is on track for eventual repayment and other financial goals should be able to indulge in fun things that makes them happy once in a while, within reason. As a student, I veered too far in that direction, and even now I question my own judgment on whether I am still too willing to go a little too far in favor of indulging myself, but I don't think my larger stance on this is right.

Been There, Done That: Fancy Body Products

Before I started getting really serious about budgeting and cutting down my beauty and skincare spending, I used to go a little crazy at Sephora, buying things I didn't need to get to the minimum for free shipping. Many of those impulse purchases were fancy body care products. At the time I tried to justify it: I have very dry skin that gets bad in winter, even with a humidifier running all day and night. If I could find a "miracle product," the experimenting would be worth it.

I'm realizing now that, for my skin at least, there is no miracle product: I'll always need to apply body moisturizer daily. Even then, my skin will almost inevitably get dry again well before the next 24 hours are up. I've sworn off the fancy things, none of which were ever that much better than your average drugstore body lotion, though they did smell nicer as a general rule.

These days I'll stick to Lubriderm (I grew up using Costco-sized bottles of it and it is my usual preference, though I find many other brands to be about the same). I've tried out jojoba and coconut oil too (both are cheapest at Trader Joe's). While both have some extra moisturizing "oomph" that drugstore body lotion lacks, I never stuck to either habit because I was worried that some of it could stain my sheets or towels if I didn't give it enough time to absorb.

Coconut oil has a lovely scent, and I might consider going back to it as a supplement to the body lotion, but I'd need to figure out a better way to store it: I briefly kept half a jar of it on my dresser for body and hair usage, and it got moldy and gross within two months. The culprit was my constantly sticking in my damp-from-the-shower hands to apply it. In hindsight, I should have been more careful, and if I went back to it, I'd have to find a smaller container for it, so that I won't lose too much of it in another mishap.

Note: the below text contains illustrative links, some of which are affiliate links that will result in a few cents commission for me if you click. Thank you for your support!

Without further ado, these are the fancy body care products that were definitely not miracle products for my persistently dry skin: 

• Korres Body Butter in Jasmine: I've tried a few scents of this, and the Jasmine is my favorite. Korres is a drugstore product in Greece (~5€/bottle) , but a very expensive one in the US ($19/bottle). They really do make lovely products, and I also love the shower gels, which I bought in Greece. I just can't get over the American pricing when I know that it's very much a drugstore product in its home country. As for the body butter, it's nice and thick but absorbs easily and it is a bit more moisturizing than the Body Shop or Soap & Glory kind. It's probably most similar to Bliss body butter. 
• Caudalie Divine Oil: I had a phase of thinking that dry oils might do a better job of keeping my skin moisturized than body lotion, which turned out to be an erroneous assumption. I might not have applied these products with a generous enough hand because of concerns about how expensive they were, but either way, they're definitely far less moisturizing than the same quantity of coconut or jojoba oil. The Caudalie is probably my least favorite of the three I tried: the floral scent is a little strange. 
• L'Occitane Almond Smoothing and Beautifying Supple Skin Oil: I do love the way this one smells, but it suffers from the same lack of value for money problem as other dry oils I've tried in that it just doesn't moisturize very well for such a pricey product. This one doesn't absorb quite into the skin quite as quickly ro easily as the other two. 
• Nuxe Huile Prodigieuse: I bought this in Taiwan when there was a nice promotional price. The scent on this one is probably my favorite out of the three dry oils because it is a little lighter and more subtle. 

I wouldn't say that the money I spent over a period of about a year and a half to try these products was a waste: Even if these products didn't work that much better for me than something from the drugstore, there is some value to something that feels fancy and smells nice. Still, when it comes to my personal budget, I'd rather put the funds towards my facial skincare routine. 

Do you have any favorite body products? Any suggestions for particularly awesome moisturizers? 

Wear to Work: Following the Rules (or Not)

* Photos from a Wall Street Journal feature that discussed fashion (for men and women) at the New York office of one prominent biglaw firm. Both women are partners, which puts them at the top of the law firm hierarchy. 

I was reading a Racked article about one woman's experience with stringent dress code rules for women attorneys, and while I didn't agree with most of what she was saying, it did give me some food for thought. There are certainly settings in which there are extremely restrictive rules about what one should wear, for both men and women, but I'm not sure that your average NYC professional, even in the more conservative industries, is unreasonably constrained in their day-to-day clothing choices. 

First things first, I don't believe that it's the social norm here for women at large companies to be "afraid" of their male colleagues' judgment regarding their sartorial choices, unless it's a toxic workplace or there are a few toxic individuals. I also don't think that choosing to dress conservatively, in business formal, means that one is dressing "like a man."

I speak from experience: By now, I am extremely familiar with many of the professional settings that are of particular relevance to NYC-based attorneys, including networking receptions, courthouses, and large law firms. I've described the dress code at the office where I will start work this fall, and I'm reasonably confident that it is more or less what prevails at a majority of large finance, consulting, and law-firm type workplaces in NYC. I'm also extremely sensitive to behavior suggesting sexism and racism, and would also be among the first to raise my voice to argue that things are still very bad for women and minorities in my field.

At the same time, although I am a major proponent of pushing the business casual dress code envelope often by incorporating bright colors, loud prints, and statement jewelry, the very mention of "wearing an Alexis Bittar statement necklace" in the same paragraph as a reference to judges and courtrooms makes me cringe. I strongly dislike many elements of the conservative business formal "uniform" (both suits and heels) and avoid wearing them whenever possible, but certain settings demand conformity to all the rules of conservative business dress. There's no room for argument. It's nonnegotiable. I don't know if it makes me closed-minded, but I would question the judgment of any attorney who wore a noticeable or flashy "statement piece" to court or another formal setting to advocate on my behalf. This goes for both men and women, though I'm much less in-tune to what constitutes a  "statement piece" on a man.

Financial Picture, Part 1: Going to Law School

I didn't attend University of Michigan's law school, but they have the most beautiful reading room. 

For me to continue discussing my finances, I almost certainly need to disclose my profession. Although law school is not the only type of crazy student debt professional school in the game in the US, the financial details associated with each program (JD, MD, or MBA) are unique. Being clear is probably necessary if I don't want my posts to be vague to the point of being borderline misleading. I get a little shy about these details sometimes because weird things sometimes happen to (generally women) law students in some internet spaces.

How Much it Costs, How Much I Borrowed*:

I chose law school knowing I had to go to the highest-ranking school I got into in order to easily obtain the private sector "biglaw" job required to pay for the endeavor. My $75,000 scholarship was an extremely pleasant surprise, and average scholarships for applicants with my qualifications have likely increased to closer to ~$90,000 because of certain application trends, though as you'll see, that doesn't take you far if you're not careful and/or don't have outside financial support. Lower-ranked schools actually gave me significantly smaller scholarships and would have been more expensive.

Attending law school in the US is extremely expensive. Add on the costs of living in NYC to my relative financial irresponsibility, and well, the cost of attendance was right around $86,000/year, inclusive of living expenses incurred during summer internships. I offset that with my scholarship and roughly $12,000 savings from two years' work (thanks to free housing and tax advantages from being abroad). I also earned a pretty penny and received a generous tax refund after one private sector summer internship. Some of my internship income and the tax refund were, however, needed for post-school expenses such as my recent move.

Despite my scholarship, savings, and income, I took out $165,000 in unsubsidized federal loans (the only kind available), on the very high end of average. Interest rates are standardized, and interest accrues continuously (but is not capitalized into the principle) while the student is in school. With interest rates ranging up to 7.9%, my total grew by ~$13,000 by the graduation and then another $2000 or so in the months before starting work. I'm fairly certain this list of law schools with the highest average indebtedness does not count interest accrual in school, but if not, more of my peers have considerably more familial financial support than I could ever imagine.

My total student loan balance, law school and undergraduate included, is actually a little more than the $180,000 resulting from the calculations above: I have under $10,000 in undergraduate loans that could have been reduced if I had been more of an adult while working, but the interest rate there is 5% with none accruing while I was in school. My law school balance indicated above may neglect some of my law school Perkins loans too, but those are tiny, at 5% interest, and did not accrue interest in school either.

More nitty-gritty discussion behind the cut, including a minor addendum to the above:

Casual Friday

 

Necklace: Gorjana Taner Small Bar necklace

Sweater: H&M Premium Quality cashmere sweater, M

Tank Top: H&M Basics tank top, S

Skirt: J. Crew No. 2 wool pencil skirt, 4P

Tights: Mukluk fleece-lined tights, S

Shoes: Sam Edelman Petty booties, 7.5

I call my office dress code "casual business casual" because, in my experience, almost anything remotely reasonable goes. Jeans are almost the only item that is off limits. For further context, all of Adina's office-wear would work perfectly at my workplace. In fact, many of my colleagues like to push the envelope towards a slightly more casual direction. A majority of the work outfits on Nine-Thirty to Five are also on-point, though they might work in Southern California, so certain items they can wear wouldn't be suitable for NYC corporate offices.

I wore this outfit last Friday, though in practice, it'd be okay any day of the week. This outfit is about as far on the casual side of the business versus casual spectrum as I go. All of the elements: sweater, pencil skirt, even the ankle boots, are solidly in the middle of the spectrum for my office. It's the design of that H&M cashmere sweater (a birthday gift) that skews extremely casual, and it's made even more so by being slightly big for me on top of being designed to have a slouchy, oversized fit. The rest of it is fine and dandy: that pencil skirt from J. Crew sits a tiny bit higher on the waist and is a little slimmer than my other pencil skirts, which helps balance out the outfit a bit, but either way, none of the other elements would ever raise an eyebrow.

The sweater is one of those things that brings me joy despite being a less than perfect fit. I like that it feels like I'm wearing a cashmere blanket, and that's the only selling point I need to incorporate it into my work outfits. The cashmere is decent-quality for the price - a bit plusher and thicker than Uniqlo's. Some of the design elements might seem strange though, especially the very pronounced dolman sleeves and rather extreme high-low hem along with high side slits.

My Sam Edelman Petty booties are fantastic: very comfortable, true to size, and took absolutely no time to break in. I wore them to work all the time with skirt suits when I was interning in a very formal government workplace earlier this calendar year. After a full fall/winter season's worth of heavy wear last year, I had them reheeled last month ($22 at a moderately expensive cobbler), and they look almost new (there is a tiny scuff in one toe that couldn't be completely fixed, but can be covered when they're cleaned, shined, and polished). I wear them throughout the winter, avoiding only the very wet or snowy days. 

On Quality, Part II: Winter Clothing

I bought two of these wool Assembly sweaters at Madewell last year and really liked them, but they pill badly and haven't held their shape well. 

When I last posted about the general trend towards lower-quality clothing at various retailers, I wasn't fully sold on one part of the narrative: that there is a phenomenon in which most fast fashion is of such low quality that it would literally wear out or disintegrate within one season. My evidence was my experience with a wide range of Forever 21, H&M, and Target-type items, most of which was capable of lasting two to three years, if not more. Most of my "donate or discard" choices were because I got tired of the styles rather than wear and tear.

I might be changing my tune as to winter clothing, because I've recently started truly noticing the great difficulty associated with finding good-quality sweaters and warm tights and leggings. A few anecdotes from the last few weeks as I start bracing myself for winter, including one specific item (fleece-lined tights) for which I've noticed a definite decline in quality:

Note: the below text contains illustrative links, some of which are affiliate links that will result in a few cents commission for me if you click. Thank you for your support!

• It's probably not news that not all wool sweaters are created equal. More often than not, pure wool sweaters that I've owned (from mall retailers like Madewell, if not cheaper sources) have held up to wear poorly when compared to my wool-blend sweaters that contain synthetic fibers. I find that most wool sweaters just don't hold their shape well despite my fairly careful hand-washing and drying flat. They start looking a little lumpy by the end of the season, for lack of a better word. Many also tend to pill easily. 
• I'm clueless about different types of wool, but my Merino wool sweaters seems to avoid most of the issues I mentioned. All of my Merino sweaters have a thinner, smoother knit though, so it isn't a perfect one-to-one comparison, but they have held up significantly better than other pure wool sweaters.  Quality-wise, my Uniqlo Merino wool sweaters have generally been the most consistent, but I'm only comparing it to things from J. Crew (a Tippi cardigan shrank when machine-washed in cold water by accident) and Madewell (that sweater I bought in October feels like it'll pill a little by the end of this season).
• NYC is having an unseasonably warm fall, but my legs are still feeling cold in the tights I used to wear in the depths of winter. Temperatures have yet to regularly drop into the upper 30s and low 40s Fahrenheit range that would lead me to swap my wool coat for down, but I always feel like my legs are freezing in my fleece-lined tights. Part of it the problem is that this year's version of my Mukluk fleece-lined tights are thinner than the pair I bought three years ago. 
• I do have the same problem of being cold in the old pair (still holding up!), so some of it is that my tolerance to cold has diminished. I'm not sure where else to look: there are cheaper options at Target and the like, but I've heard that those are very much one-season items. There's one more expensive brand that does fleece-lined tights, but I'm not especially excited about $35/pair for ones of unknown durability. I also doubt that they'd keep me much warmer.
• Some people might have very different experiences with what tights are weather-appropriate for fall, so I might well be unusually sensitive to cold. This review suggests that Uniqlo Heattech tights are too warm for anything but winter. For me, however, they're only good for cooler days in spring and fall, and not especially different from Uniqlo's regular tights in that regard. I also find the Heattech tights true to size, though with a sometimes odd fit (a little higher rise and longer legs than I'm used to, perhaps). 

Any thoughts on where to buy good wool sweaters or what materials to look for? Also, truly warm and high-quality fleece-lined or other winter tights are probably a bit of a unicorn, but any recommendations on those would also be very much appreciated! 

My Minimalist-ish Graduate Student Kitchen

via Pinterest. My actual grad-school kitchen was, naturally, much less nice.

When I was a graduate student, I cooked almost all of my meals for the first two years. That habit eventually slipped, but I had a good grasp of the bare minimum of tools and supplies I required. I bought my kitchen goods piecemeal, often as needs arose, and that made it easy to keep my cupboards and drawers minimally stocked, even before I discovered minimalism and the KonMari method. When I went through and decluttered all my things KonMari-style, eleven months ago, I didn't do much in the kitchen except repurpose some boxes to serve as drawer organizers.

Shopping-wise, I bought most of my things at HomeGoods or TJMaxx, with an occasional trip to Housing Works, IKEA, or Daiso while I was home in California. When I was stocking my kitchen, I wasn't sure I would stay in NYC after graduating, so the quality of my pots and tools wasn't a priority. The cost of my stock of kitchen goods was probably well within the range of being frugal and reasonable for a student's kitchen. 

A few other notes: Now that I live with K and we combined some of our kitchen things, I have a little more of everything to work with. I cooked often, but didn't bake, which cut down significantly on my kitchen needs and wants. I generally made small, simple meals, cooking mainly for myself or one other person at the maximum, except for the occasional potluck dish. Thus, my kitchen felt fully stocked with just the following (links are illustrative only, some are affiliate, some are not):

Pots, Pans, etc. 1 mini (1 quart?) saucepan, w/ lid 1 3 quart saucepan, w/ lid 1 12-inch nonstick skillet 1 9'' x 13'' baking pan 1 electric kettle 1 cookie sheet* 1 5-quart stock pot**	Tools 1 spatula 1 slotted spoon 1 ladle 1 skimmer 1 1-cup Pyrex measuring cup* 1 set measuring spoons 1 meat thermometer 1 silicone pastry brush**	Miscellaneous 1 salad spinner Tupperware, assorted sizes 1 oven mitt 2 kitchen towels 2 tea strainers 1 soy sauce bottle for olive oil**
Knives and Things 1 8-inch chef’s knife (exact) 1 3-inch fruit knife 1 large cutting board 1 vegetable peeler 1 small cutting board*	Dishes 3 medium-sized plates 3 cereal bowls 1 small rice bowl** 3 mugs 1 reusable water bottle	Silverware 1 four-person flatware set 3 sets of wooden chopsticks**

*indicates things I didn't own or owned in a less efficient size, but that I would have bought 

** indicates things that are a bit idiosyncratic, and that I generally purchased for one particular recurring need

This might seem like a strange thing for me to write about, but well, I find reading about what's in people's kitchens and refrigerators absolutely fascinating. My more rambling thoughts on why I picked particular kitchen tools and in what quantities are behind the cut. 

November Shopping Reflections

Oh boy, this was an extremely shopping-heavy month, particularly as a matter of total dollars spent. I did get two coats out of it, both of which meet actual wardrobe "needs," which makes the spending not entirely crazy. The only problem is that I'm didn't really find the "perfect" trench or down coat. The items in question have some definite issues, but most of my uncertainty likely comes from my having become an excessively nitpicky shopper with unrealistic expectations, especially given my budget constraints. 

Somewhat accurate, as I knew what I was getting into, but not the exact numbers.

I'm also increasingly conscious of how my spending interacts with my other financial obligations, which makes me suspicious of just about anything I buy. It's difficult to guarantee that something is "worth it" when so many other things are clamoring for my dollars: saving for my emergency fund, retirement, travel and bridesmaid-related expenses, and finally, paying down student loans. I finally had enough information this month to do more concrete repayment calculations, and the numbers are sobering. I have six-figures in graduate student loan debt, all in US federal loans with interest rates ranging from 5% to 7.9%. Refinancing is not an option in the near future due to some reliance on federal protections like income-based repayment. My balance currently accrues interest of roughly $33/day. It's not fun, though it isn't quite as horrific as it sounds because my income is at a level that can pay it down completely by the seven-year mark, but it is also no small thing. I went to graduate school knowing full well that this was the financial life I was signing up for, but well, it is a long, slow road.

Sorry to be such a downer in a monthly shopping post! I'm satisfied with my career choice, it's just that I'm probably at one of the more difficult stages of that path. At some point, if I want to continue writing about this, I probably should just disclose the field I'm in to give an accurate picture, but at this point I'm still feeling a little shy about that. 

Fashion - (TOTAL: $504.29)

• Equipment Lynn Blouse, Peacoat Multi - $103.20 - This print is maybe a bit "much" by most standards, but I enjoy it. I'm wearing it under a trench coat in this post. I find Equipment's sizing to be on the slightly generous side of true-to-size, such that the S doesn't gap despite my being a bit chest. I got it at Equipment's site, but the main link goes to Nordstrom Rack, which has it for a little less than I paid. 
• Everlane Trench, Tan - $189.00* - Detailed review here. From how often I've worn it, it is looking like I'll get excellent cost-per-wear from this, despite my quibbles with it. I haven't had a chance to bring it to a tailor yet, but now that the season for it is ending, I'll probably get a chance to go soon. 
• Elie Tahari Paula Down Coat, Black - $212.09* - Detailed review here. It isn't truly cold enough yet to wear it, but the price I got on it was pretty good. If this coat ends up not being warm enough, I'll update on that later on...

Beauty - (TOTAL: $173.52) 

• Sephora (with 20% off VIB sale): $116.71* - This might well be my last year shopping the VIB sale because I'm still a little less than $100 off from renewing my VIB status.
• Tarte Amazonian Clay Waterproof 12-Hour Concealer, Medium - I accidentally ordered the wrong color from Dermstore a while back, but they were very nice about allowing the return. I ended up getting my replacement during the Sephora VIB sale. My makeup technique is not great, but out of all the concealers I've tried, this one is the best. It's the easiest to work with and has decent coverage. 
• Josie Maran Argan Oil Light - My favorite face oil. I'm not actually sure how this differs from other argan oils including the "regular" Josie Maran argan oil, but I seem to get the best results from this one. 
• Cover FX Liquid Foundation Brush - I used a similar flat-top brush from the Sonia Kashuk line at Target for years, but would occasionally get a streaky finish from it. This Cover FX brush is better. I can't guarantee that it's the best brush for liquid foundations, like the Nars Tinted Moisturizer I currently use, because of my aforementioned lack of makeup skill, but I like the results I get with this. 
• Bobbi Brown Long-Wear Gel Eyeliner, Espresso Ink - It has been... a fairly long time since I replaced my eyeliner. This is a good gel eyeliner and it stays put very well. 
• Dermstore (with return credit): $56.81*
• DDF Sulfur Therapeutic Mask - DDF discontinued this item for a long while around 2011, but it's back! I use sulfur masks as an overnight treatment for some of my most annoying breakouts to try to encourage those larger, icky bumps to come to a head. I don't recommend this strategy for sensitive skin though. I'd actually prefer a smaller package of this and packaged in a tube instead of a pot because it dries out easily. (Olay had a sulfur mask in a tube way back when. It wasn't a better value, but it was cheaper because it contained less product. Sadly, that one was discontinued too.) 
• Dermalogica AGE Smart Multivitamin Power Recovery Masque - Trying this out on a friend's recommendation, but I probably have a few too many face masks of various types in my "to try" queue right now... 

* indicates that price includes extra costs such as shipping, New York sales tax, etc. 

Linking to Franish and the other Budgeting Bloggers again this month. Be sure to check out what everyone else bought!

With this month's spending, I've now spent $2534.47 of the $3000 I set as my absolute upper limit for the year, which leaves me able to spend $465.34 for December without truly going over. (The goal, however, is to spend much less than that because I don't really need anything for the fall/winter season.) 

Bundling Up: the Elie Tahari Paula Coat

Coat: Elie Tahari Paula down coat*, M 

*(Bluefly discount in limited size/color combos)

Skirt: The Limited pencil skirt, 4

Tights: Mukluk fleece-lined tights, S

Boots: L.L. Bean boots w/ Goretex and Thinsulate

Well I suppose I should stop being in denial about my outfit photography being, er, noticeably lower-quality than that of the blogs I was reading in 2008 or so. (I'm mainly thinking of the super-cool Fops and Dandies, who took the best mirror selfies in a time before selfie was a word. I miss her blog to this day.) Also, happy Thanksgiving to those in the US! I'm fairly certain that my only Black Friday sales shopping plans are entirely online and only for gifts for others this year, because well, I've spent plenty on myself this fall/winter already. 

This has been an incredibly spend-y month for me. I blew past my monthly budget number when I bought the Everlane Trench and then I just kept on going by buying the Elie Tahari Paula down coat (on super-sale from Bluefly with an additional percent off coupon on top, but the current Bloomingdales price on top of their Thanksgiving sale will get you close to the price I paid). I stayed under budget for quite a few months this year, so I can actually overspend in December without going over my limit for the year, but I hope to do minimal shopping between now and New Years.  

Because this coat was originally too pricey to be practical and isn't a particularly sought after style, there probably isn't any actual demand for a review. Still, I enjoy talking about my purchasing decisions, so here goes:

This isn't the down coat I thought I would buy. I was envisioning something more utilitarian, and likely in an olive green, which would match my brown L.L. Bean winter boots well. Honestly, the main factor in my decision to order this for trying on was the dramatic discount, which isn't a particularly wise starting point for any shopping decision. I ended up paying around $220 at Bluefly with tax and shipping included, which is a little less than I likely would have spent on the North Face or Columbia coat I originally planned on and certainly much less than this coat's $550 full price. (The best price outside of Bluefly is currently $330 at Bloomingdales, $275-ish with the Thanksgiving sale code.) I took it out for a road test this past Tuesday, one of the first truly cold days in this unseasonably warm fall we're having in NYC.

For context, I'm not actually particularly picky about my winter coats. I picked out the Larry Levine one I've been wearing for the last three years (in different color) on sale from Amazon with the moderate price being my main criteria. That coat was plenty warm for me, even in the brutal winter NYC had last year and remains in generally fine condition. I'd even just stick with it, were it not for the sticky zipper and the minor annoyance of a hood that doesn't stay up on its own. Sizing-wise, I tend to stick with a M in pretty much all down coats I've tried, for fear that the chest would get a little snug when I have a thick sweater on. Keep reading behind the cut for my thoughts on my new coat.

Review: CosRx Acne Pimple Master Patch

Warning: because this post is about acne-oriented hydrocolloid bandages, the subject matter is a bit gross. I don't have any of my own photos of the before and after of using these, but I link a few photos and it is a little icky to look at.

As I've mentioned before, I don't have great skin. My main problem is acne, mostly the large under-the-skin type that can hang out for weeks at a time. The problem is mostly under control, largely thanks to the Paula's Choice 2% BHA Liquid, which I previously reviewed, but something about the transition to full-time office work was making my skin act up. (By the way, I now recommend purchasing Paula's Choice products at Dermstore because there are often discount codes floating around the web, sometimes for up to 15% off or a little more.)

I first heard about using hydrocolloid bandages (aka blister bandages) as an acne-healing tool while reading r/SkincareAddiction (some icky photos linked in comments there). I had actually seen Nexcare ones designed for acne on the shelves at Taiwanese and Hong Kong drugstores, but I assumed they were just little stickers designed to spot-treat acne with, say, tea tree oil or other topical ingredients that I could just apply directly instead. I've tried a few products from the latter category, including both the A'pieu product I linked and one from The Face Shop. Neither was any good. Hydrocolloid bandages are great though, provided you use them correctly, and the CosRx Acne Pimple Master Patch is a particularly effective one. Read on, but be forewarned that even the basic description of how to use it might be a bit gross.

Blog Thoughts, Year One

via Tumblr

Now that I'm at my new apartment with considerably more space and natural light, I'm hoping to start taking more outfit photos and do more fashion reviews. (Bloggers' reviews of items I'm thinking of buying are always exceedingly helpful to me as a shopper.) Any photos I take will likely still be those headless mirror selfies I tend to do, though.

I'm almost a month shy of my one-year "blogiversary," and I'm having fun with tending this small creative outlet of mine. I'm so thrilled to have people reading along and engaging with me in the comments. Thank you so much to everyone who reads here!

I greatly enjoy having this space to talk freely about shopping, spending, and my forays into being a more conscious shopper and budget-conscious adult. The "aspiring minimalist" focus I started with has faded somewhat because I've internalized the things that are important to me about that lifestyle as best I can or am ready to (avoiding fast fashion when possible, doing my best to buy things with the intention of keeping them for a long time, etc.). 

You might have noticed that I've started using Shopstyle affiliate links despite being one of the many people who raise their eyebrows at some aspects of affiliate link usage. While I strongly dislike the Rewardstyle business model of giving a blogger a percentage of reader purchases at particular retailers (and for a several-weeks long period, at that), I don't mind Shopstyle's up to a few cents per click model. Also, full disclosure: there's no way my blog will ever be big enough or publish the right type of content frequently enough to even be accepted to Rewardstyle. I played around with where I put my "Disclosure" box in my sidebar: I actually think it is easiest to find and read at the bottom where it is now, rather than directly under my "About Me" box closer to the top, where it gets buried in the rest of the sidebar. 

I don't actually anticipate making income from this in the forseeable future, by the way: I've barely made 50 cents total since I started last week, and I don't think I post often enough or have appealing-enough photos for this to be a real thing. At the rate I'm going, it'll be a decade before I even have the $100 minimum required to cash out for the first time. I'll do my best to be detailed and specific about the items I wear or feature in a budget post, so that you can still find the items easily on your own without clicking, if you prefer. I strongly dislike when blogs try to "force" a reader to click through by being absurdly vague about where they bought what they're wearing and linking, and I will strive to not do that. With some items that I'm linking just to illustrate a point, however, I might not be quite as specific because I'm not specifically encouraging a purchase. If you're curious about how affiliate programs and other forms of income from blogging work, this GOMI thread was extremely informative. I've since stopped reading GOMI, but that thread remains an eye-opening favorite.

EDIT: There's now another GOMI thread that further breaks down some of the differences between the Rewardstyle and Shopstyle model. 

Review: Everlane Trench Coat

Coat: Everlane Trench, XS

Top: Equipment Lynn blouse, peacoat multi print, S

Pants: Loft Marisa Fit slim ankle pant, 4P

Shoes: Louise et Cie flats (old, similar in black)

Forgive the mirror selfies in low lighting and the wrinkled fabric, but I haven't seen any online reviews of Everlane's new take on the classic trench coat, and I thought that it might be a helpful review. The weather in NYC has been strangely warm this fall, and I desperately wanted a mid-length or longer coat that would be suitable for the only slightly cool temperatures. I have a short tweed-like moto-inspired jacket from Ann Taylor (similar to this one) that is just right for this weather, but the short length can look awkward when I wear it over my many long cardigans and sweaters.

I'm not the most knowledgeable consumer when it comes to trench coats. The only other ones I've tried are the Uniqlo Ines de la Fressange one from last year (now deeply discounted at $39.90, but it runs quite big and is only available from sizes S to L) which I thought was too heavy and unflattering on me and a single-breasted Calvin Klein design that I nixed because the shiny plastic buttons looked cheap and I objected to the 100% polyester fabric. 

There are a few not-so-good things that you should know about Everlane's classic trench if you're considering a purchase:

• First, it runs very big compared to Everlane's other items. The measurements on their site are accurate (as they usually are), but before I received the item, I thought there was no way that an XS at Everlane could ever measure 20'' across the chest. Lo and behold, it does. I'm roughly 36.5'' around the chest, more than most women around my general height and build, but this coat is a bit big for me despite being Everlane's smallest size. 
• Second, it is (unsurprisingly) designed for a taller woman, though I find it workable at my 5'3'' height. It hits right at my knee when its buttoned-up and belted, covering just the upper half of my kneecap. The sleeves are not particularly long, but other details are problematic. The belt loops and pockets are both intended for someone differently proportioned. 
• Third, it is only partially lined, in the sleeves only. I'm not sure how typical this is at the price point ($175) because, as far as I can tell, very few competitors offer a classic trench in 100% cotton for similar or lower prices. The lack of a full lining bothers me quite a bit.

I ended up keeping this coat despite the issues I mentioned above, which might not be the wisest shopping decision I've ever made. I do plan to get a few alterations done, starting with maybe slimming the sides and having the belt loops moved up. I'd also like to get a lining added, but I suspect all of these alterations will easily add up to more than the price of the coat, given the high prices at NYC tailors. The 100% cotton fabric tends to wrinkle, and the belt in the same cotton material has a little trouble staying fully tied if I run to cross the street before the light changes. More photos and thoughts can be found behind the cut.

Life Lately



I'm finally starting to feel settled in now, both at my office and in my new apartment. K and I moved during the last week of October, and it took another week and a half to finish buying new furniture and assembling it. I must say, it is very nice to go from a studio to an actual one-bedroom. Our new place is great. One of the big selling points is that the building has a good-sized and not particularly busy 24-hour fitness room with a good selection of dumbbells, weights, and your basic cardio machines. We're both really happy that it is now very easy to get in a workout.

I had a brief business trip to Chicago last month, and I thought it was a lovely city. It was too bad that I didn't really have time to go out and explore, but I did get the chance to snap a few photos of the skyline. I was staying near the Magnificent Mile, but didn't get to browse any of the shops there.

In other news, I'm continuing to struggle quite a bit with potential lifestyle inflation.

I think I'm starting to get the food spending under control, but it's also still a work in progress, especially when it comes to (not) cooking dinner. I think I have a good routine down for breakfasts and lunches. I bring my breakfast half the time by making a large batch of hard-boiled eggs at the start of the week, and I buy oatmeal at the subsidized office cafeteria for around $0.75 the rest of the time. For lunch, I'm perfectly happy to eat the same salad every day for around $4.00 (sold by weight) from the cafeteria. From past experience, I know that I generally can't buy and use up enough variety of vegetables to prepare my own salads with the variety of ingredients I get from the cafeteria. I bring lentils to make the salad a bit more filling, to prevent myself from getting too hungry and buying snacks in the afternoon. The afternoon snacks are probably not a habit I can break completely, but I do my best to buy from the grocery store rather than from the overpriced delis near work.

When it comes to shopping and my wardrobe, though, I've had a harder time. Spoiler alert for this month's budget post: I'm going to be over budget again, though I don't think it's enough to bust my budget for the year.  I've been in the market for a trench coat because I feel like a need a mid-length or long coat for spring and fall due to this long stretch of unseasonably warm weather we're having, and I have a review of the new Everlane trench coat coming up very soon. Also, although this won't go into my shopping budget, I'm planning to buy a fabric steamer because I have a lot of things, like silk shirts, that get wrinkly. I'm averse to using an iron due to lack of experience.

A Quick "Guide" to Income-Based Repayment

The process to enter income-based repayment on US federal student loans is so simple that it is hardly worthy of a post. I previously assumed that the procedures and rules associated with the various programs would be a rather daunting thing to learn about, much less apply for, and I was shocked by how easy it was. Admittedly, I don't even have perfect knowledge of what I've signed up for, particularly the crucial details of whether and when part of my loan balance could be forgiven. Because I plan to remain in a fairly high-earning white-collar professional field for most of the next decade, it makes more financial sense and actually saves me money to repay my loans in full within 10 years rather than pay the minimum for, say, 25 years, and have the rest forgiven, a treatment that is likely only available for part of my loans (and potentially results in a large tax burden later). 

Income-based repayment is not an absolute necessity for me, to the point where I feel sheepish about entering it. My minimum monthly payment was always going to be around $2000/month. I could afford it, and even planned to pay a fair bit extra on top of it. Even so, when my loan repayment terms demanded about $200/month more in minimum payments than I expected, I just got nervous. (I'd used the US government's repayment calculators, but I think I'd neglected how interest would continue growing in the last few months. Also, I think they made a mistake about giving me a shorter repayment term on one or two loans.) 

Long story short, the US government crunches the numbers for you and puts you on the lowest monthly payments you qualify for if that's the option you elect, and my new monthly minimum is $108/month. I still plan to pay as much per month as I originally counted on, but having that much more flexibility is reassuring nonetheless. 

Without further ado, here's the process I followed: I had already created a Federal Student Aid (FSA) login ID (which is separate from any prior FAFSA login or pin number that you might previously have had or your account with your loan servicer). Following this link takes you to a portal that gives you the option to "Complete Income-Driven Repayment Plan Request" in the sidebar after you log in with your FSA id. I filled out the form, provided basic information, and checked the box for letting the loan holder determine what plans I was eligible for such that they would put me on the plans that give me the lowest possible monthly payment. The hardest part was looking up enough information from last year's tax return (which is how they determine your income and the resulting payments) so that they could pull that information from the IRS. My federal loan servicer notified me a week or two later with my new terms. It was almost absurdly easy. 

Birthday Presents

This is a very quick post about the birthday presents I received from my mom and my sister, both from H&M's "Premium Quality" selection. I didn't previously know about this H&M line until I saw a post on Susie So So featuring the green version of the above scarf. In my family, by the way, we don't generally do gifts in the conventional way. Each recipient picks out what they want for themselves, and often even orders it on their own, and the giver reimburses them. It isn't traditional at all, but I find that it works better than trying to surprise the other person in many instances. There have been more than a few occasions where I picked out something that I thought was perfect, but the recipient never ended up using it. 

I only did a cursory amount of comparison shopping before picking out these gifts for myself. I had the vaguest thought that I might want a gray wool scarf as a Christmas present, and I might or might not have been looking at the Acne scarf as inspiration for that impulse. That notion somehow morphed into wanting both a gray wool scarf and a gray cashmere sweater. Both of those items from H&M were in the right price range, and my decision was made.

The scarf is nice and fairly soft. I don't have too much to comment on except that the wool seems to be good quality, and I have not had any issues with it or any reasons to doubt that. Based on the minimal comparison shopping I did, the $49.99 price seems excellent for a 100% wool scarf of fairly substantial width and length. 

The sweater is definitely one of those slouchy, slightly tent-like styles that are trendy now. It also has a pronounced shirttail hem and fairly high side slits. It isn't a classic style at all, and possibly not the most flattering style for my bustier build. However, I enjoy this shape in sweaters at the moment, and I feel like I'll continue wearing these styles in my casual outfits for the foreseeable future. This design, like many other H&M sweaters, runs fairly true to American mall brand sizing. I ordered a M based off H&M's size chart, which might have been a slight mistake, as the M is more than a little big. I decided to keep it though, because I do like that slouchy, casual look. At $79.99 for a 100% cashmere sweater, the price is exactly the same as for Uniqlo's cashmere sweaters at full price, and I find that the the cashmere is a bit softer and thicker than that of the Uniqlo sweaters.