Tuesday, September 29, 2015

AUTUMN ARRIVED!!









I am super excited about my first fall look.  My best investment pieces for fall are sweaters and cardigans. After redoing my closet I got rid of all my sweaters except for 3. Yes 3! I held on to this one because season after season it has kept me warm on those fall mornings and nights. I ordered a new cardigan that I can not wait to receive to cover my dresses that I am bringing with me into the fall season.

My booties definitely have some age on them but they are so comfy. When not in use I stuff them with tissue paper and cover with plastic bags and store in its original box. ..just a little tip on how I care for my shoes to keep them looking fresh! I was so tempted to purchase some new black suede booties; however, I am staying true to my 2015 challenge of only adding new pieces if I need them. I am not allowing the chill of autumn and my love of fashion to distract me from my plan.

Lets make it a good season of fashion, fun, and finances! Thank you as always for your support!!!



sweater: 525 America(old) current season here
cami: Karen Kane similiar here
romper: Bebe(old) current season here
boots: Vince cumuto similiar  now here
watch: Citizens
belt: old

Thursday, September 24, 2015

WHY NOT OWN IT!












Oprah was asked once whats the best part of being rich and she responded "owning property." That totally changed my mindset in terms of my financial plan to accumulate wealth. Therefore, when I walked out of the lawyers office after signing my closing documents I put together a plan to own my home as quick as possible. I was so motivated to experience ownership of something that appreciated in terms of value. Therefore, I wanted to share a few steps to owning your home:
1) Immediately get set up on a biweekly plan. This could save 5 to 6 years and tons of interest.
2) As you get a pay increase, bonus, or extra funds pay additional on the principal. It's worth it. For me the extra shopping I gave up was worth the future reward of ownership.
3) When rates are low refinance. Beware not to increase your years left on the mortgage so specify you only want a lower interest and payment if possible. The extra savings is additional you could use towards the principal of the home.
These simple steps can reduce a 30 year mortgage to 10 or 15 years. Now add that number to your current age and determine if it's worth it. 
Well thank you for taking time to read and as always I appreciate your support!


Top & skirt: old
Shoes: Vince Cumuto (I am loving current season here)
 bag: lucky brand: leather one here

Monday, September 21, 2015

LEOPARD & LIME








                           




Blouse: old (similiar here)
Skirt: old
shoes: Gianni Bini
bag: old (similiar here)
Watch: Citizen
Bracelet: Kay Jewelers
Shades: Michael Kors

Happy Monday!

Thursday, September 17, 2015

HOW TO BUILD BUCKETS







I often feel unassigned money can be dangerous if it is not designated in the right spots. Therefore, I want to share the buckets I use to help make sure my money is going in the right direction before I start spending on less important areas.

1) CASH ON HAND: I keep cash because technology can fail and I never want to be stuck without money. More importantly it is a tracking system for me to monitor how much I am spending.

2) EMERGENCY BUCKET: This is only touched for extreme emergencies. The great thing is because I keep cash on hand most of my emergencies are handled with cash.

3)  BUFFER BUCKET : This bucket is so important because this is where a lot of my enjoyment comes from like vacations and major purchases. I call this buffer bucket because it blocks me from tapping into my freedom bucket.

4) FREEDOM BUCKET: Under no circumstances is this bucket touched except for full retirement when I'm traveling the seas:)

This is definitely not the only way to achieve your financial security. Therefore this can be used as a blueprint or guide to help you create your own personal money philosophy and financial security. Thank you so much  for stopping by and as always I appreciate your support.

Shirt, skirt, shoes: Ann Taylor
Bag: Kate Spade
Watch: Citizens
Tennis bracelet: Kay Jewelers

Tuesday, September 15, 2015

light layers: Zip cardigan







 
 
 
 
 
Sweater & cami: Loft (similiar here)
skirt: Ann Taylor
Belt: Tory Burch
Heels: Gianni Bini
watch: Michael Kors
Tennis bracelet: Kay Jewelers

The mornings are chilly so my fall wardrobe will consist of light items like this cardigan. This sweater pair so well with my dressy and casual pieces and it does not add a lot of bulk. I adore that it has a zipper for when I'm going for a more sporty look. As the day heats up I peel off the sweater so I try wearing cute camis underneath. 
Well as always thank you for reading and good day!


here

Friday, September 11, 2015

Emergency: Tinytiff Talk






pants: Michael Kors
shirt: Van Heusen(old)
heels: Sam Edelman (old)

I absolutely adore how a blazer can add to a look! I always keep one in each of my cars along with a pair of pumps just in case I have a last minute appointment or an event to attend. Ive mentioned before that I believe everyone should have an emergency fund. I guess in the fashion world a blazer is apart of my emergency fund:)
An emergency fund is a critical piece in securing your financial future. An emergency fund is where you save for unexpected events or expenses. This fund at a minimum should consist of 3 to 6 months of your salary. Therefore, if you lose your job you have enough time and money to find another job or if your car needs to be repaired you will have the funds needed. Most importantly this fund will prevent you from having to use your long term savings that you have for retirement. Only 40% of the people in America have enough money set aside for financial emergencies and that is a big problem.

Therefore to build an emergency fund:
1) try reducing your spending and increase you savings.
2) If needed create additional income to fund this account. 
3) Only use this fund for real emergencies
4) Set up a specific amount each pay period to direct deposit into this fund.

Whatever you do pay yourself first and realize savings is a form of self-respect. You can do it but the change must start within you first.

Well thank you for reading and as always for your continued support.

Tuesday, September 8, 2015

Light Fall ruffles












Happy Tuesday! I adore this light and versatile silk ruffle blouse for the fall. It will definitely layer well under a jacket on those chilly fall mornings or nights. Happy week and as always thank you for your support!

Shirt: Ralph Lauren similar here
necklace:Talbots
watch: Michael Kors


Friday, September 4, 2015

Transitional Pieces: Lace sweater






















Sweater: Ralph Lauren
Skirt: Ann Taylor
Heels: Jessica Simpson
Watch: Michael Kors
Purse: White House Black Market

Happy Friday!




Thursday, September 3, 2015

Changing seasons: Fun print tee














 
Jacket: Antonio Melani
Shirt: Crown& Ivy
Shoes: Gianni Bini
watch: Michael Kors


I guess I am changing with the seasons because I now adore a cute and comfy tee shirt. ...so much that I am pairing them more often with my skirts and blazers. I can attribute this change to the humidity as well!

I am definitely taking these wedges into the fall season along with some other summer pieces that I just love.  Well as always thank you for your support!


Tuesday, September 1, 2015

Safari dress and scarf












Dress & scarf: Crown & Ivy
Purse: Clare Vivier
Shoes: Gianni Bini
Watch: Michael Kors

Happy Tuesday! I get super excited when seasons change. I look at it as a time to reflect on the prior season and set expectations for the upcoming season. Therefore I'm feeling so grateful about the joy summer brought me and eager to feel the goodness of fall.

I thought I would kick off a pre fall look with a safari dress and a scarf.  Well thank you as always for your support! Good day!