How to Afford Your Summer Wardrobe

By Abby Bly

Follow Me on Instagram: abby_bly

Try my meal plan here459aed81-c49f-4f9a-821d-ef1499b3894f

You love saving outfit ideas on Pinterest and Instagram, imagining yourself walking into social events in your new cute fits, and living out your style dream. But, when it comes time to shop, you exit your shopping cart at the last second or leave the store empty handed once you realize it’s time to pull out your wallet. When your first summer party rolls around, you’re still picking over pieces from last year, or even the one before that.. If this sounds familiar to you, lets talk budgeting, breaking bad habits, and improving your money mindset. It’s time to start owning your style! 

Breaking Bad Habits

nothing to wear

We all have our good and bad habits when it comes to money, and it’s not always spending too much that’s the problem. If you’re like me, you may have a habit of spending too much money in the wrong places, and too little in the right places. 

I know this may sound silly to some, but having my nails done makes me feel more like myself. As much as I always loved having acrylics, I would always complain about how they were so expensive to keep up and never got them done. I wouldn’t hesitate to spend lots of money out to eat or on coffee every day, but insisted that I just could not afford to keep up my nails. 

Similarly to my nails, keeping up my wardrobe and investing in wearable pieces has always been difficult for me. I would rarely allow myself to splurge on clothing and if I did, it was always on one or two pieces that I only wore a couple of times.

The trick to getting over this mindset? Your mindset (and your budget) has to make some room for your style. It’s time to stop feeling guilty about buying clothes, getting your nails done, etc. and start welcoming the abundance that will allow you to have more of what you want. And yes- I know that there are many who struggle to put dinner on the table, let alone worry about appearance. But, in my particular circumstance, it seemed silly for me to complain that I couldn’t afford to be smarter with my money- and I’m sure some of you can relate! 

Starting Fresh

Sis, if you haven’t worn it in the last 6 months, you’re not gonna wear it! I can’t even tell you how many years have gone by with the same old stuff sitting in my closet and me thinking, “but, what if I need it?!” even if I’ve worn it maybe once since I got it. Spring is upon us, and now’s the time to clean out your closet to make room for your new pieces! I did this recently and it feels so good to make space for the new and get rid of the old. It’s like shedding a negative energy. Please do this! 

Allocate 

Mainstreem Nails Denver

When I was ready to start investing in my nails, I sat down and budgeted how much of each paycheck I would need to keep them up. As I started making outfits and spending more $$ on clothes, I decided which pieces I could afford with this paycheck, and save other items for the next one. The key here, too, is to make outfits. This may seem like a no-brainer, but I can’t tell you how many times I’ve bought pieces that were cute or trendy but failed to realize that these weren’t staple pieces. 

Stop Feeling Guilty

Lastly, if you grew up in a household like mine, you’re probably an expert on being frugal. Unless it’s absolutely necessary, it’s “ridiculous” to spend money on it, and you can probably just find something similar at the thrift store, right? Even though I still love hitting up Goodwill from time to time, it’s been hard for me to allow myself to own my style because it’s always been viewed as a luxury. As long as you’re capable of budgeting and being intentional about your shopping, it is okay to let your inner style guru out. Ignore the judgement that comes with owning your style and spending your money. If it makes you happy, do it!!

Hopefully this will leave you with some style inspo for the week 💖 talk to you soon!

-xo, Abby

You’re Not Just a Broke College Student

 “If ‘I’m just a broke college student’ is your mantra, you’re not going to be partying with Cardi any time soon” -Abby Bly

By Abby Bly

Follow Me on Instagram: abby_bly

Processed with VSCO with bbma preset

It’s time to stop holding yourself back

…Or, letting other people convince you that you should hold yourself back. I know it’s easy to give in to loved ones who want to offer their best advice, but the truth is that if the people giving you advice aren’t after the same set of goals, it may not be worth listening to. 

I’ve had to dodge loads of comments from others who’ve somehow determined my abilities for me. Friends tell me that I should plan on earning a crappy salary and lower my standards simply because I’m, “just a college student”. I kindly brush off those comments because to be candid, they’re just not true! 

By the time you’ve finished reading this post, you’ll have two new skills that’ll help you manifest your financial goals and ignore any negative comments. 

“I’m just a broke college student”

I’m totally guilty of saying the above statement, because when you’re only working part-time (or not at all), it may feel impossible to get these “big fat checks” that Cardi B tells us about. But for real- I’m tired of hearing people talk about the inevitable struggle. If you constantly put your energy into focusing on how broke you are, how are you supposed to manifest any money? Anyways, if “I’m just a broke college student” is your mantra, you’re not going to be partying with Cardi any time soon. 

As a senior level college student, I feel like I’m being told the same old story constantly- that I’ll graduate with the realization that the world is hard, be inevitably poor & living with my parents, and scrape by until I can move out. Sorry, but I’m not operating on that frequency- and I hope you won’t either. 

Don’t get me wrong- by no means am I knocking the struggle. I totally believe in having to earn your desires and goals, and nobody said it would be easy. I’ve stayed living at home throughout my college career in order to save on housing. I’ve paid for more than half of my tuition all by myself out of pocket. However, manifestation is an important process for every area of your life. I set high intentions for my future, and you should too!

Changing Your Mindset 

money issues

I use the college student example because it relates to me, but no matter where you are in your current situation, we all could use a mindset shift. I’ve grown up with the view that money causes problems because like many, I grew up watching my parents struggle. If money problems are all you know as a result of your upbringing, you may get caught up in the belief that financial struggles are inevitable. Jen Sincero talks all about this concept in her book, You are a Badass at Making Money. This is one of my favorite books of all time, and I would highly recommend it to those who want to learn the most effective way to earn more $$.

If you imagine that money and opportunities are scarce, you’ll trick yourself into taking the easier route, telling yourself that you can’t accomplish your goals, and settling for the reality that appears in front of you. If you imagine that money and opportunities are well within reach, you’ll challenge yourself more, tell yourself that you can have anything you want, and ask for your dreams to become reality.

open

Pertaining to the above graphic, I had three job offers on the table last week. I accepted two of those offers, landing a promotion at my current job as well as a summer position offering nearly $8 more per hour than I made previously. But these opportunities didn’t happen by chance- they happened because I opened up to receive them. Prior to this I was scrambling to put in extra hours in and find side jobs, scraping by, and stressing out. If you’re solely focusing on thinking of the exact ways that you can earn more money, you’ll close off to the opportunities that are right in front of you. Stay open to opportunities, and don’t spend too much time stressing about where the money is coming from. 

It’s Not All About the Money 

When speaking about the desire to be financially prosperous, you may encounter others who will want to remind you that “there are other things more important than money”. A friend told me recently that she was confronted by a peer who boasted about the fact that while she didn’t earn as much money, her job was “more rewarding”. I totally agree that experiences are more valuable than currency, but is there some reason why we can’t live rewarding lives and be financially successful? Wouldn’t you be happier if you could afford to do more of what makes you.. happy?

Being financially stable isn’t all about being rich and greedy- just think about all of the things you would do if you had more money. For instance, I have dreams of moving into my own apartment downtown, helping my mom with her bills, being able to treat my friends and family to experiences and vacations, and donating. See, wanting more money doesn’t have to make you feel guilty. If your plan involves doing more for others, then how could being rich be bad?

An Exercise:  

43326578_028_bI guess you could call it a vision board, but I have pictures hanging all over my wall of things that inspire me. I bought some string and clips to hang my photos, and placed a Walgreens Photo order of matte finish pictures pulled from Pinterest and Google. 

My personal pictures include photos of Bora Bora (somewhere I’d love to visit), healthy meals (to inspire my wellness journey) apartments overlooking the city, and more. You may see pictures of your dream life on other people’s social media pages on a daily basis, but there’s no action involved with envying other people’s lives. Action comes in when you separate others from your dream life and imagine it as your own daily. Usually when I come home after work, I spend some time looking at each photo and remember the reason why I chose to hang it on my wall. Having more money will allow me to visit my dream destinations, eat healthier food, and find my dream apartment. I do my best to look at these photos each day not only to hold me accountable but motivate me to keep manifesting! The firefly string pictured left is from Urban Outfitters.

Your Homework Assignments

So, here are your first two homework assignments to start your money making journey:

  1. Start reading/listening to You are a Badass at Making Money
  2. Create your vision board- and it doesn’t have to be anything complicated! It can be as simple as hanging a few pictures or ideas to your wall

badass money
I hope that this post has helped some of you to see a new perspective on the subject of money! Don’t forget to share your stories in the comments, and connect with me on Instagram at abby_bly to show me your vision boards and your copy of You are a Badass at Making Money! 

Have an amazing rest of your week! 

-xo, Abby