I’ve used this line before, but it deserves repeating, because things that are $20 and under are so. easy. to. buy. They are like the silent killer of your bank account or credit card bill, IF you’re not paying attention.
Photo: Whipping Post
I ran a booth once for dignify at a big Christmas market, and right across from us was a candle seller. Here I was, with these beautiful, hand-crafted items that were colorful and rich with an amazing story behind them. “People online love our blankets!” I thought to myself. “So many people purchase them as gifts; selling them here is going to be fun & easy!”
While I was setting up our booth, I glanced over at the candle shop. Jars of candles. Candles shaped like a banana loaf with 3 wicks. No special scent. No interesting story. Just simple, $15 candles. “Will people buy these things?” I wondered.
The answer, it became clear, was a resounding YES.
Over the next 9 days (over 3 weekends) as I twiddled my thumbs and re-folded blankets and talked about our story, I saw LINE-UPS across the hall of people buying candles.
What I realized is that $20 is very, very easy to spend. It wasn’t that these items were extraordinary; exactly the contrary: many people were looking for a simple, decent, ordinary gift that they could give to a co-worker, mother-in-law, host, or include in a gift exchange. And, at the very ordinary price of $15, it was a very low barrier for buy-in.
But what do all of those $15-$20 purchases add up to?
You may have had this experience when you’ve looked at a month’s credit card bill; the total has your eyes bulging, but the detailed list doesn’t seem to show anything very notable. As a young married gal, I would look at our bill and think, “I don’t even have anything in the triple digits – how does this all total to $2000?!”
But, imagine a fairly regular day: you treat a friend or your daughter (& yourself) to drinks & pastries at a coffee shop in the morning. After you part, you swing by the mall where you pick up your latest book club read at the bookstore, grab some organizational containers that you’ve meant to pick up, then see a darling bowl on the sale table at West Elm before you go. Tonight, your family’s activities go a bit late, so while you’re waiting for piano lessons to wrap up, you pop in and buy a prepared meal from the grocery store.
Boom! That was a $100 day!
Nothing expensive, nothing too extraordinary, and certainly could all be worthy ways to spend money (books are edifying; house needs arranging, sanity-saving meal shortcut, etc.).
Maybe in your life, the $20 at Starbucks is no big deal. Your version could be $80 at IKEA or The Container Store, or $200 at Costco. But, any time that money seems to disappear without any satisfaction to show for it… these are the places that we need to re-examine and think about. What else might you get with the disappearing $20, $100, $200? A framed art print? A date night out? An upgrade at a hotel? A gift to a person or organization in need?
When you begin to ask these questions, the answer may be that you wouldn’t change a thing. If so: Great! What matters is that you begin to ask, look, think, and make more informed decisions.
Then, you will have the confidence to purchase when a great opportunity arises. You will feel the satisfaction of money well spent, instead of bewilderment over the disappearing act of money seeming to fly out of your wallet.
Our production partner, Basha, began in one little office in Dhaka, Bangladesh — the most densely populated city in the world. Over the many years they have been in business, creating kantha textiles & jewelry, they have expanded: both in number of staff, and also locations.
It was helpful for some women to leave the norm of their old life environment, to get away, to start fresh in a new city. So, Basha created different offices in varied locations. They established a girls' home to safely house daughters & other vulnerable young women as they come of age.
As Basha has continued to identify the great need of women in Bangladesh, there is another area they have expanded: actively seeking women in brothels & whispering the potential of a new life.
As I was packing for our first family international flight (to London UK), I wanted to make sure that we had everything we needed to make our overnight journey the most comfortable. As you know, those flights can be a little chilly - so I wanted to bring blankets for all of us. Naturally, I wondered...
Can I bring a blanket onto a plane?
In short: YES! According to the TSA you are allowed to both check a blanket in your luggage and to bring a blanket on a plane within a carry-on (and this also includes electric blankets). You can even bring your own blanket in your arms as you would a jacket or hat, without it counting towards your carry-on or personal item limits or paying any extra fees.
When I got married as a baby (4 days over 21), I was still a student. Then, we both worked for a bit, then we had babies, and then my husband was a student. For almost all of those years, our "budget" was: try to not spend money.
This head-in-the-sand tactic has served us... ok... BUT, now that I'm pretending to be a real grownup (at age 35 — youngest children tend to be late to the responsibility party), I'm taking a new approach!
After Christmas, I started using You Need a Budget (YNAB) to track every expense & plan for future spending. Two months in, here’s what I think.
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