16 Best Ways to Save Money at Pottery Barn in 2021 – Discounts & Sales

If you’ve ever gone shopping for home decor, furniture, and bedding, you’ve probably visited a Pottery Barn.

The Williams Sonoma subsidiary is best known for its upscale products and stunning floor displays. Since its founding in 1949, Pottery Barn has branched out into Pottery Barn Kids and Pottery Barn Teens to appeal to a wider audience.

Despite these changes, Pottery Barn has always maintained a premium status for their brand. But if you’re shopping on a tight budget, there are numerous creative ways to save money at Pottery Barn.

Between in-store hacks and ways to save money on furniture and home furnishings, you probably don’t have to pay full price when you hit up this popular retailer.

Best Ways to Save Money at Pottery Barn

Pottery Barn is unlikely to compete on pricing with more affordable retailers like Ikea. But you don’t have to pay full price just because a store is stylish.

Many money-saving Pottery Barn hacks can help you make your next home furnishings upgrade affordable without sacrificing quality.

1. Join The Key Loyalty Program

The easiest saving trick every shopper can use is to join The Key member rewards program. This loyalty program extends to Williams Sonoma’s family of brands, meaning it covers Williams Sonoma and Pottery Barns along with Mark and Graham, and West Elm.

Joining The Key is free. You start by picking your favorite brand and then sign up for The Key through that brand’s website. To sign up, provide your name, email, address, phone number, and birthday.

Once you’re a member, benefits include:

  • Earring 3% cash back across the family of brands
  • Getting exclusive access to new deals and releases
  • Using Pottery Barn and Williams Sonoma’s free design service

You can redeem cash back as store credit across any Williams Sonoma family store once you reach $15. You can use cash-back rewards from The Key program with your cash-back credit card rewards to increase your savings, and you can redeem your balance online or in-store.

2. Follow Local Stores on Social Media

You can follow Pottery Barn on social media if you want general updates about sales and country-wide initiatives. However, truly frugal shoppers are better off following their local stores.

Local store pages are useful for several reasons. For starters, you can reference them to find store hours or a contact number and to check whether the store’s open on holidays.

Additionally, local stores post photos of their inventory and sales. That’s when you can find specific pieces on clearance or products that are only in stock at your preferred location.

But note that not every Pottery Barn has a local Instagram, Facebook, or Twitter.

3. Sign Up for Pottery Barn Emails

If you want a low-effort way to save, sign up for the Pottery Barn email list.

Subscribers receive information about exclusive sales and promotions, so you can wait for a sale or event before you shop. You also learn about new Pottery Barn products and upcoming store events.

4. Use Online Pottery Barn Coupons

Another trick to save money at Pottery Barn is to use online coupons.

There are numerous online coupon databases you can search for deals, including:

These websites let you activate online coupon codes before shopping, potentially earning percent discounts and perks like free shipping.

Similarly, you can also use shopping browser extensions for online shopping to automatically apply available coupons at checkout. Two popular browser extensions that work with Pottery Barn are Capital One Shopping and Honey.

Both extensions apply coupon codes at checkout, ensuring you don’t miss out on savings. Both platforms also let you earn rewards by shopping at hundreds of partner retailers.

An advantage of using extensions over coupon websites is that you don’t waste time manually searching for coupon codes on the Internet. However, it’s important to note that coupon codes don’t always work, and you might find a particular website or extension works better for you than others.

Capital One Shopping compensates us when you get the Capital One Shopping extension using the links we provided.

5. Shop With Discount Gift Cards

If you shop at Pottery Barn frequently or are planning a shopping spree, buying discount gift cards is a simple way to save more money.

People regularly sell unwanted gift cards to marketplaces that then resell them at a discount. Usually, discounts range from 1% to 2%, so you can buy a $50 Pottery Barn gift card for around $48.

That’s not a lot, but for larger purchases, discount percentages often increase. For example, on some discount gift card websites, you can find $100 and $500 Pottery Barn gift cards with $10 to $20 discounts.

Some popular gift card marketplaces include:

Gift card availability and denominations vary based on supply and demand. Raise generally has the most extensive collection, and you can usually find Pottery Barn gift cards ranging from $25 to $100.

Plus, new members get a 10% discount bonus with the coupon code “FIRST” for a maximum savings of $20.

Since more significant discounts provide the most savings, the key is to plan your Pottery Barn shopping trip. That way, you know exactly how much money you need and don’t overspend on gift cards.

6. Understand Shipping Rates

At Pottery Barn, shipping costs depend on your total order price and whether you want standard shipping or next-day shipping. Standard shipping arrives in four to five business days and upgrading to next-day costs $26.

To potentially save more, consult Pottery Barn’s shipping rates and fees table. For orders under $200, you’re looking at up to $21 in shipping fees. However, orders of $200.01 or more charge 10% in shipping until you reach $3,000 or more, at which point shipping costs drop to 5% of your total order value.

If you’re on a massive Pottery Barn shopping spree, consider what a 5% or 10% shipping rate does to your bill.

For example, at $2,900, you’re looking at $290 in shipping costs. However, spending $100 more to reach $3,000 brings shipping costs to $150, netting you $40 in total savings.

If you’re close to a shipping-reduction threshold but don’t need anything else, ask friends and family if they need anything or think about any upcoming gifts for birthdays and holidays. But crunch the numbers.

If buying a low-cost product still saves you significant cash, it’s worth it. You can always donate unwanted merchandise and get a charitable donation tax deduction. Just check the sale and clearance section for deals.

Finally, look for products that are available for pickup when shopping online. If you live near a Pottery Barn, making the drive is probably worth it to avoid paying for shipping.

7. Shop on Clearance

If you want to find Pottery Barn products at a discount, your best bet is to wait for a clearance sale or floor sales event.

Pottery Barn’s website has a sales section, so you can begin your search for deals online. But visiting your local Pottery Barn allows you to find markdown products the retailer doesn’t advertise online.

Occasionally, Pottery Barn also sells floor models during floor sales events. That includes furniture and other inventory previously used for in-store displays, which the company can’t sell as new. This inventory often has minor scratches or dents but is sold at a discount.

If you don’t mind buying furniture with a potential scratch or two, floor sales are worth keeping an eye on. Alternatively, check the online clearance section regularly to look for deals.

8. Shop Off-Season

Chances are you’ve tried shopping off-season to save money on clothing or back-to-school supplies. But have you ever considered shopping off-season for home decor?

Like other retailers, Pottery Barn rotates their floor displays and inventory to match the upcoming season. So you can buy a set of summer linens and bright throw pillows as you enter the fall to save money in the long run.

9. Visit a Pottery Barn Outlet Store

Pottery Barn has several outlet stores where you can find floor models, returns, overstocked inventory, and slightly damaged or worn inventory it can’t sell in regular stores.

Essentially, outlet stores help Pottery Barn liquidate excess and gently used merchandise, which means you can potentially find discounts.

Currently, the following states have one or more outlet locations:

  • Arizona
  • California
  • Georgia
  • Illinois
  • Massachusetts
  • Michigan
  • Missouri
  • New York
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

Just remember: Outlet prices aren’t always lower than the regular retailer, and you should also factor travel time into your bargain hunt. When in doubt, call ahead and ask for specific pricing on pieces you’re considering and for a store attendant to check product availability.

You can also sign up for Pottery Barn Outlet emails to receive outlet store-specific newsletters about new product arrivals and deals.

10. Buy Gently Used Pottery Barn Products

If you don’t live near an outlet, you can shop at companies that resell used and like-new Pottery Barn products at lower prices.

Several websites where you can find used Pottery Barn products include:

You can also shop on auction sites like eBay if you don’t mind bidding and potentially negotiating with sellers.

Selection can be limited when looking at resellers, but the effort is worth it if you find your next living room set or coffee table for half the price.

11. Use the Pottery Barn or Other Cash-Back Credit Card

The Pottery Barn credit card is perfect if you’re a serious Pottery Barn shopper. There are zero fees and plenty of perks. For example:

  • Earn 10% back for shopping at Pottery Barn, Pottery Barn Kids, and Pottery Barn Teens when you spend $250 or more on a single purchase.
  • Receive early access to sales, limited-edition collaborations, and information on new arrivals.
  • Shop for $0 down with 12 months of financing on purchases of $750 or more.

The 10% back in reward points is the primary selling point for this card. For example, if you spend $3,000 redesigning your living room, that’s $300 in rewards — not bad for a no-fee credit card.

However, you must spend $250 in one transaction to get the reward, which severely limits the usefulness of this card if you don’t spend much money on your Pottery Barn trips.

If that’s the case, shop with some type of cash-back credit card to maximize savings.

Cards like the Chase Freedom Unlimited® (read our Chase Freedom Unlimited review) and American Express Blue Cash Preferred® card (read our American Express Blue Cash Preferred review)  are excellent options that have welcome bonuses and cash-back rewards for everyday spending, making them a better choice if you don’t frequently shop at Pottery Barn.

12. Take Advantage of the Military Discount

If you’re an active military member or veteran, you and your family can take advantage of Pottery Barn’s 15%-off military discount. This discount also applies to Pottery Barn Kids and Teens as well as Williams Sonoma.

Plus, military members also get 10% off on electronics at Williams Sonoma.

13. Create an Online Registry

If you have an upcoming wedding or want to save money on newborn expenses, Pottery Barn has registries you can use to save money.

The Pottery Barn wedding registry helps your wedding guests shop for gifts you’re actually going to use. Plus, you can add products from any retailer in the Williams Sonoma family of brands to a single registry.

You can also ask a registry expert to help you craft a registry list that suits your style.

After the wedding date, you get a 10% completion discount for up to six months, meaning you have six months to buy out the remaining merchandise on your registry at a discount.

The baby registry from Pottery Barn Kids works the same way, except you get a 20% completion bonus.

14. Save on your New Move

Paying for moving supplies to pack and ship all your stuff adds up fast.

Thankfully, Pottery Barn has several incentives to help keep moving costs down. For starters, you get $15 off when you spend $75 or more on Sherwin-Williams paint.

Since 2 gallons of Sherwin-Williams paint typically costs between $75 and $150, depending on the paint type, that’s generally enough to paint an average-size room if you’re applying two coats.

Note that Sherwin-Williams is on the pricier side, so unless you’re in love with one of its colors or need high-quality paint to cover up darker colors, brands like Behr and Valspar are typically more budget-friendly.

You can also sign up for the New Mover Program to receive a welcome catalog and design advice for your new home. Pottery Barn also offers free design services to new movers.

However, the best part of the moving program is the installation service. The retailer can mount your TV, hang curtains, paint your new home, and assist with other installation and assembly for a small fee.

First, verify the Pottery Barn in your area offers this service. Then get a quote and compare the price to hiring another professional or doing the work yourself.

15. Use the Pottery Barn Employee Discount

Pottery Barn employees get up to 40% off regularly priced merchandise and an additional 20% off on clearance. So if you’re looking for a side gig and have a redesign project coming up, applying to Pottery Barn could be worth it.

Plus, you can use the extra money to help pay for your upcoming project and take the sting out of paying for it with your regular paycheck.

The Williams Sonoma family of brands hires throughout the year, especially during the holidays, so keep an eye out for job postings if you’re considering this saving trick.

16. DIY Pottery Barn Knockoffs

Crafty shoppers might be better off getting creative than paying higher prices for official Pottery Barn items.

If you’re open to a DIY project, start by searching for Pottery Barn knockoffs on Pinterest. A single search yields hundreds of knockoff ideas, tutorials, and decor ideas you can use to transform your home while staying on budget.

Some design bloggers also focus on knockoff DIYs. Knock Off Decor has a category that’s full of Pottery Barn DIY projects that can save you money.

Often, these projects involve purchasing more affordable materials from places like the dollar store or a local hardware store. Some projects simply involve upcycling existing pieces of furniture to match Pottery Barn’s aesthetic.

Just remember to consider your time and level of experience before taking on a DIY project. If you can score massive savings and enjoy working with your hands, the knock-off route is one of the best ways to decorate your home on a budget.

But if you’re busy or just all thumbs, it’s probably a waste of time.


Final Word

Saving money and scoring discounts probably aren’t the first things that come to mind when you think of Pottery Barn. But it’s possible.

However, you should still shop around, especially if you have a massive home renovation project coming up. Retailers like Wayfair, Overstock, Crate & Barrel, and even general retailers like Target often carry cheaper alternatives to Pottery Barn products.

You might have to get creative and mix and match products from different retailers to achieve that Pottery Barn aesthetic. But if shopping at Pottery Barn alternatives saves you money and matches your design vision, it’s worth the effort.

If you’re committed to Pottery Barn, give yourself as much time as you can when planning your home makeover. If you can wait a few months for a clearance event or for specific pieces to go on sale, you can furnish your home with high-quality furniture and home decor without spending a fortune.

Source: moneycrashers.com

The Best Parks and Green Spaces in Philadelphia

From the moment William Penn, founder of the Colony of Pennsylvania, set aside Philadelphia’s Five Great Public Squares as part of his “Greene Countrie Towne” city plan, Philadelphia has been recognized for its amazing public green spaces and parks, large and small, urban and woodsy. Nearly every neighborhood contains an inviting, safe, inspiring public space. But what are some of the best?

Fairmount Park

Fairmount Park PhiladelphiaFairmount Park Philadelphia
Fairmount Park

Every discussion of Philadelphia parks must start with Fairmount Park, the largest space within the world’s largest urban park system.

Stretching from the Strawberry Mansion to the Spring Garden neighborhoods, the East Park half of Fairmount Park lies on the Schuylkill River’s east bank. This side features scenic running and biking trails that wind past historic sites such as The Philadelphia Museum of Art and Boathouse Row, with its famous light display, large plateaus near Brewerytown, which include the Sedgley Woods Disc Golf Course and Strawberry Green Driving Range and the vast Fairmount Park Athletic Field, where you can hop into a pickup hoops game or join an organized sports league. For a quieter outing, the recently renovated East Park Reservoir is one of the best bird-watching enclaves in the city.

Across the river, though still in Fairmount Park, the West Park runs from the Wynnefield neighborhood down to Mantua. Here you can take the kids to the first-in-the-nation Philadelphia Zoo, the Please Touch Museum or the John B. Kelly Pool right next door.

For a more adult excursion, take in a concert and an amazing view at the Mann Center for the Performing Arts or fling a Frisbee at the Edgely Ultimate Fields. In the winter, Philadelphians of all ages take to Belmont Plateau for the city’s best sledding hills.

Wooded parks

Wissahickon Valley ParkWissahickon Valley Park
Wissahickon Valley Park

For everything Fairmount Park has to offer, other city parks boast their own perks. The expansive Wissahickon Valley Park extends from Chestnut Hill through East Falls in North Philly. There you’ll find people on mountain bikes and on foot traveling the winding gravel paths of forested Forbidden Drive, youngsters learning while having fun at the Wissahickon Environmental Center Tree House and anglers casting into the trout-stocked Wissahickon Creek.

Running from Bustleton to the Delaware River in Northeast Philly’s Holmesburg section, Pennypack Park is a 1,300-acre wooded creekside hiking and biking oasis that provides nature programs at Pennypack Environmental Center, a full working farmstead with cattle, sheep, pigs and chickens at Friends of Fox Chase Farm, and King’s Highway Bridge, the oldest in-use stone bridge in America.

In extreme South Philly, you’ll find Franklin Delano Roosevelt Park, adjacent to the professional sports complex, which contains a full 18-hole golf course, a nationally-celebrated skateboard park and the Meadow Lake Gazebo, long a popular spot for wedding photos.

The John Heinz National Wildlife Refuge at Tinicum, a little farther south in Eastwick next to the Philadelphia International Airport, is a top hiking, canoeing and fishing spot within a stunning environmentally-protected tidal marsh.

Urban parks

Spruce Street Harbor ParkSpruce Street Harbor Park
Spruce Street Harbor Park
Photo courtesy of Anastasia Navickas

If you prefer parks that feel part of the city rather than those that feel like you left the city, Philadelphia won’t disappoint.

Atop the Circa Centre South Garage in University City is Cira Green, a new rooftop greenspace boasting seasonal coffee carts, summer movies and some of the best views of downtown.

Named by Jetsetter Magazine as one of the “World’s Best Urban Beaches,” Spruce Street Harbor Park at Penn’s Landing is an eclectic recreational sanctuary along the Delaware River with seasonal food and beer trucks, a riverside boardwalk and a cluster of more than 50 cozy hammocks, which hang under spectacular LED lights strung amongst the trees.

From biking to basketball to bird-watching, Philadelphia’s city parks and green spaces offer unlimited means of escape from the bustle of urban life.

Comments

comments

3 Credit Cards to Help Fund Your Wedding

You have not favorited any cards

Click on the heart icon to add to your favorites list

<!–

Review featured cards from our partners below.

–> /* Preloader Skeleton*/ .card-row:empty width: 100%; max-width: 1200px; height: 1000px; /* change height to see repeat-y behavior */ padding: 0 15px; background-image: linear-gradient( #EFEFEF 1px, transparent 0 ), linear-gradient( #EFEFEF 110px, transparent 0 ), linear-gradient( 100deg, rgba(255, 255, 255, 0), rgba(255, 255, 255, 0.5) 50%, rgba(255, 255, 255, 0) 80% ), linear-gradient( #EFEFEF 30px, transparent 0 ), linear-gradient( #EFEFEF 15px, transparent 0 ), linear-gradient( #EFEFEF 20px, transparent 0 ), linear-gradient( #EFEFEF 50px, transparent 0 ); background-repeat: repeat-y; background-size: 100% 345px, /* divider line*/ 155px 340px, /* card*/ 35% 340px, /* highlight */ 60% 340px, 35% 340px, 20% 340px, 100% 340px; background-position: 100% 0, /* divider line */ 0 40px, /* card */ 0 0, /* highlight */ 190px 40px, 190px 80px, 190px 160px, 100% 220px; animation: shine 1s infinite; @keyframes shine to background-position: 100% 0, 0 40px, 100% 0, /* move highlight to right */ 190px 40px, 190px 80px, 190px 160px, 100% 220px;

Source: credit.com

Engagement Ring Cost – How Much of Your Salary Should You Spend?

So, you’ve decided to take the big step and propose to your sweetheart. Congratulations! It’s an exciting moment, but it’s also a nerve-wracking one.

Right now, your mind is probably teeming with questions: What’s the most romantic way to propose? Should you present a ring when you pop the question or hide it for your honey to find? And crucially, how much should you spend on it?

It isn’t just a problem for guys. In 2018, Brides magazine reported that record numbers of women are searching for ways to propose to their significant others — both male and female — and some of those proposals include a ring. But even for women expecting to receive a ring rather than give one, cost is an issue.

Getting married doesn’t just mean joining your lives. For most couples, it also usually means combining your finances. That means whatever sum your partner spends on your engagement ring is coming out of the money you’ll both have to live on in the future. It’s a decision that affects both of you.

The 2 Months’ Salary “Rule”

If you consult bridal magazines and other wedding-related resources, you’ll probably see many references to the “rule” that an engagement ring should cost one, two, or even three months’ worth of the bridegroom’s salary.

But did you ever wonder where this “tradition” came from? It was actually made up by De Beers, a cartel that controls most of the world’s diamond market.

According to the BBC, at the beginning of the 20th century, most engagement rings didn’t even contain diamonds. Beginning in the 1930s, De Beers ran an incredibly successful ad campaign to promote diamond engagement rings, which popularized the idea a ring should cost one month’s salary.

The campaign did so well De Beers pushed the concept even further in the 1980s, raising the suggested ring price for American consumers to two months’ salary. In Japan, it upped the ante still more, proposing three months’ salary as the benchmark price.

Clearly, this “tradition” doesn’t have a lot of history behind it. And yet, in less than 100 years, it’s become overwhelmingly pervasive. Not only do most engagement rings today contain diamonds, but according to The Knot, the amount the average American spent on one was $5,900 in 2019.

The average income for a single American that year was around $49,000, according to the United States Bureau of Labor Statistics, so the average ring price was between one and two months’ salary.

There’s one big problem with this formula: Most Americans don’t have this much cash to spare. According to a 2018 Bankrate survey, fewer than 30% of Americans even have the six months’ worth of living expenses experts recommend keeping in an emergency fund, let alone an extra one to two months’ salary to spend on a ring. And for single Americans, savings figures are even lower.

That means that to spend two or even one month’s salary on an engagement ring, most Americans must either drain their emergency savings or, worse still, start their married lives with debt. For many couples, that gets piled onto additional wedding debt and other debts they accumulated before their marriage, such as student loans.

This shared debt burden weighs on your finances throughout your married life. It hampers your credit scores, making it harder to buy your first home together. It could even affect your decisions about parenthood by putting the cost of having a baby out of their financial reach. Finally, based on a 2020 Fidelity study, it dramatically increases the chances you will fight about money.

In short, the De Beers ad’s message — that buying an expensive ring is the best way to get your marriage off to a happy start — has no basis in fact. In fact, according to a 2014 study at Emory University, the opposite is true. It found that men who spent $2,000 to $4,000 on their partners’ engagement rings were 1.3 times more likely to end up divorced than those who chose more modest rings priced between $500 and $2,000 — that’s an increased risk of 30%.


Setting Your Own Guidelines

As you can see, the two months’ salary rule is neither truly traditional nor particularly helpful. There’s no one-size-fits-all rule for how much to spend on an engagement ring. You have to figure it out based on your situation, factoring in both your finances and your partner’s expectations.

Learn What Your Partner Expects

Before you can even think about shopping for a ring, you need to know what kind of ring your partner wants. If you know them well — and you certainly should if you’re preparing to spend your lives together — you most likely have some idea what kind of jewelry they like.

But an engagement ring isn’t just any piece of jewelry. It’s a symbol of your love and commitment to each other. It’s something your partner is going to wear every day. You want it to be something they feel thrilled about and comfortable with.

Based on the DeBeers ads, it might seem like you can’t go wrong simply choosing the biggest diamond you can afford. However, that’s a vast oversimplification.

There are many differences among diamond rings, including the size and shape of the stone, the design, and the band metal. If your partner wants a gold ring with an emerald-cut solitaire diamond, presenting a platinum ring with a round diamond flanked by sapphires won’t be a pleasant surprise.

In fact, your partner might not want a diamond ring at all. Before the 1930s, most engagement rings didn’t contain diamonds. Maybe they’d prefer an old-fashioned ring with a different type of stone. Also, if they’re the socially conscious type, they may prefer to avoid diamonds because of all the environmental and human rights abuses associated with diamond mining.

It’s also not safe to assume your partner would prefer to have the largest ring possible. For one thing, it’s not the size or price of the ring that makes it meaningful. You could make a much better impression with a ring you had custom-designed to fit your partner’s taste than with a much bigger ring you simply picked out of a display case.

In a 2015 Brilliant Earth survey, nearly half of women and 30% of men said what mattered to them most about an engagement ring was its design, while only 6% of women and 8% of men said the size of the diamond mattered most.

Additionally, a frugal partner might actively hate the idea of spending thousands on a ring when you could put that money to more practical use. In a 2014 ERA Real Estate survey, 50% of women said they would rather skip the large engagement ring and put that money toward the down payment on a house — and 17% said they had already done so.

There are even some people who would prefer not to wear an engagement ring at all. When I got engaged to my husband, I told him I didn’t want a ring because I disliked the idea of wearing a ring when he wasn’t — as if I were spoken for, but he was still a free man until the wedding day.

Instead, we opted for the Elizabethan custom of wearing our wedding bands on our right hands until the ceremony, then switching them over — which also happened to be cheaper.

The easiest way to find out what your partner wants in an engagement ring is simply to ask. If you don’t want to spoil the surprise of the proposal, try strolling past a jewelry store while out on a walk and casually asking which rings in the window they like best. You can also try asking their friends or family if they’ve ever talked about what they want in an engagement ring.

Finally, pay attention to anything they mention on the subject in conversation. Even if you’re trying to keep your proposal plans a secret, there’s a good chance they have an inkling about your intentions. If so, they may be dropping a few hints to help guide your shopping.

Evaluate Your Finances

What kind of ring your partner wants is only half the equation. You also have to figure out how much you can afford to pay for it. That depends on both your financial situation and that of your partner. You’re going to be sharing a home and expenses once you’re married, so the money you spend on this ring is really coming from both of you.

That doesn’t mean you necessarily have to ask outright how much they think you should spend — unless you know your partner would appreciate that kind of upfront approach. But it’s essential the two of you discuss your finances before getting married, and that discussion can give you a better idea of how much you can reasonably afford to spend.

Talking about money may seem unromantic, but it’s something you need to be able to do as a married couple. If you’re ready to make a lifelong commitment to each other, you should be prepared to talk openly about your financial situation. Topics to discuss include:

  • Your Income. The more you make as a couple, both now and in the future, the more you can reasonably afford to spend on a ring. If you have to draw down your savings to buy it, you’ll be able to replenish it quickly. Talk with your partner about how much you each make now and about expectations for future earnings.
  • Your Expenses. You can’t use your earnings to pay for the ring if they’re already committed to other expenses. Talk about how much each of you currently spends on living expenses and how much you’ll spend as a married couple. Then consider how much of your income that will leave to contribute to savings.
  • Your Current Savings. It’s obviously important to know how much you both have right now. If you don’t have enough saved to pay for the ring with cash, you have to go into debt for it, which isn’t the best way to kick your marriage off on sound financial footing.
  • Your Debts. Going into debt for a ring is an even bigger problem if you or your partner already have other debts, such as student loans or credit card debt. Be candid with each other about your current debts and how much they cost each month. This information matters when you’re deciding what type of ring you can afford.
  • Your Financial Goals. Finally, consider what other financial goals you and your partner want to save for. Possibilities include your wedding, paying off debts, buying a home, starting a family, and putting your kids through college. When you list all your goals and consider how much they matter to you, suddenly, a big ring might not seem like such a high priority.

Final Word

If your partner’s preferences are pretty much in line with what you can afford, you have no problem. However, if the ring of your partner’s dreams is simply beyond your means right now, you’ll need to find some way to compromise.

That could mean settling for a smaller ring, waiting longer while you save up for a big one, or looking for ways to make that fancy ring more affordable.

However, don’t lose sight of the fact that the ring isn’t the most crucial part of the proposal. What matters most is the person doing the proposing.

If your partner really wants to be with you, it will be the proposal that makes them happiest — not the ring that accompanies it. Presenting a smaller or simpler ring isn’t going to be a deal breaker. And by choosing a ring that fits your budget, you can leave yourself and your partner more money to live happily ever after on.

While you’re at it, you can protect your future finances by looking for ways to save on your other wedding expenses. Check out our marriage archives for tons of ideas.

Source: moneycrashers.com

Here’s How to Upcycle Clothes and Revamp Your Wardrobe

A woman cuts into clothing with bags of clothing behind her in trash bags.

Halima Garrett has made wrap pants out of a vintage skirt and estate sale fabric. She became interested in upcycling due to her large collection of vintage clothing she’s collected over the years. Photo courtesy of Halima Garrett

Have you ever stared into the depths of your closet and thought: “I have absolutely nothing to wear?”

If your normal inclination is to dejectedly sift through what you already have, it turns out that there is a better way  — and it doesn’t involve buying anything new. Enter the world of upcycling.

Here’s how to upcycle clothing and give yourself a whole new(ish) wardrobe.

First, What is Upcycling?

The term ‘upcycling’ comes from the idea of recycling an old item, but with a twist. Upcycling is not just reusing something, but tweaking that item to make it better than before.

An upcycled garment often bears little resemblance to its former state. Take Colorado-based designer Maggie Henricks of Create Good Company. She crafts boyfriend skirts out of men’s dress shirts. With patterns ranging from plaid and polka dots to bright Hawaiian florals, Henricks’ designs make for an interesting cross between masculine and feminine fashion norms.

Halima Garrett, who runs Thread of Habit out of New Jersey, got into upcycling by way of her love of vintage clothing. Garrett had amassed so much clothing over the years that she simply didn’t know what to do with it all. Finally, she decided the best option was to rework some pieces.

Even though she calls her sewing skills “basic,” Garrett was able to make wrap pants out of a vintage skirt and estate sale fabric. In fact, her website boasts an entire lingerie collection — each reworked piece contains at least one vintage lingerie item.

A woman creates a new outfit out of an old skirt and an old purple shirt.
Garrett combined fabric from two old pieces of clothing to create the outfit on the right. Photo courtesy of Halima Garrett

Here’s the best part about upcycling: your clothing will be one of a kind. And if you want to give a friend an inexpensive gift that they’ll cherish, upcycling an item for them is a great idea. You don’t even need to have a sewing machine, and all of these DIY projects can be done from your own home. There’s an exclusivity to it that might be enough to make even the least sewing-inclined person want to upcycle clothing.

For those of us who don’t want to sell our upcycled clothes but do want to wear them, Garrett and Henricks have some tips and tricks to take your grandmother’s nightgown — or whatever you want to redo — from frumpy to fancy.

1. Know What to Salvage and What to Cut Up.

If you’re working with vintage clothing or just old clothes in your closet, Garrett advises assessing what you’re cutting up before you take the scissors to your favorite jeans.

If an item has stains on the armpit or a hole that’s too big to mend, by all means, cut.

But if you’ve rescued a pre-1970s item from Goodwill’s bins and you want to preserve its original quality, it may be better to choose a different item to upcycle. The same goes for an item with sentimental value. Ask your mom — and yourself — before you cut up her old wedding dress.

2. Start Simple.

Garrett has proven that it’s possible to upcycle old clothes without the skills of an advanced seamstress. The easiest way to dip your toes into upcycled clothing is by starting small. Try cutting a pair of pants into shorts or cutting a long-sleeve shirt into a short-sleeve T-shirt.

3. Use Your Wardrobe as Inspiration.

Is there something in your closet that you absolutely love? Would you love to replicate it? That’s a great place to start when upcycling. Use the garment you love as a model for how you want another item to fit. Or if you like the color combination of an outfit, consider using that combination in an upcycled piece. After all, imitation is the sincerest form of flattery.

Another way to reimagine what you already have is looking at what something could be if it were a different type of garment. Do you love the fabric of a dress but hate the fit? Make it into a two-piece set with a tank top and skirt. Are you sick of your old jeans but they still fit well? Try sewing on a patch of fabric to the knee.

4. Look at Your Old Clothes as Parts of a Whole, not as a Single Garment.

Henricks always thinks of any item as different pieces of fabric rather than a shirt, a skirt or a dress. That helps her to get inspiration.

Measuring the size of your garment can help to think of a way to creatively rework it. And if you don’t have enough to make something new out of one piece, think about combining multiple into one.

http://

“It’s important to think away from what it is now,” says Henricks, “and focus more on the fabric and patterns that you have available in the material.”

5. Youtube Tutorials are Your Friend.

Youtube videos are usually the best place to start for any technical skill. Garrett recommends searching for tutorials on “no-sew upcycle” or “minimal sewing upcycle.”

The fact that videos under that designation exist shows that no-sewing upcycling is possible. Three of Garrett’s favorites are Angelina of BlueprintDIY, Mimi G Style and Shania O. Mason.

6. When Looking for Guidance, Be as Specific as Possible.

When looking at the piece you want to remake, think about what it is specifically that you want to change. Do you want to make the top or pants tighter? Do you want to put slits in a dress?

Once you have a tentative visual in mind, that makes it easier to search online for guidance. You can then find a specific tutorial in line with the exact alterations you want to make.

7. When You Find Your Niche, Stick With it.

Have success reworking one item? You don’t necessarily have to branch out. Stay there and see what else you can do within that framework.

Henricks is focused on the men’s dress shirts arena. And she has found inventive ways to upcycle different aspects: not only does she make boyfriend skirts from the shirts, but she also makes dog collars from the shirt collars and crop tops. She is a great example that finding your fashion lane and sticking to it can yield some of the most inventive and creative ideas.

<!–

–>



Source: thepennyhoarder.com

How to Create a Comprehensive Budget for Your Dream Wedding

Planning a wedding is a notoriously exciting and stressful experience. If you’re lucky enough to have a wedding on the horizon, you likely already know the tremendous amount of work that goes into creating the perfect wedding. No matter if you’re planning your wedding on the cheap or hoping for an extravagant destination wedding, the best place to start when planning your celebration is with the budget.

According to a recent survey, 45 percent of couples reported going over budget on their weddings in 2017. As the average wedding costs around $27,627, the costs of overspending on the scale of a wedding can be steep. Learning how to budget for your wedding can help you avoid going into debt and have some money left over for a nice honeymoon. Your wedding should be a time of celebration and happiness, so follow these steps to get the hard parts of budgeting out of the way first thing.

5 No-Stress Steps to Budget For Your Wedding

1. Figure Out How Much You Can Spend

Similar to creating a regular budget, you’ll need to start by calculating you and your partner’s net income. Next, figure out how much you can save each month by subtracting your monthly expenses from your total income. This includes everything from utility bills to date nights out, so be as thorough as you can. Once you’ve figured out how much you usually have left over to put towards your wedding, you may find you need to cut some unnecessary expenses to save more money in time for your wedding.

When it comes to family members’ contributions to the celebration, don’t be shy about asking exactly how much each set of parents is willing to contribute. On average, the bride’s parents paid for 44.5 percent of wedding costs last year. Each family’s financial situation will be different, but getting a specific range or number of what family members are comfortable contributing will help you create your wedding budget and make sure everyone’s happy with their level of involvement.

2. Set Your Priorities

Talk with your partner about what you think is the most important aspect of your wedding. There will likely be expenses that you have to compromise on, but for the most part this will help you to spend less on things neither of you cares about, and make the most of what you do want. You and your partner should each list your top three priorities, and then compare lists. Even if your priorities don’t exactly match, talk about why each component is important to you. You may realize you want different things for the same reasons.

For example, if you think having excellent food is the most important part of the wedding and your partner thinks a great band is essential for a good time, you may find that you both want guests to have a fantastic experience. Talking through your wants reveals you both want to provide good food and a fun atmosphere for your guests.

3. Prepare for Surprises

One of the reasons so many couples go over their wedding budget isn’t necessarily because they weren’t trying to stay on track, but because countless costs can pop up unexpectedly. Sometimes guests forget to RSVP until the last minute, so plan extra seats and dinner plates for the reception. In addition, you may find that the most affordable venues, caterers, or bands are unavailable for your wedding date and you end up needing to spend more on alternatives. Either way, the critical thing to remember is to leave some cushion in your budget if possible.

Keep in mind also that vendors may require additional payment for services that you assumed were included in their package. Photographers may have additional fees for giving you access to your photos online, while venues may charge a break-down fee after the wedding. Read the contracts with your vendors, musicians, makeup artists, and venue carefully so no charges sneak up on you.

4. Find Ways to Save

There are many ways to save on your wedding, from DIYing, getting help from your friends, or just being savvy and shopping around. Give yourself enough time when planning your wedding to comparison shop vendors, dresses, bands, and everything else you need. It’s common for vendors to increase their rates for weddings because they know couples typically spend a lot of money. If the vendor gets the sense you’re in a hurry, they may raise their rates because they know you don’t have the time to look elsewhere.

Keep in mind the season when you plan your wedding. You may find that having a wedding in an off month like December will make it easier for you to save on venues and services because this is one of the least busy months. Certain times of day or week are often much less expensive, too. Fridays or Sundays in the afternoon may save you thousands if you don’t care about when you have your wedding.

Don’t let the small details get to you. Couples who fixate on the color of the lights at the venue or the type of chairs at the reception can end up paying thousands of extra dollars for these details to be changed out when no one will be paying much attention to them anyways.

5. Keep Yourself Accountable

Try using a spreadsheet or a budgeting app to keep track of every expense for the wedding. Since the process of planning a wedding can take a long time, even the occasional expense that goes unaccounted for can quickly add up and leave you wondering where a large chunk of your money went. Every time you pay for a cake tasting or send a batch of invitations, don’t forget to record that expense and add it to the running total. This way, you can see how you’re doing towards your budget at any time.

You can also categorize your budget by food, venue, and services. By doing this, you can adapt your budget as expenses rise. If you find yourself spending too much on catering, you may decide to leave out the videographer after all. Either way, keep track of your spending so that you remain responsible for staying under budget.

How Much Should You Spend?

Every wedding budget will vary depending on what you and your partner care about the most. Keeping in mind what most couples spend can help you stay on track — and help you know what to expect. To figure out how much you should be spending on each category, first set aside around 5 percent of your total budget for surprise expenses, and then account for the largest expenses at your wedding.

The venue is usually one of the largest expenses and takes up around 40 percent of the typical wedding budget. However, just because it is one of the most significant expenses doesn’t mean you should necessarily spend everything on your dream venue. With larger venues, your guest list may increase, and with more people, your food and drink costs can quickly multiply out of control. Keeping your location cost at less than half of your total budget will ensure you have enough to pay for everything that goes into your venue as well. To reduce your venue costs to zero, consider having a backyard wedding or a wedding at a friend or family member’s home.

The photographer or videographer is often the next most substantial cost. If you want professional photographs and videos of your wedding, this will cost around 16 percent of your total budget. Wedding photographers often offer multiple services at different rates, which can help keep the costs in a range you’re comfortable with. Consider taking just a few group photos to keep your costs low. If documentation is essential to you, you can opt for multiple photographers capturing every moment and a convenient digital album.

The cost of food and drink may often eclipse the cost of the photographer depending on your guest list, tastes, and whether you decide to have an open bar. The average wedding budget allocates around 10 percent for food. This can vary greatly depending on how large your wedding is and how many options you provide your guests. To save money consider offering a few delicious staples and a limited drink menu.

What’s the Average Cost of a Wedding?

Here’s another look at how you might break down the costs of your wedding. Consider copying the percentages into a spreadsheet to help get your budget-tracking started:

  • Venue: 40% – Average Cost: $15,163
  • Dress: 5% – Average Cost: $1,509
  • Decor: 8% – Average Cost: $2,379
  • Food: 10% – Average Cost: $70 per person
  • Photographer/Videographer: 16% – Average Cost: $4,542
  • Hair and Makeup: 3% – Average Cost: $966
  • Music: 3% – Average Cost: $1,000
  • Wedding Planner: 6% – Average Cost: $1,988
  • Miscellaneous expenses: 6% – Average Cost: $1,900
  • Transportation: 2% – Average Cost: $830
  • Invitations and Stationary: 1% – Average Cost: $408

Tips to Stay Under Budget

  • Don’t be afraid to ask for help. Save time and money by reaching out to your friends and family for assistance. Ask your bridesmaids or groomsmen to help stuff envelopes for your invitations or put together centerpieces for the tables.  
  • Keep track of how much you’ve already spent. If you’re starting a budget for the first time halfway through the process or lose track of how much you’ve spent, go back through your receipts and bank statements to account for everything you’ve already bought.
  • Budget for demos. One of the great perks about planning a wedding is tasting some of the best cake and appetizers out there for free. However, you may be asked to pay the vendors if you change your mind and need multiple sessions. Sometimes the samples from the caterer or florist are not free, so make sure to keep those costs in mind to avoid any surprises.
  • Cut the guest list. While reducing the number of invites can be very hard to do, this can also make the most significant impact on cost. Eliminate guests you haven’t spoken to since high school and don’t feel pressured to invite someone you don’t really know. Try limiting children and plus-ones to reduce the numbers even further.
  • Check which local flowers are in season. Request flowers for the bouquets and any decor that are in season to prevent any exorbitant shipping costs for greenery that can’t be grown near you. Not only will this save you money, but it will also ensure the flowers at your ceremony or reception are fresher.
  • Ask for help instead of gifts. Many friends and family are happy to provide services like baking a wedding cake or doing your photography in place of a wedding present, so don’t be afraid to reach out to your invitees that have a helpful skill.
  • Reduce rates by displaying vendor cards. Ask your vendors if they would offer a discount if you advertised their business at your wedding. Vendors may lower their rates if you simply display a tasteful business card or placard next to the food or floral arrangements.
  • Get more from one vendor. Try to find a vendor that offers multiple services, as bundling your costs together will save you money. A wedding planner who is also happy to take care of printing your invitations will save you more money than going through two different companies.
  • Change your style. Black-tie weddings require a more expensive venue and extravagant decor. Save money on every aspect by going for a cozier feel with less expensive accents. You can also make DIYing your centerpieces easier for yourself if you go for a creative mix-and-match vibe.

While planning your wedding can be a stressful and time-consuming experience, putting in the extra effort up front to set a budget will make the process a lot easier. As an added plus, your budgeting and organization skills for your life will no doubt improve. No matter if you plan a wedding based on the national averages or your wedding is completely unconventional, the important thing to remember is that you get to decide what matters to you most on your wedding day. If you focus on the people and experiences that make you happy, you’ll be sure to have your own dream wedding.

Sources: HereComesTheGuide | Brides.com | TheKnot | WeddingWire | TheKnot

Learn more about security

Mint Google Play Mint iOS App Store

Source: mint.intuit.com