Talking about shopping addiction

bagConfession time? I’ve got a shopping problem. And I happen to think they’re not that uncommon.

While I wouldn’t say my shopping is an all-out addiction, it’s definitely an activity I have to monitor. I’ve never gone buck wild and wracked up a ton of debt, mostly because I wasn’t able to get a credit card until I was well-aware of my problem. But for someone with access to real cashflow, I can see how easy it would be to have a serious shopping problem.

I think shopping addiction (or “reinforced shopping”, so-called because the purchase is reinforced by a swell of endorphins and dopamine) is something we don’t talk about much because it seems like a silly rich girl problem… which, while being totally reductive to the problems of women who happen to be rich, is in my experience totally untrue. In fact, I often find that shopping is more momentarily rewarding for people who are broke.

Second, I think reinforced shopping is something just about every person has done at some point in their lives. We all know the story, right? “Retail therapy”. “Treat yo self”. Buying something indulgent, just to feel fance. Buying something you really don’t need, just to get to shop, just to get to have something special. Feeling great immediately afterwards… but then coming back to reality later and realizing, hey, I kinda wish I had that money back. Maybe you’ve returned the thing or, more commonly, found the thing in the back of your closet two years later, unused and unneeded.

We all shop to a little bit of excess. But some of us know that feeling all too well, all too often.

Several years ago, my life was in a bit of a slump. I finally had disposable income, but I was in a very weird place, emotionally. I had a job that other people would eagerly call a career, but I was making a third of what my partner at the time was pulling in. The fact that my income was not only (by comparison to a “real adult”) small and limp, it was completely unnecessary. I wasn’t needed for bills or savings. My contribution was disposable.

And so I disposed of it.

I told myself I was building a business wardrobe, but really I was buying a ton of very inexpensive, poor quality clothes, accessories and shoes. Part of me knew I needed to put it toward savings, but I just couldn’t bring myself to do it. It felt so delicious to put my money towards a Le Creuset cooker, desk accessories, gifts… it was so much more rewarding emotionally than the thought of saving my money for… for what? For a home? I already had one. For a car? I’d just lease one when the time came. For my future? What future?

My future wasn’t tangible. Saved money wasn’t tangible. Overpriced shit? That was something I could touch, get compliments on, show off, share with friends. Overpriced shit gave me some illusion of status, some feeling of being interesting or worthy of some attention. It gave me a sense of actually doing something–at the time, we never went out or did anything with our time. Shopping was me time, time to be alone and I could feel however I wanted–irrationally exuberant or lost in thought or angry waffle and nobody would comment or ask me about it or NEED ME. I was just shopping.

When I torpedoed my relationship, I was suddenly on the hook for moving expenses, deposits on rent, gas, electricity. I was suddenly on my own. I suddenly needed those savings I didn’t have. But shopping “helped” me then, too. New home? I need a new mop! Towels! Hell, let’s get some cats!

When I overdrew my account to buy a present for a friend, everything skidded to a halt.

I’d set my card up to not LET me overdraw my account, and I’d set it up to pull anything that overdrew from my miniscule savings account. But the bank didn’t do that. I caught it before there were any overdraft fees, but I realized this was my crisis point. I barely had enough in savings to cover rent and utilities. I was living paycheck-to-paycheck, I realized. AND POORLY. I was setting myself up for a very frustrating financial life.

All because I was letting shopping be my single source of enjoyment.

I’d like to say I cut myself off, but that would be a lie. Instead, I let my reinforced shopping take a different shape. Instead of blowing my money on stuff, I blew it on food. But this was more measured and limited (after all, there’s only so much I can eat!) So it worked for me for a while. When my boyfriend came along, he started to cook more for me, so my savings grew and grew. When we moved, I realized I had WAY too much crap. When my car turned out to be an expensive headache, I realized I needed to buckle down and really adult-up. When I had an organ removed, I knew I had to pay my bills, so my purse strings tightened further.

I still have trouble with shopping. Y’all know that I drop some dollars for mystery boxes. And shopping gives me that little thrill. But I contain it. I measure it out. If I allow myself a splurge here, I cut myself off over there. But it’s hard. I have a habit of lying about how much I spent, even though I know I should be proud of how I’m keeping it in check. And I still find myself window shopping the internet when I’m bored or sad or lonely. And I still look at the things other people have and feel frustrated and deprived, like I just don’t measure up. But I’m working on it.

I’ve seen a lot of friends post lately about reinforced shopping. My encouragement for everyone is to always measure shopping. Be honest with yourself–and others–about how much you spend. If you feel the urge to shop coming on, “shop” through the things you already own; I bet you’ve already got something you’re not using that will feel brand new. Try small, contained DIY projects to freshen up things you already have that are a bit neglected. Rather than shopping, meet friends at your home or theirs and cook dinner together, pamper yourselves or watch a movie… but be sure to talk about them feels that have got you wanting to shop. And most importantly? You matter. Without all the stuff, without any window dressing. You’re awesome! Keep your head up and take comfort knowing you’re not alone.

Economics

This video.

The chart you’re going to see from about 3:30-6:00… most people you know are in the 0%-50% range.  Through the dream of capitalism, they believe that at any moment, they might become one of the 90%-100%, or that somehow, the 90%-100% do something to help their lives in some way.  That’s what we’re raised on as Americans.

The fact is, that’s not quite true.  Most people would do well to break into the 60%-70% range.  And the people who fall into the skyrocketing brackets of wealth?  They get wealthy through a network of investments, sales and business moves.  They stay wealthy by hoarding their money like dragons on crack.  Often off-shore.

I’m not saying we should have tax reform that asks us all to give what we have for somebody else.  The tax system we have now is a bit broken, but I’d say it’s just about as fair for the 0%-70% as we can manage.  There’s always pain on the fringes of each tax bracket, but as far as I can see, no tax reform is going to fix that.

The tax reform we should champion is asking for just a tiny bit more from the people whose wealth is so great that we can’t even chart it.  If they’re really such tycoons of business that they’re already doing there share, is it unreasonable for us to ask how, specifically, they’re doing that?  If we shouldn’t touch their money and there’s good cause, I’m all ears.  However, for every financial initiative that’s been pro-business for the purpose of hiring more and benefitting lower-level employees more, there’s been zero movement.  So I’m willing to see tangible proof of their contribution and accept that as help.  Having employees?  That’s a contribution, but that’s not a personal contribution the way it is for a small business owner who sacrifices her own salary to have a staff.  Donating to charity?  Awesome, but how is that helping the economy as a whole?  Buying stuff?  Nice, but how much of that is spent on the US economy?

Is it unfair to ask that of the highest-earning Americans?  Definitely, and I wouldn’t want to be in that position.  But if their argument and influence against having to spend more on taxes is that they’re already contributing, shouldn’t they have to offer tangible proof rather than just vague theories?

More than that, why aren’t we demanding it, rather than just accepting what we’re told is true?  Because we think we could be them one day, if only we’d win the lottery (PS Bill Gates has about 507 times the wealth that you’d gain by winning the lottery in my state right now.)

Sure this oversimplifies.  But I think it’s something we need to think about and understand rather than just operating on our limited view of how much money even exists.  People always get in a huff about tax reform, but I feel like the average person doesn’t even understand the enormity of changing the taxes on the highest-earning 20%.  More than that, I’m bothered by the fact that people aren’t bothered when the suggestion to raise taxes on that 20% gets shot down immediately.  (57 members of Congress fall in the mystical 1%.)

Car Talk

I’m having trouble with my car again. My instant reaction to car trouble is to just flail and weep.
I have a Chevy Cavalier. According to the state of Kentucky, it’s worth about $1200. A year and a half ago, I took it to a transmission shop, and they charged me $3300 for repairs that would later prove to be absolutely worthless.
This car is the right car for me, when it’s working. It’s small, I feel comfortable driving it, it usually does what I want it to.
But when it’s misbehaving? Holy smokes, does it ever piss me off.
More than anything, it’s frustrating to try and diagnose a problem with the exact flags it’s throwing up, because apparently, someone decided that the car’s computer should throw this flag up when pretty much anything at all is wrong with the thing. Looking at car repair forums, it could mean about a dozen different problems.
And the biggest problem is: I don’t have unlimited money to take my car to a shop and let some mechanics poke around at it. I don’t have unlimited time to wait for my car to be fixed. I have one mean of transportation. I need my frickin’ car. And I certainly don’t have the money to buy a different car, which makes me heartsick.
I know we have to keep the mechanics of the world in business, but wouldn’t it make more sense for cars to give more specific answers as to what’s wrong?
Can someone pretty please call Oprah for me?

How I’m Trying to Save Money (And it Ain’t the Same Ol’ Shit)

The more I started reading the web for tips on saving money, the more I discovered that I’m already doing almost everything these people have recommended.  I feel like I’m not alone in this–this isn’t the first time I’ve heard to turn off the lights when I leave the room, DIY stuff whenever possible or cancel gym memberships (which I never had in the first place.)  My car is already paid off and as fuel efficient as a POS can be, I split my rent with a roommate and I don’t even buy vegetables much because they rot so fast.  I don’t pay for haircuts.  I’m a Goodwill maven.  But that doesn’t mean I don’t need to save even more money.

Where the hell are the tips for the already pretty frugal?

Below are some ways that I’m going to try to save money that I hope aren’t total “No Shit, Sherlock” moments for everyone else.  What  are you doing to save money that isn’t a “duh”?

– Unsubscribe From Sales

For me, flashy email updates from my favorite brands are one of my worst spontaneous-spending triggers.  I’m always legitimately needing new jeans, but it’s so easy to throw in an extra top whenever there’s a sale on.  To get a hold on this, I’ve just gone through and unsubscribed from everything that’s a sales pitch.  My inbox is already thanking me.

– Set a Financial “Diet”

I read an awesome article that detailed budgeting like caloric intake; subtract your necessary expenses (bills, savings) from your income, then divide by 30 to get your daily budget and don’t spend more than that any given day.  For me, that would be impractical, as that budget is less than a tank of gas in my tiny car.  But I’m using that figure times seven to get my weekly budget… and that number is so do-able!  The trick is to keep a notebook and write down everything you spend.

– Spend Less on Hygiene

I’m not suggesting you skip your hygiene altogether, but I am saying that you’re probably spending too much somewhere on your primping routine.  Some shortcuts?  Gender-free or “men’s” razors, shaving cream and deodorant are almost always less than the pink versions.  Pore strips?  DIY is sooo much cheaper.  My cleaning routine is already as threadbare as I can go, but I am DIYing my dry shampoo (cornstarch, yo.)

– The Library

Books and movies are wonderful entertainment, and my home would feel empty without them.  I still buy books I really love.  But for books that you likely will never pick up again?  Checking them out is free, and most libraries have lengthy borrow periods.  Plus, most libraries have movies for rent that are much less expensive than almost every rental place.   If your library doesn’t have a book or movie you’re interested in, just ask!  They’ll usually order it and put it on hold, just for you.  The caveat?  Sometimes you have to wait for a book to come in stock, and if you happen to lose a book (coughcough) then it can be just as expensive as buying.  Or more.

– Pay in Cash

For me, carrying cash is such a hassle.  But using it pays off (wakka) sometimes.  Many gas stations have a 5 cent per gallon discount for paying in cash.  (This also applies to using your debit card PIN at a lot of locations, but be aware that if your bank charges you for PIN usage, you might be eating the savings.)  Some retail locations do this, too!  Medical facilities also offer secret cash discounts.  You have to pay the full amount in cash, but you can sometimes rack up a 10% discount from a hospital.

– Wishlists

Keep a running Amazon wishlist.  Anything you want but don’t need immediately, chuck it up on the wishlist.  Point your closest loved ones to the list and suggest that it’s a starting-off point for your birthday or other gift-giving events.  That way, they don’t have to ask what you want, and you won’t tell them “Oh, you don’t have to buy me anything…”  They should know where the list is and should buy from it if that’s what they want to do.  Don’t be shy.  There’s makeup, clothing and household cleaning devices on my list.