Thursday, May 12, 2022

Let's Talk Afterpay

 Here is something a little different. It seems like layaway has grown up or at least changed a little bit. Klarna, Affirm and Afterpay is the new credit/layaway type of deal. The retail scene has changed over the past 30 years. Online shopping, recessions, credit card meltdowns and now the pandemic has changed things.

For a while, I kept seeing Klarna, Affirm and Afterpay being offered when I've been doing some online shopping. I've always been a little curious on how those things worked and what they were. After checking them out, I liked the concept of them. I'm working of paying off credit card debt and trying not to use credit cards so much. It's not an easy thing to do. But I was ready to give Afterpay a shot.

Outside of an initial down payment of whatever I am buying, I have 3 more payments to make every 2 weeks before whatever I bought is paid off. The first place that I tried out Afterpay was Ulta. They were running some sort of sale type of things and I decided to bite the bullet and just try it out. I figured that if I didn't like Afterpay, it wasn't a huge deal, the balance wasn't huge and it would be paid off fairly quick. Yeah, I had bought another bottle of Chanel no 5 and something else that I really needed. After I made my initial payment, what I ordered was shipped to me. Layaway used to be that you had to pay the entire balance off before you could get your items. Afterpay doesn't work like that, after the initial payment is made, said item is shipped. I did like that aspect and I also like the e-mail and text reminders of when the next payment is due.

Besides Ulta, FragranceNet and Luckyscent both offer Afterpay and I think that I really shouldn't have looked to see who else might offer Afterpay. I think that it would make things a little easier to spend way too much money but I am working on using Afterpay sparingly. I will admit when Christmas rolls around, having something like Afterpay as another form of payment might come in handy. Especially since Afterpay doesn't charge interest and only an $8 late fee if you forget, even with reminders. I haven't forgotten payments but I was curious in the off chance that I forgot or a big bill just popped up. Even though my limit is up to $600, I do have the chance to have that limit increased but in my case, that might not be the wisest thing to do but if I ignore that and not use Afterpay too much, I think that it won't be a huge problem.

Sunday, May 1, 2022

The Same Stuff Over and Over Again

My mother cut her California trip short and is now home. So much for some of the projects that I had planned to do. Three of the candles that I had started, refused to stay lit and in the trash they went. I have already finished 2 candles yesterday and will finish 2 more today. I have no freaking idea on what candle I am going to start now but that's okay at this point.

I was none too happy when I found out that a trip was cut short. I had made a decision to redeem most of my Ulta rewards points and get a bottle of no e Eau Premiere and another bottle of no 5 edt. I figured that it would arrive before my parents came home and they wouldn't see any kind of packages and gripe about it, even though I redeemed my Ulta points for them.

But I noticed something. There are some perfumes that I buy over and over again. No 5 in many of it's concentrations, Mitsouko, vintage BaV, Amouage Lyric and Epic seem to be the ones that I have the most of. I will admit that after no 5, I haven't gotten the other ones listed in quite a while. But with vintage Mitsouko and BaV, I haven't been prowling E-Bay for them. Amouage is getting harder to find a discounters and my beloved Deneuve has gotten so stupidly expensive, especially for minis. So no 5 it is.

I do wish the no 19 was a little more widely available and if Ulta carried it, I'm sure I would have stocked up even more. But Ulta and even Sephora mostly focus on best sellers but that seems to be most department stores that focus on things they know that they can sell pretty easily and even with my healthy supply of no 19, I don't reach for it often enough. I really ought to start wearing some other stuff that I have.
 

Tuesday, April 26, 2022

Rien by Etat Libre d'0range

So my parents are leaving for their vacation tomorrow and they booked a really early flight out. After reminding my mother for the better part of 3 or 4 days, to start getting ready packing wise, she is now panicking. You've known about this trip for at least 2 weeks and now it's come down to the wire. All in all, I can't wait for them to leave. Most of the groceries that I need have been bought and I just need to get milk and some dog food. I am looking forward to having an empty house and then I can burn all the candles that I want and which ones that I want with nobody complaining. But let's get to doing a review since I haven't done one in quite a while.

A couple days ago, I decided to take Rien by Etate Libre d'Orange for a spin. Let's just say that this is not my thing. There is something about it that just doesn't agree with me. Some have pegged this as a chypre, some as an amber perfume. I do have a great liking to the point of love with chypres and a dislike for amber perfumes. My nose says that this is more of an amber. I get the rose, I smell the incense, tons of patchouli and an overload of amber. But one of the things that I am picking up on is some kind of coconut vibe and I have no idea where that is coming from. All that I can say is that it just doesn't work for me because it smells like an amber mess on my skin. I will admit that I just don't like this one and I am hoping that I can like one perfume from the Etat Libre d'Orange line and I'm hoping that I will like Jasmin Et Cigarette.
 

Wednesday, April 13, 2022

Travels

My littlest nephew has a birthday on May 1st and my parents are traveling to California to go celebrate. In spite of a larger tax refund, there were bills that I wanted to pay off and that cash is gone. I'm trying to be more of an adult and hold off on fun stuff and trying to get myself into some better financial shape. Yes, I want to travel but there are other things that take precedence.

Since my folks will be out of town, I am starting to get some of my shit together. I am making a rough draft of any kind of groceries that I might need. But I won't know more until closer to when my folks leave on what I need. I do have some plans to do some projects but nothing major or terribly important. It's mainly things that I want to get done without someone breathing down my neck.

Yes, I do plan to use up some of my candle collection and I am trying to figure out which ones I want to use. I plan on shooting for 8 or 9 candles to be used up. I am trying to make some kind of progress on culling my collection just because I want some kind of space. I am trying to keep with a resolution of using stuff up or just getting rid of it. 

It will be great to have some alone time. Time to burn whichever candles that I want, wear the perfumes I want and not have anyone complain about them. Now I just need to get through the next two weeks.
 

Thursday, April 7, 2022

That Was Fast

 The Sephora sale has come and gone for me. First day of the sale, I did nab that bottle of Coco Mademoiselle Intense and the Dolce Gabbanna Light Blue Intense. Yesterday was just the original Chanel Chance.

I've never been a big fan of Light Blue or Dolce Gabbana. There is something about that whole line up that just annoys me. I don't know why I get so damned annoyed with Light Blue. You know what, I do know why I don't like Light Blue or anything done by Dolce Gabbana. Everyone seems to wear Light Blue or something else from Dolce Gabbana. The only reason I had gotten a bottle of the Light Blue Intense is because my mother adores the Dolce Gabbana crap and her birthday is in May, so why not just get a bottle and call it a day. I will probably pick up a couple things to add to her gift.

This seemed to be the first sale I participated in where almost everything was sold out and I was happy yo nab what I wanted. In years past, by the time that the sale happened for me, just about everything was sold out or going really fast. I have to remember that we are coming out of a pandemic and people don't have the means to really participate in the sale or they lost their VIB or Rouge status. Don't get me wrong, a 10% off your order at Sephora is still pretty good but not as good as 15% or 20% off. But I do have to remember that people might not quite have the means like they used to. There doesn't seem to be any kind of line that released something that everybody was itching to get their hands on. Just like a few years ago, Urban Decay had released their Game of Thrones stuff and everything was sold out at Sephora. Managed to get one of the Game of Thrones lipsticks at Ulta. I wasn't looking to get a ton of it, just a lipstick.

So all that saving and all those gift cards went pretty quick. But there wasn't a whole lot that I truly wanted though. So it's going to be a long while before I can get anymore perfume that isn't a gift. I'm kind of relieved that it's over for me with this sale but it might be different when their fall sale comes around. I shall see what the finances look like for that sale.


Saturday, April 2, 2022

Spring Time and Sephora

The Sephora spring sale has started for Rouge members but I do have to wait until Tuesday before I can start shopping the sale. I am excited about it but my excitement of the whole thing isn't what I thought it would be.

I think that it might be due to how many other Sephora sales that I have participated in. In year past, when the Rouge members and VIB members got just about everything that I was looking at getting. This is the first year that I am a VIB member and this is the year that I don't want a whole lot from the sale. How many are going to really buy an economy sized bottle of Coco Mademoiselle? Very few but I'm one of those idiots that will. 

There are a couple other things that I want but have to split what I want into 2 separate orders. I have always hated the fact that Sephora never combines gift cards. I have 4 gift cards and yet I can only use 2 per online order. Ulta will combine gift cards when asked and so will Bath and Body Works. I just never understood Sephora's rationale with that. When I asked about it, I was given the standard answer of they don't combine gift cards for online orders. I can do an order over the phone or I could make a purchase in store. Calling to place an order over the phone is a huge chore when you get disconnected a million times and I am at least an hour away from the closest Sephora. When one thing that you really want is only sold online and a phone order is a no go due to issues on Sephora's end, splitting what you want into 2 orders is what you have to do. But I am still excited that I can get the perfume I want for me and nab my mother's birthday gift.

I think that spring might actually be here and will decide to stick around. There is always that chance of a freak snow storm but I doubt that one will happen at this point. But I can start pulling out my short sleeved shirts and start wearing them. The weather is not warm enough to even start thinking of pulling out shorts.

Monday, March 21, 2022

Being an Adult Sucks

I have spent most of my adult life as an irresponsible adult. Spending cash that I didn't have and have tried over the past couple years to become more responsible but time and time again, I failed. But it seems to be the year that I am cracking down on some things.

This is the year when I get serious about getting rid (paying off) these credit cards and buying a whole lot less shit. With that tax refund, I've taken care of 3 credit cards with small balances and half of another. This is the year when my Sephora credit card is going to stay at zero, along with Old Navy, Ulta and Victoria's Secret. I am not so interested in keeping the tiers that I have with those companies and I'm not so interested in points/cashback any more. I just want things paid off.

This is the year that I want to get going on getting a savings account and start saving some money. Cutting back on gifts will help with that along with cutting back on makeup, perfume and candles. I say that when I am going to be dropping some cash at Sephora when the spring sale hits. I've already budgeted the money in December so I think that I am okay right now. But I do worry about going over my budget and I seriously don't want to do that.

Later on in the year, I will be turning 40 and it's an over due thing to get my shit together. Get it together for a better credit score, less driving myself crazy trying to put out small fires month to month and just to have a better budget. Maybe next year, I can actually take a vacation and actually go somewhere instead  of sitting at home wondering on what I can do that it cheap or free.