After missing last week's post, I'm back with a pretty hefty one!  I mentioned it a tonne before I left, but my friends and I headed off to New York for a long weekend.  It was a lot of fun and I'll let the photos below do the talking!



I know I said I'd let these pictures speak for themselves, but I feel it's worth doing a quick round up in a bid to help any first time travellers to New York.

We stayed in an Airbnb in Williamsburg which, in hindsight, was too far out from the city centre.  We got around using a travel card costing $39 (which I'd highly recommend getting) but spent a lot of time jumping on and off trains.  On multiple occasions the train/tube (still not sure what to call it) would be unexpectedly terminated and we'd end up having to re-route, adding extra time to our journey which obviously meant less time to explore.

Speaking of time wasted...can we talk about the 3 hour customs queue we went through??  As in a solid 3-hour, non-moving queue.  I've never known anything like it and as a result we missed our walking tour of Manhatten which was a real shame.

We did tick a lot of things off our list though...Central Park, Times Square, the Statue of Liberty, Ellis Island, Fifth Avenue, Grand Central Terminal and the High Line.  One of the highlights for me was watching a burlesque show at Duane Park.  One of the group was really keen to go and it turned out to be a great evening.  It was "free" entry (as such) and we got seats at the bar with a $40 minimum spend.  The view wasn't amazing (but scantily-clad ladies dancing isn't really my thing) although the live music was incredible.  Don't you love when things exceed your expectations?

I guess it's also worth a slight word of "warning" if you've got plans to make a visit.  Do not take photos with the people dressed up in Times Square....they'll want your money.  Be prepared for people approaching you on the tube system...they'll also want your money.  Remember  that there's tax on top of most prices and don't forget to add tips on too.

Surprisingly, I didn't do that much shopping.  We visited Sephora (naturally) but besides that there wasn't really time.  I came *this* close to buying the Gucci belt, but in hindsight I'm glad I didn't purchase.  These Steve Madden Gucci dupes however were possibly the best things I've bought in a while.  I wasn't sure if I liked the fur loafer trend, but one day of wearing these to the office and legit feeling like I was in slippers definitely changed my mind.  Especially coupled with the fact that, despite my smug assertions that I was fine, jet lag has absolutely set in...anything that makes me feel one step closer to bed is a winner for me.

And with money burning a hole in my pocket, I ordered these hoops from Missoma which arrived the day after I got home.  I've had my eye on them for a while...they turned out to be smaller than I'd envisioned but I absolutely love them.  I know Missoma is a bit of a cliche at the moment but there's a reason for it; this is my second item from the brand and I've been so impressed with both.

So tell me, how was the last fortnight for you?

Weeks 39 & 40 In Moments

9.10.17

After missing last week's post, I'm back with a pretty hefty one!  I mentioned it a tonne before I left, but my friends and I headed off to New York for a long weekend.  It was a lot of fun and I'll let the photos below do the talking!



I know I said I'd let these pictures speak for themselves, but I feel it's worth doing a quick round up in a bid to help any first time travellers to New York.

We stayed in an Airbnb in Williamsburg which, in hindsight, was too far out from the city centre.  We got around using a travel card costing $39 (which I'd highly recommend getting) but spent a lot of time jumping on and off trains.  On multiple occasions the train/tube (still not sure what to call it) would be unexpectedly terminated and we'd end up having to re-route, adding extra time to our journey which obviously meant less time to explore.

Speaking of time wasted...can we talk about the 3 hour customs queue we went through??  As in a solid 3-hour, non-moving queue.  I've never known anything like it and as a result we missed our walking tour of Manhatten which was a real shame.

We did tick a lot of things off our list though...Central Park, Times Square, the Statue of Liberty, Ellis Island, Fifth Avenue, Grand Central Terminal and the High Line.  One of the highlights for me was watching a burlesque show at Duane Park.  One of the group was really keen to go and it turned out to be a great evening.  It was "free" entry (as such) and we got seats at the bar with a $40 minimum spend.  The view wasn't amazing (but scantily-clad ladies dancing isn't really my thing) although the live music was incredible.  Don't you love when things exceed your expectations?

I guess it's also worth a slight word of "warning" if you've got plans to make a visit.  Do not take photos with the people dressed up in Times Square....they'll want your money.  Be prepared for people approaching you on the tube system...they'll also want your money.  Remember  that there's tax on top of most prices and don't forget to add tips on too.

Surprisingly, I didn't do that much shopping.  We visited Sephora (naturally) but besides that there wasn't really time.  I came *this* close to buying the Gucci belt, but in hindsight I'm glad I didn't purchase.  These Steve Madden Gucci dupes however were possibly the best things I've bought in a while.  I wasn't sure if I liked the fur loafer trend, but one day of wearing these to the office and legit feeling like I was in slippers definitely changed my mind.  Especially coupled with the fact that, despite my smug assertions that I was fine, jet lag has absolutely set in...anything that makes me feel one step closer to bed is a winner for me.

And with money burning a hole in my pocket, I ordered these hoops from Missoma which arrived the day after I got home.  I've had my eye on them for a while...they turned out to be smaller than I'd envisioned but I absolutely love them.  I know Missoma is a bit of a cliche at the moment but there's a reason for it; this is my second item from the brand and I've been so impressed with both.

So tell me, how was the last fortnight for you?
You won't be surprised to read that emotions have a huge part to play in consumer behaviour.

In a 2017 UK study it was shown that on average 40% of purchases made are emotional with an additional 40% of habitual buys.

That means only 20% of the purchases we make are rational and considered choices.  20 percent!  So those things you buy after justifying and reasoning with yourself? Yeaaaah, they're probably still emotional rather than rational.  In fact, it's been proven that logic follows after emotions in the decision-making process, thanks to the evolutionary development of the brain.

I wonder which emotional states you identify as triggers for your spending.  Boredom?  Stress?  I know I sometimes panic buy through fear of items selling out or missing a good deal.  I shop when I'm feeling down as a way to boost my mood.  Heck, I even shop when I'm happy; in a state of elation trying to chase that shopper's high.

But when you think back to that 40% statistic, it's easy to see why emotional spending becomes an dangerous pastime.  And yes, shopping has become exactly that.  A pastime, a hobby, for many of us.  When really there are so many other valid things we could be doing rather than accumulating more 'stuff'.

If I'm going to be more mindful with my money then I need to be more mindful when I'm shopping.  I need to identify the underlying reason behind a purchase in order to reduce the emotional and increase the rational.

I need to remember to consider whether making that purchase will add value to my life, or just take me further away from reaching my financial goals.

Conversations Around Money: Emotional Spending

5.10.17

You won't be surprised to read that emotions have a huge part to play in consumer behaviour.

In a 2017 UK study it was shown that on average 40% of purchases made are emotional with an additional 40% of habitual buys.

That means only 20% of the purchases we make are rational and considered choices.  20 percent!  So those things you buy after justifying and reasoning with yourself? Yeaaaah, they're probably still emotional rather than rational.  In fact, it's been proven that logic follows after emotions in the decision-making process, thanks to the evolutionary development of the brain.

I wonder which emotional states you identify as triggers for your spending.  Boredom?  Stress?  I know I sometimes panic buy through fear of items selling out or missing a good deal.  I shop when I'm feeling down as a way to boost my mood.  Heck, I even shop when I'm happy; in a state of elation trying to chase that shopper's high.

But when you think back to that 40% statistic, it's easy to see why emotional spending becomes an dangerous pastime.  And yes, shopping has become exactly that.  A pastime, a hobby, for many of us.  When really there are so many other valid things we could be doing rather than accumulating more 'stuff'.

If I'm going to be more mindful with my money then I need to be more mindful when I'm shopping.  I need to identify the underlying reason behind a purchase in order to reduce the emotional and increase the rational.

I need to remember to consider whether making that purchase will add value to my life, or just take me further away from reaching my financial goals.

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