Tuesday, November 15, 2011

Credit and the Holiday and the Post Holiday Sales

The Holidays are one of the most confusing times to shop.  Sometimes, if you wait long enough, the price on the item you wanted will plummet, just before Christmas, and drop even further during the January clearance sales, when all the stores are clearing winter items to make room for Spring fashions.  This year you can get a jump on that process by Christmas shopping at Coldwater Creek and other big stores that still have overstocks of spring /summer  items.  I just bought a couple of items for 40% off of a 60% markdown.  I should add that I've been following these items for months and guessed that 80% off was the best I was likely to get.  (Yes, you probably DO need a calculator.)

Lots of times, that happens, just that way.  However, remember that the item you want or need may be wanted or needed by others, too.  That means that the item may sell out before it drops to a price you can afford.  Is this a tragedy?  NO!

It used to be that it would be years between before another "perfect dress" showed up at the mall.  But now, with your computer, you have access to stores everywhere in the world.   With the entire world turned into one massive mall, shopping isn't a desperate grab for just anything that might keep you from being arrested for indecent exposure.  It's a leisurely browse through sources from every continent, and once you have your wardrobe basics (ie, you can go outside without getting arrested) you can actually enjoy imagining yourself in all sorts of garments and undergarments.  It's fun!  Like playing dress-up.

If an outfit sells out, there will be others.  You have a long list of suppliers listed on this blog.  If your usual sources fail you, check them!

If you can afford to buy anything you want, and pay any amount they charge, that's lovely.  Do be sure to take whatever you don't wear often to your local consignment store, OR hire some contractors to build a nice place to store all of it.  (Remember, clutter is always the enemy!)

If, on the other hand, you have to figure out how much you can spend on clothes and still pay for your other basics, remember that looking good is important to your well being and your career.  It creates that important first image that makes people decide whether you're a hard worker, whether you're smart, whether you represent the company or the family in a positive way.

On the other hand, your credit score is just as important.  If you spend more than you can quickly pay back, your credit score will suffer.  That used to be a private matter between you and your creditors, but now employers, prospective employers and law enforcement officers look at a bad credit score and massive credit ard debt as proof that you're irresponsible and possibly dishonest.

One of my friends has been living with her boyfriend for more than twen years.  They have two children together and the relationship appears permanent.  She told me she'd love to marry him, but she can't afford to marry his credit card debts, which just keep getting bigger.
Think about it.  If you were considering marriage and you found out that the day you said "I do.", thanks to community property, HALF of his $25,000 credit card debt would be half yours...  Wouldn't you have a few second thoughts?

Say 25,00 of them?

A bad credit score can bar you from the life you've always dreamed of .

So, admire everything, put together a "wish list" of everything you want, then narrow it down and select ONLY what you can afford this month. Then wait a few days and see if you STILL think it would be that wonderful. (Sometimes, given 3 days to "chill, you find yourself thinking "What WAS I THINKING?"
But if it still seems like the item that would fit the exact need you have, and you want it, need it, and can afford it, that's the time to buy it.

Gradually you'll accumulate both a wardrobe and a credit score to be proud of.

Tuesday, November 8, 2011

Nordstroms.com Bi-Annual Sale

I spent some time at Nordstroms.com today for their Bi-Annual Sale and it was a real change from the old days!
The last time I went there they had  a few shapeless wardrobe basics, mostly in black, brown and navy.  You know?  The kind of clothes that seemed designed to allow "fat girls" to be as invisible as possible?

Today they have a sale on that cuts a lot of prices by 50%, and several of their items were really cute!  Off the shoulder dresses that show your curves, patterned skirts (I bought one that has a matching top that may work for my New Years Eve show.) and some cute, practical office and coffee shop outfits!

The styles remind me of the clothing you see on re-runs of "Friends"  They have things for Monica, Rachel AND Phoebe!

Worthy of note:  They have free shipping and handling AND free returns.  This is a very big deal and can save you a lot more than chump change!

Do beware of lengths!  READ to descriptions.  They had two pictures, side by side of models in hip length tops.  One top was 27" long.  The other top was 34"long!  Apparently their models come in all heights, so "eyeballing" things is a BAD idea!

Also, they have a fair amount of dry-clean only clothing.  Be careful, and don't buy things that harm the environment AND your wallet.

Even so, I actually spent money on clothes from Nordstroms, and that's a first.  They're now officially on my list.  

Maybe you'll find something there that shows you off?  Something the right style and length and color that draws attention to all of your best points?  
That's my wish for you.

Be Beautiful!

 Knuti

Free Shipping & Returns can save you a Bundle!

Lots of times I hear that a site is too expensive.  On the average, that may be true, but many of the expensive sites, and some of the inexpensive ones, offer a great benefit that can make their merchandise a better buy than stores that have lower prices.  These stores have  Free Shipping & Handling, plus Free Returns.

I just ordered 5 items, from Nordstroms.com.  I've paid as much as $25 in shipping and handling for that much merchandise.  Even one blouse, ordered from a Redcats Group store, would cost  around $7 to have shipped.  Suppose I got the blouse on sale for $6?  Shipping and handling would be more than half of the cost!

Now suppose the blouse didn't fit?  
First, shipping and handling isn't usually refunded, on returned items.  They give you the purchase price ONLY, so even if I return the blouse, and get my $6 back, I'm still out the $7.  
Now, am I spending another $6.95 to use their address sticker and send the blouse back?  Probably not.  So it comes out like this:

          $  6 for a cute blouse from catalog that turns out to be UGLY on me.
   plus $ 7 to have them send me the blouse
equals $13 initial payment.  
Then I find out that the blouse is attracs static electricity and clings to me in weird places.

  The store will retun the $6 for the blouse,
                    but NOT the $7 for shipping it to me, so I'm out that $7.
Also, in order to get the $6 back for the blouse, I have to pay $6.95 to UPS to send it back!  
So now, in order to get a $6 blouse refund, I've paid $13.95 in shipping!  

If on the other hand, you shop sales at stores like Nordstroms.com, Zappos.com, or Simply Be.com, Shipping & Handling, and Returns are FREE!   This is a savings that really mounts up!

At these stores, you'd pay for the blouse, NOT for Shipping & Handling.  Then, if you want to return it, you use the label they include and send it back.  They credit your card for the blouse.  Your out of pocket expense is ZERO!  As it should be!

When you part with your cash, make sure you NEVER settle for things just because it's too expensive to send them back.  They're expensive clutter, and you have no room for clutter. 

I want you to keep you closets free for things that show you at your loveliest.  
Nothing less than that, EVER.


Be beautiful!

 Knuti

Thursday, November 3, 2011

Simply Be Scores with Joe Brown's quirky, youthful styles!

Winter catalogs are driving my postman to distraction!  Sometimes I get 3 pounds of them in one day, and often it's a true waste of time, BUT I found some really cute styles in Simplybe.com's Joe Brown catalog!

This is the same British company that I had the shoe size beef with.  However, we did discover that returns to Simply Be are free.  Every shipment includes a postage paid address label that you just stick on top of the label that sent the package to you!  Just make sure you send it back within 30 days.

And I've never had a problem with their clothing sizes.  (Do remember, though, to check their size chart EVERY time, before you buy.  As with all the companies, Your unchanged measurements may qualify you as a size 20 one month and a 22 the next, or vice-versa.) 

If you adore dressing like Martha Stewart's fully-inflated sister, I'm sure you've found lots of styles at Chadwick's, Coldwater Creek and the many other preppy look suppliers.

But what about you artistic, adventurous types who DON'T want to be mistaken for a Bank of America Employee-of-the-Month or a cast memner of LA Law?

Joe Brown might be your new best friend!  This is a collection that celebrates large lady curves!  Tunics, leggings, street-style statements abound!
Even if you don't wear this stuff, it's fun to look at!

Check out the Joe Brown Collection at Simply Be.  simplybe.com

Tuesday, November 1, 2011

Your Bra Probably Doesn't Fit

BRA FITTING 101:
 In my long and checkered past I have actually been trained to sell bras.  I measured and explained and didn't even know that what I'd been trained to tell my customers was, largely bull****. 
For starters, we carried the size I bought for myself:  A 44 DDD.  Trying it on in the store, it looked good.  I wasn't concerned that it hurt when I reached for things and especially when I took it off at night.  That was just the way all the bras I'd ever had had been.
After a couple of weeks, the 44DDD stretched and my breasts were shoved down onto my rib cage.  That didn't concern me, because all the bras I'd ever had hurt and eventually stretched out of shape.  By the way, back then, my breasts didn't lie heavy on my ribcage when I was bra-less. 
The fact of the matter was that somehow, we large busted women didn't expect that bras could be as comfortable, functional and pretty as the bras C cup ladies could buy. 


My bra sales training included the fact that when dealing with someone like me, whose breasts were obviously too big for anything we sold, to give her the 44DDD and assure her that even it it wasn't comfortable now, soon "It will stretch."


I didn't know then what I know now.  You don't need to put up with "fitters" like me, who don't know what "fit" is.


Below, you'll find just about everything you'll ever need to know to find and look and feel fabulous in a gorgeous bra.

Let's start with terminology.  While different companies may use different terms, these are the concepts you need to understand:  



Bra styles

"Full coverage" means that the bra cup covers all, or nearly all of your breast.  Your breast isn't supposed to stick out above a full coverage bra.  
It can be hard to judge this in Redcats catalog shots, since often models are wearing bras that obviously don't fit.  The breast is bulging up over the top edge of the bra cup.  
Another way to tell if the bra is too small is to check your profile in a mirror.  If you have cleavage on top but your nipples are pointing slightly (or very) downward, the cup is too small to accomadate your bountiful boobies.  You need a larger cup size AND a different salesperson.

"Balconnettes" are cut to cover only the lower 2/3rds of the breast.  If you want a balconnette bra, buy one from a reputable dealer, like Bravissimo.com   In their catalogs, they show exactly how the bra should fit you.   
 
The other "sexy" bra is the plunge bra, which exposes a V shape opening, baring you from your shoulders to your bra band line.    These are made to show off your cleavage AND keep you cool on hot days or during hot flashes. If you tend to overheat it can be lots cooler in a plunge bra.

There are currently NO bra styles that are supposed to squeeze your breasts together into a single shelf.  Even "shelf bras" that you find built into some exersize tops or swim suits  are supposed to lift your breasts without squashing them together.  That squashed together look is referred to as a "Uniboob" and has been not only sweaty and uncomfortable, but out of style for decades.
 A good bra lifts and separates you breasts.  If the cup fits, the center of the bra should not lift off of your breastbone.  Uniboobs may come back into style some day.  Until then, INSIST on larger cup size.   

Bras FIT you (or DON'T) based on
 
Chest  band  
This is the measurement that you get when you measure around your chest,keeping the tape even with the ground and touching the chest wall  along the lower edge of your breasts.

  When you read “44 D”  the 44 is this chest band measurement, in inches.  The D is the cup size.

The chest band ties the cups together and around you.  In a well engineered, properly fitting  full cup or balconnette bra, the band will hold the bra in place, with or without bra straps. 


 All chest bands (being elastic) DO stretch with wear.  
The solution?  Buy bands that fit on the loosest hooks, so that as the band stretches and gets looser, you can take up the slack using the built in "tighter" hooks.
Or, buy cups that fit  (for me, that's a 38 J) and buy bra extenders at your local fabric store.  I need two extenders for a new bra.  As the bands stretch, I use one, or, eventually, none.  This means that what, for someone else, would be an old, streched out bra, still fits me perfectly after 2 or 3 years!

CUP SIZE 
    Projection 
Projection refers to how far your breasts sticks out from your chest wall when NOT being smooshed by an inhumane bra.
      You don’t want a bra that folds your breasts inside the cup.  They should lie, full length in the cup without being squeezed or compressed.  Remember, folding and compressing skin anyplace on your body can get in the way of good blood circulation and, in this case, optimal breast health.
      A properly fitted bra lifts your breasts up off your rib cage so that air circulates under them and points them forward, never down.  A cup size that's too small will look good in the store, then in a few weeks (or days) of use.  Then, the chest band will stretch out and force your breasts to fall and point down, against your ribs.  (see Chest Bands)  This throws the stress points of the bra off so that the underwire digs into your ribs, the bra strap digs into your shoulders and the side boning of the bra digs into your ribs and or armpits, while the band pulls up in back.
        
Even after the 10th laundering, your bra should not pull away from your chest.  
The center of the bra where the two cups touch or nearly touch should lie flat aganst the breastbone and there shouldn’t be any digging, ANYWHERE. 
If your bra digs, it doesn’t fit.   
If the center if the bra where the cups meet pulls way from your chest, the cups are too small or the band is too loose.
    
Unlike bands, cups don't usually stretch with wear, so make sure they fit perfectly. 
Breast Circumference 
Cup shapes are NOT uniform!  Some cups are made for wide breasts that meet in the middle, some are made for narrow ones, spaced inches apart.  Think of the base of your breast as a circle.  You want a cup size that goes along the edges of that circle, NOT one that leaves red marks 2 or even 3 inches below or to the sides of your breast!    
Circumference is how the bra cup encircles the base of the breast. The entire breast needs to be inside the cup or you’ll have pressure marks (even blisters!) where the edges of the cup cut in on the top, band edge and /or side.  Nothing should press dents into your skin or leave red marks or bulges in your clothing that you don’t want.

In order to get a cup where my breast lies straight and uncompressed, I have to buy a size 38 J.  My band measurement is 44, so "fitters" always gave me a size 44.  The cups were always too wide.  But the cup on a 38J is narrower than the cup on a 44J.  I make up the difference on band size by hooking on one or two bra extenders.  I just buy them online from Joanne'sFabrics.com

Once I realized that was an option, I found I could get bras to fit perfectly, NOT dig, and not even be noticable (no pain) during the day.  
The other benefit was that everyone suddenly complemented me on my "weight loss" !  But it was true.  With a comfy, well fitted bra your body looks in better proportion.  You're likely to become more active, too, because nothing hurts!

Breast Shape
If your breasts are shaped like two equal halves of a globe, with perfectly centered nipples, placed so they point slightly up, congratulations!  Either you're genetically blessed, or you have a marvelous surgeon!  
As to everyone else, NO, you are not a freak if your breasts are not perfectly symetric and  perfectly matched.  Almost everyone has a larger and a smaller breast.  Their shapes may not match perfectly, and nipples point in whichever direction they happen to point, be it up, down, or sideways.  Breasts can have a flat side or be cone shaped.  They come in almost endless variations of shapes.  This is normal.  Don't worry unless the shape begins to change or you find a difference in texture, thickened skin, or a lump or hard spot.
You need to learn about breast self exams, to be vigilant about changes that could mean cancer.  Even very tiny lumps, unfamiliar indentations or bulges, puckering or changes in the texture of the surface skin need to be checked by your doctor immediately.
Other than that, anything that's normal for you that you don't like is just a cosmetic problem.
Luckily, we live in an era of engineering.  Bras exist that can support, gently reshape and, if you wish, augment  without causing discomfort or damage.
Most American companies have plastic foam bands to support the breasts.  For me, that causes a skin rash, but until I found better designs (Check out Goddess's brand, "Kiera" style.  It has lift, great shaping and is so well engineered that I sometimes tuck the straps and wear it strapless.)   Anyway, until I found that, I would use pieces of cotton to separate my skin from the plastic.  Inconvenient, but it worked.  By the way, Goddess's "Keira" style is a nearly full coverage bra that comes in RED, navy blue, black, brown and nude.  they even have animal prints.  Every season you lose a few colors and get new ones in.

Breast balance  
          As I said, normal people have one breast smaller than the other.  A little smaller, a LOT smaller, depending on your luck.  This isn’t weird, no matter how much you’ve been teased.
         Nipples are placed pretty much anywhere on the breast, high, medium or low, left right, whatever. 
         Breasts may look like deflated balloons,  hanging flat against your midriff.. 
       As long as you’ve seen a gynecologist and know it’s only a cosmetic problem, that’s all it is. 
       If you’ve bought into the Playboy image of what you should look like and if your poor self image is affecting your life, you may consider surgery.  You too can have lovely, slightly scarred breasts that match. (with luck)

       Be aware though, there are risks, and NOT just of losing the ability to breast-feed.   I’ve received complaints of post surgical nerve damage (permanent) causing these wonderfully sensitive playthings to become permanently numb.  
Think about it.  You could have surgery (no minor health risk, not to mention painful) in order to attract someone who wants to touch your breasts.  Then, while they obsess over the now dead-nerve areas, you're just getting bored!   Sound unfair?  It is!

      If you’ve decided that unnecessary surgery would be stupid, or, you've just read enough Cosmo articles on Advanced Sexual Technique that the man in your life doesn’t notice anything but the sensations you cause in him, Cosmetic Problems of breast balance can be dealt with easily, usually with padding.  

Padding
Padding can be anything that works for you.  Kleenex has never really gone out of style and is really good on high humidity sweaty days, since you can toss it and repack each time you visit the Ladies' Room.
Catalogs have padding options galore!  Everything from a thin layer of foam that is built into both cups, so a slight unevenness is undetectable, to push-up pads that can be used on just one side, and mastectomy prostheses for post-surgery gals, or those of us that are seriously heavier on one side.  These things can be made of gel, foam, little bags of fine sand or little pieces of plastic, or even water balloons.  The gel and water baloons actually warm to match your body temperature and you can match the density of the pad to your body.  In the case of a water balloon, fill it so it's as soft or firm as your breast.  Just don't poke it with any pins.
Experiment.  See what you like.  

Two parting thoughts:
1. Remember that half of shopping is returning what doesn't fit.  
2. The problem has never been your breasts.  The problem has been finding the right bra for them.  
Be stubborn.  Be tenacious!  


Be beautiful!
Knuti