Surprisingly, none of my high-end items are essentials. Somehow, because we tend to use our essentials over & over, I get sick of seeing them and want to be able to upgrade more often. I prefer to buy good quality, good fit, but not necessarily expensive.

I tend to spend more money on the 'stars'. A fabulously luxurious wool coat (which are not common here, as our winter isn't all that extreme or long), or really luxe looking boots, or sandals that look really pretty but will always make me feel fab even if I don't wear often, or a bag. I also have spent more than expected on tops that reallyyyy flatter but I will not wear all the time.....so basically - slightly special items.

Hi Suz --

Great thread and interesting responses! I think I could echo something from everyone (or just about).

I've always had bad habit of wanting to possess things I find beautiful, which doesn't necessarily have anything to do with the item's cost. Luckily this hasn't turned me into an art thief or shoplifter....

However, after breaking through the budget mindset thing -- just left with the guilt, ha -- it opened new areas for mindfulness.

I just posted a thread about my experiments with trying on a lot of higher-end dresses (and having my mom and a friend do the same). Even thought the results shouldn't have surprised me, they did.

Alright, grasshoppers, ant speaking here: I volunteer at a food pantry for low income seniors. These are people who didn't or couldn't save for retirement. It was an eye opener for me. My takeaway from it - must save more!

Jaileen, to me that goes without saying. Being responsible when it comes to your life and finances and making sensible decisions. I was assuming we were talking about what do do with the money that is left to spend. Which does mean having a larger income than many people to start with, I guess.

Suz -- I haven't had time to read all the posts, but your thread spoke to me. I am guilty of this behavior and would very much like to re-adjust my thinking. I'm not sure I know how to do that though.

JAileen's comment is duly noted.

I was "working poor" after separation.

I've loosened the purse strings in the last couple of years but I think there is something healthy about living frugally. I still line dry all my clothes to save money and don't pay for data on my cell phone. I still get $35 haircuts and don't want to spend more than $100 for jeans (although I've reduced it).

I feel I deserve nice things but they're really not THAT important and if I can buy the same thing for cheap, then I'll do it.

I say all this and yet I've upped my budget to $300 for clothes /month so I'm not suffering that much

Also, big ticket items, that are above $300 I find VERY hard to spend on. There is a psychological ceiling there.

Now, I'm going back to read the replies

To be clear, my desire to change my mindset on this doesn't involve spending more money than I currently do on clothes. Where I'm at right now, not needing quantity or doing a huge overhaul, it's about learning how to spend the same amount on fewer, higher-quality pieces.

I have to mention that when you have foot problems like I do, buying good shoes is a must. My SIL bought a pair of athletic shoes while we were visiting her. We walked all over the place, and before long, her feet were killing her. She mentioned to me that she paid $80 for those shoes, and that they were expensive. I was thinking to myself that $80 doesn't generally give me shoes that are walk-all-over-town comfortable. Only if $80 is the sale price. I didn't say anything to her because I didn't want to hurt her feelings, but her DH makes really good $ as an engineer and they only have one child. She could splurge on better shoes if she wanted to. My MIL was frugal when it came to clothing (not with food, lol, but definitely with clothing), so I think I know where she gets it. Her sister is the same way. In my humble opinion, my fussy feet need to be appeased or I'm miserable.

I will weigh in to say that it is much more difficult to switch from spending a lot on high end to sticking to a budget and only purchasing low end items, or very few high end items. I have made a half dozen high end purchases since joining YLF. Most of my purchases have been what I would call between mid range and high end. Fewer of my purchases are mid to low end.

I commented on previous threads that I could never keep up that level of spending. I intentionally planned and budgeted before undertaking my wardrobe overhaul. I included enough for all my purchases. However, my attraction to high end items continues. I found designers and expensive brands that are cut and sized well for my body type. I still want to purchase these items in the future! So, I have to do what Angie recommends. A mix of some high and some low end items.

I have become very strict about sticking to a budget. I do not want to end up like the seniors JAileen describes. I have other goals and priorities as Suz suggests.

The seniors comment left me a bit sad - and worried - it's something my own mother warned me about all the time. I'm in an interesting place now age-wise, where although I really love beautiful clothes, I feel the future/next phase of my life (including retirement - although it's a good 10 years away likely) looming closer than ever. How many more winter coats , purses, jewellery, watches etc am I really going to use before that stuff becomes unnecessary in my life? I don't need to prove myself to my customers and co-workers in the same way anymore ( I used to feel it necessary to be as well dressed as possible at work to set myself apart from others - which is totally stupid, but there you have it) and having the newest and best stuff is starting to be less important. I'm all about fewer pieces and the best I can possibly afford. The places where sale prices mean the most to me are at retailers where prices are normally not in my comfort zone. Then - sales are fun! Today in fact, I'm wearing a BCBG top that has to be 5 years old that was probably a $300 top but on sale at the end of the season. It is one of my favourite pieces ever. Wearing it with loose,soft and baggy , sale-priced GAP khakis:)

Sorry - I'm getting off topic here.

Thanks for all these fascinating perspectives. Really interesting to see how we differ or overlap.

I'll be back a bit later to respond.

My mother liked the clearance racks as much as anyone I know (she also went to a lot of garage sales), and I learned a lot about sale shopping from her. Still, she told me there's no economy in buying cheap stuff (cheap meaning poorly made). She would splurge on the things that mattered, and that's what I do. I like to think that the $ I save when I find really good stuff on sale can be used on the things I have to splurge on. It all balances out, in my opinion. And believe you me, my DH has our entire family on a budget. It's not like I can spend like there's no tomorrow.

Author Linda, I agree that when the item is wonderful for you, you rarely feel regrets about it, whatever the cost. In fact, the low end items often look a lot more expensive on the right person.

Maneera, I understand your feelings, too. In my 20s I had very little and wanted so much. Sometimes my mother would take me shopping and buy me a few things, and I would just hope that she would keep buying me more and more…I really enjoyed the indulgence that otherwise wasn’t available. What you said about spending on the “stars” though — I think this is a really interesting point and goes to a distinction I’ve been mulling in my head. I will save that for another thread!

JAileen, your husband is lucky to be in a relationship with someone who cares about his needs and your future together.

Vildy, I have a feeling you probably do rescue those “unwanted” items and put them to creative use. The story about the lipstick is interesting. Sometimes it is our associations to an item that matter. But I think lipstick is a great example because it has a distinct texture. The more expensive ones probably do feel better.

Astrid, how lovely that you’ve had such an effect on your mother, opening her up to the pleasure of nice clothing.

Angie, that makes complete sense. Of course! It must have been devastating for you to see your mother go so very quickly. And naturally it would increase your desire to live for today!

I need to correct a possible misunderstanding, though. I may have made myself sound like much more of a saver than I am. I'm not really at all tightfisted by nature.

It is just that for most of my life I’ve had very little money for clothing. I tended to spend what I had on education, books, travel, food, and especially our house — which was our really big expense. It is only in the last few years that I had enough left over after that to buy what amounts to a middle-class wardrobe. And I found that after years of self-denial in that area, this was more difficult at first than I would have expected!

Vix, I’ll go off to read your thread — fascinated to hear.

JAileen, yes, I was raised to be mindful of this, too. My parents were both savers.

Sterling, I think it is a question of balance. Some on YLF come from a background of having scrimped on ourselves a bit (or a lot) and some have the opposite pattern, and probably all of us need to meet in the middle!

Smittie, I agree that it is important to know how to be frugal. Some of my family members lack this trait and it has made the rest of us suffer.

Jenn, yes — that was Gaylene’s idea, too, although she wasn’t keeping an exact budget. The idea was simply — spend the budget you have, but on fewer items.

BC — you absolutely should baby your feet!

Staysfit, that’s a really great way to approach it. Keep a budget and select what you can of the higher end things without going over.

Lisa, what you said about dressing for your professional life made another lightbulb go off for me. Not only was I unable to do that (because I had no income for it) but also — it didn’t matter! I mean, in the various kinds of work I was doing there was no need to impress anyone. (Teaching, mostly, and editing, and then working from home). So there was less “justification” for spending on myself, or rather, it was harder to justify it to myself as a need. Interesting….

To JAileen's point, I was thinking earlier that the converse of "buy the things you love today, because there might never be a tomorrow" is that you can end up being retired for much longer than you anticipate and hence may need a LOT more money. Many women who retire at 65 might to live to 90, 95--so that's 30 ish years of living on savings. It seems like most current retirement calculators don't really take that into account.

That said, I don't really live my life that way (though I do save the max I can for retirement)--I do think spending on experiences and things in the moment is important. My parents are way too frugal, in my opinion--my mom even reuses torn hair ties (that have lost their elasticity) by knotting the ends, my dad refuses to spend more than like $10-20 on pants, etc., but the flip side is they have a lot of money saved up and were able to fund my college education completely and also are in a pretty good place retirement wise. So who am I to change their lifestyle? That said, the hair-tie thing is ridiculous, and I was relieved to find my mom had finally bought new ones last time I was at home.

It was hard for me to spend more than $50 on an individual item up until a few years ago, because of my upbringing and also being on a student income. But that's changed for me now, and while I don't usually buy super high end stuff, I am much more comfortable dropping $100-200 on an individual item now. I find it awkward nowadays to go shopping with my parents because they think of $60 or $80 as a lot whereas I think of that as a reasonable price for a quality item.

C1, I totally know that feeling!! Shopping with my mum and dad was often a very funny experience for my brother and me! But you are right -- you can hardly complain when it has left them secure.

I am late in here but will pick up on Angie's point. When our Mardi died it was interesting how many memories are related to her joy of 'being dressed for an adventure' whether it was a festival, a ball, the beach, a job interview etc. They are also the most personal things so help construct the image of the person and how they interact with the world. I would never deny anyone that joy and the memories of their joy in the world. That is not about $.

Fascinating conversation, thanks for starting it Suz!

I am one who shops mainly thrift and low-end or sales. I have often wondered if I ought to be spending more on a few good pieces (as numerous websites tell me I should) but I have come to the conclusion that I wouldn't be happier that way. It's not that I couldn't afford it; my husband shops like Manny's husband does, only the best and infrequently. But for me... one part is the thrill of the hunt, along with what Vildy says about getting joy from using my imagination to incorporate pieces into outfits not like everyone else's.

The other thing is, that I enjoy my clothes more if I don't have to coddle them. I want to be able to wear them in the garden, or at work where I might get other people's bodily fluids on them at times. I cook in my clothes (sometimes with an apron) and I regularly dribble tea on myself. And I sometimes sleep in them. And I refuse to take super extra care in the laundry; or rather, those items that require it will be washed rarely and thus worn rarely. The few "investment"ish pieces I own (Brooks Brothers shirt) rarely get worn for this reason.

Along with that, I am a bit of a snob about high end. In my experience, pieces that cost more have rarely been of a higher quality commensurate with the higher price. I think if I wanted to go that route, I would have a seamstress or tailor make them for me. For a lot of designer stuff, I suspect they don't make my size anyway (I'm looking at you, Smythe). I will find out more if I try the Canadian version of Rent the Runway for a MOB dress...

Suz, YES. Don't worry. I never made that assumption. And I sound like I spend and don't save - when we both save and spend sensibly. Like we both have a budget and stick to it.

FWIW, you have earned to spend more on yourself. Do it!

I just read your article and it really resonated with me. I haven't read any of the comments yet, but just wanted to thank you for expressing what I've gone through, too, so articulately. I'll read the comments later because this is something I need help with.

Interesting discussion. Thanks for bringing this up, Suz.

I grew up in a middle class family that was careful with money, and my parents taught me to manage money well. But mom also loved to shop, and I learned from that as well.

I was a big discount shopper for most of my life. For a long time, mainly due to my own limited income, I could not justify spending more than, say, $75 for a pair of shoes. I only started to shop higher end after I met my husband and he started making decent money. I gradually started looking at stores and designers I had previously avoided, and my tolerance for higher price tags increased.

After I got really interested in upping my style game and found YLF, I splurged on a few high-end items. Some were huge successes, others not so much (those have been sold). But now I've sort of seen how the other half lives.

My husband and I are now entering our 50s and are making changes in our life, and budget and priorities are changing. We want to travel more, and to have a very healthy retirement plan. So I don't envision making many more high-end purchases like Rockstuds. Those will be much fewer and further between. In short, I'm being more selective and price- and value-conscious.

So in a way, I've already made the adjustment you describe, and now I'm backing off from that and cutting back again.

In the last few days, I realized that I need another workout top or two, and I found great ones today at the Rack and TJMaxx for a fraction of what it would have cost to buy new tops full-price from Athleta or Lulu or one of those retailers. Tops are easy, and the bargain choices will serve me well. However, one of my favorite pairs of cycling shorts gave up the ghost (they were ripped in my crash last year, and I had them mended, but that only bought me six more months of use). Those are an item I am less likely to compromise on because they are trickier to fit, and the chamois (padding) is significantly different from one pair to the next. So I'll probably shell out full price for a new pair of those. It's all about priorities.

I don't have ( local) access to a lot of REALLY high- end retailers in B& M and its a lot of effort to imagine/ buy. Ship/ return online purchases from new ( to me) brands and stores, so to some extent I just don't find myself lusting in person over specific items that are fab but super-pricey. Exception is I will order shoes when retuns are free, and have branched out there with some good finds.
What I think has been the the biggest change for me is to consider full price/ buy-now at medium retailers by looking at ALL of their items and not honing in just on sales.

I still get ticked when the price falls a month later but I'm learning which items are so right that that feeling fades. Of course I can't just swoop in and buy armloads of stuff at any price!

But to really eyeball lots of choices and consider OPTIONS for what looks great or matches something I have or was a HEWI and get something that really makes an outfit work or takes care of an occasion.....This has given me more of a sense of control over style, color palette, cohesiveness and wearing the items in the current season.

I still want to be even more selective, though, and run a smaller wardrobe while using the above " full price tolerance" to make me focus on the item's value in the wardrobe and not just what the price is today.

I think I started to "break through the budget mindset" as I read something that Angie posted -- a while ago or I'd reference it word for word (so apologies if I mis-quote) -- but Angie wrote something along the lines of: I shop early in the season and am sometimes so pleased with the purchase that I wear it out of the store. And that's become a litmus test for me. Am I so excited by something that I have that feeling that I'd want to wear it right this minute Not did I get x% off on it or was it a great deal or anything else like I used to do, but do I need it enough and love it enough that I would be happy to cut off the tags and not look back.

Now in practice I don't cut off the tags until I am safely at home and looking at my own mirror, just to be doubly sure. But it's that feeling I'm after.

I relate strongly to what Angie shared.

When I first started working and earning money I had very little discernment (or common sense lol) and I would buy very expensive clothing, bags etc. I was paying board to my parents and living at home and did not save any money!! But.. I had an awesome wardrobe. I got married in my late 20's to a man who is very good at managing our finances and of course I (we) then had other and additional financial commitments which changed the way I shopped. In my 20's and 30's I wanted a lot of variety. I was still exploring and finding my way and I did tend to purchase a lot of clothing and would seek out the best price so I probably bought most things on sale and wasn't as fussy about quality and fit. Then in my 40's I started to close in on what I feel is my 'core' style and things changed again. I started to appreciate quality and fit, I also no longer wanted multiple wardrobes full of clothing, I wanted less but wanted better. I seemed to have developed the necessary discernment to start making better choices on my purchases. YLF has actually helped greatly to get to this point btw. A few years back I bought my first expensive pair of shoes in quite a long time. I saved and stalked and bought them months after first finding them and got them at a good price but still expensive (for me and my budget). And I still love and still wear those shoes. For those who have had a baby, you often decide you want a child, you then do what's required to make that happen and then you plan, prepare etc for 9 months and then your beloved baby arrives. Now of course babies are so much more special than shoe... but .... I wanted the shoes, I planned and prepared (i.e. saved and sought the price I could pay) and then they arrived, and I love them and still wear them and still enjoy them... I invested in them. To be honest, the times when I have had money to 'throw around' I haven't made the best choices and haven't had the same connection with the items as with those I have had to wait for.

I have never thought I wasn't worth spending on, for me it was and probably still is, about stretching the budget as far as it can go:) This year I have bough three items from Temt (a local teen store) for $19, $24 and $29 and the quality has been exceptional and I feel like I am wearing something special. But I also have bought a jacket and coat from Motto for $150 and $200 that make me feel the same. For my birthday (I often earmark higher end items for special occasions 'cough cough') my boys gave me a handbag I had been wanting for ages. But at $595.00 I couldn't justify it in our budget, but when it was reduced to $200 that was workable.
And I don't anticipate any further handbag purchases until maybe my next Birthday

I don't care if something has a label or not, because as has been mentioned, expensive does not mean quality, I want clothing that fits well, flatters and feels beautiful to wear and that comes at many different price points. I appreciate that we have all been brought up with certain attitudes towards spending, and spending on ourselves, but for me it's most strongly about what works for my budget. I also have a personal guideline of not spending a lot of money on trend items because they don't have longevity in my closet (they are often one season wonders) but I will spend on more 'classic for me' items that I wear for years.

Suz hope I haven't gone off on too much of a tangent. I think it comes down to personal priorities and budget management. For each of us it's different and like our actual style journey our spending habits can evolve too.

a tip for those of you who are frustrated by prices dropping after you buy something: many Mastercards offers Price Protection, depending on the card it can either be up to 3 months or 6 months of price protection. It does take about 5-10 minutes of work online to find the original receipt, the ad/website with the new price, etc., but if it's a big price drop it's worth it. I've done it once--I purposely bought a dress from Madewell full price because I was worried my size would sell out. A month or so later it dropped in price substantially, so I applied for the price protection and got a check in the mail for the difference a few weeks later. I recently switched credit cards and was disappointed to find my Visa doesn't offer price protection.

Deborah, I really like what you say in your last paragraph about evolution because that is just what I am hoping for many of us!

I think some come to YLF with overstuffed wardrobes and too many things (I mean for their own comfort) or maybe even shopping addictions -- and YLF can help teach discernment and greater selectivity.

And others come to YLF without really knowing their own taste and or having no skill at shopping or no history of buying things --- and YLF can help balance this issue also.

BrieN, that's a great reminder about buying what you want to wear out of the store! I do think it's a great litmus test for higher end spending however we define that.

UF, it's similar to the "full price tolerance" test, I guess. Good point.

Janet, it makes sense you might scale back a bit now that your wardrobe is in such great shape, and also makes sense that you will spend on important gear to keep yourself active.

Bonnie, glad if it helps! The comments are interesting.

Angie-- Just for you, I think I'll do a little shopping!

L'Abeille, it sounds as if having workable clothing is a huge priority, so the price is really relevant in the sense that if it goes too high, you would feel too precious in the item and hence constrained.

Jenanded, your post brought tears to my eyes. Yes, the memories of our loved ones include their physicality and what they wore, of course. Maybe buying and wearing lovely clothes can be considered a gift to my own daughter in a way -- letting her make picture memories.

Though I've been in Fabland more than 2 years, I had no idea there were so many budget fashionistas! The ever stylish TransconaSharon and Ms Mary did post pieces from Sears, Winners, and Target - but except for the thrifters (who can ever forget ClearlyClair and her white Celine jacket!) finds seemed to be at higher price points than what I've been comfortable with. I always felt a little apologetic posting my Marks Work Warehouse jeans, Reitman's T's, Sears skirts, and Canadian Tire belts.

Maybe I wasn't looking close enough?

I am over the 'I'm not worthy' c&#*p -otherwise I would not be riding around on a bicycle that costs the same as a good used car. And Suz, I don't know why I can unclench my fists when it comes to gear, but not for clothes. I DO have vivid memories of my first sports purchases though! My parents (artistic and academic types) could NOT understand the $30 tag for new fangled runners my coach was bringing in, when regular $12 sneaks would do. With baby sitting money, and birthday money from the grandparents, I got a pair of these strange new Nike Waffle Trainers.

Though I am at home in Lulu, Runner's World, Bushtaka and Duke's Bicycle Shop, my favourite running bras came from K'mart (I don't know what I'll do when they need to be replaced).

I think I need to do what Vix did, and pay a visit to Holts and try some things on. LOL! I hire a decorator for advice, and a coach, personal trainer, and music teacher. Maybe I need a personal shopper?

My parents were frugal, as they both lived through The Great Depression and WW II, and were forced to save. The habits they developed stood them in good stead after retirement. Each of them had prolonged illnesses that went on for years and zapped their savings. My mom passed 2 years after my dad, and the $ didn't run out until 2 months before my mom's death. That's pretty good when you consider that my mom never worked, my dad had his roofing/insulation business + a few rental homes, and they had 6 children. They weren't rich by any means, but my dad made enough $ to prevent them from qualifying for Medicaid benefits such as Meals on Wheels. My dad never paid for health insurance, and just relied on Medicare. It's amazing they did as well as they did.

An interesting discussion, and I identify with a lot of what has been said, especially Viva's comments. I definitely have a frugal mindset and, like others, that is partly about upbringing, first world guilt and retirement planning and also an awareness that I have a strong desire for variety. I also wanted to add that the budget mindset has a seasonal aspect for me too. For some reason spending a bit more on a jacket or boots (for winter) makes more sense to me from a value point of view than spending more on a flimsy summer top or dress (even if it is silk). It just seems like I am getting more actual product or craftsmanship (sorry, could not think of a gender neutral way to describe it) in the former items. In both cases I will seek out value for $ but in the former case my budget ceiling will be higher. But from a climate point of view, this does not make sense for me. I will get much more wear out of the summer item (assuming I choose well). I was very taken with Caro's comment in her post that for summer she needs items that are good enough to stand alone. I think I might need to adjust my mindset this summer (at least a little) and try to buy fewer but better.

Those disconnects about where we go high and where we go low are kind of fun and what make us human.

[May I also say that I've never met an extreme saver -- and I include my former self -- who didn't have at least one outlet for what I'd term excessive/unnecessary spending? I'm sure they're out there, but....]

Runcarla -- your bicycle comment made me laugh. When people say I should upgrade my crap but dependable car or hire a housecleaner I say I'd rather use the "for wants vs needs" money for travel, clothes, etc. And yes, go try on fancier stuff. For anyone who loves a bargain, there's something soooo satisfying about turning up one's nose at an expensive item. Though I hope you find a few things to temp you -- I have no doubt you'll get your cost per wear down.

What bothers me the most is the price of swimsuits. It's not like there's much fabric, lol.