How Much Would You Pay For a Scoop of Ice Cream?

ice cream How Much Would You Pay For a Scoop of Ice Cream?

As the temperatures hover around the triple digits in many parts of the U.S., I imagine all the ice cream shops are doing brisk business. Did you know that Americans eat more than a billion gallons of ice cream and frozen desserts every year? I am quite contribute that I more than my fair share to that figure.

Last night CB and I could not stand the heat any longer, so we ventured out in search of something cold and creamy – ice cream, gelato, or frozen yogurt would all hit the spot. We headed to an ice cream parlor called Fosselman’s, which has been family-owned and operated since the 1919. Fosselman’s has a charming old-timey feel and very generous scoops – 2 handmade scoops plus a waffle cone only cost $6. It also has a 4.5 star rating from 1,200+ reviews on Yelp.

When CB saw the prices, though, he said, “oh, that seems more expensive.” Which made me think – what’s our reference for “expensive” or “a good deal” when it comes to ice cream? (CB’s reference, apparently, is the Baskin Robbins – Fosselman’s is more expensive, but only by about 20-30 cents a scoop. And I suspect the scoops may be bigger. It’s certainly cheaper than Coldstone Creamery). I am a sucker for cold, sweet and creamy on a hot day, and so have never thought of ice cream pricing too much. As long as it seems reasonable (under $4 or $5 a person), I don’t pay much attention to the prices.

Last summer we were frequent visitors to a place called Handel’s, which has been written up in National Geographic as one of the best ice cream shops IN THE WORLD. Some Handel’s locations have $1 scoop days, and if you are willing to wait in line with half the population of Southern California, it’s one of the best deals – best things – ever – on a hot summer night. I am too afraid of the crowds, however, and gladly pay $2 per scoop with only a 10 minute way during the normal price days.

I’ll be the first to pay extra for organic, handmade, artisanal ice cream that tastes amazing. After all, ice cream is a once-in-a-while treat, and it’s not more expensive than a Starbucks drink. Your direct pay-for-happiness ratio is pretty high with ice cream, in my humble opinion. But I probably wouldn’t hand over my money for something that’s more gimmicky or designer. A blogger, All That Glitters, mentioned a designer ice cream shop called Ice Cream Lab in Beverly Hills that cost $5 for a 5 oz. ”small” and concludes it was pretty expensive. I agree - $5 can get me a pint of Haagan Daaz!

It’s cheaper to just buy a pint of ice cream, even from a smaller shop, than buying scoops. But I’ve discovered – the hard way – that I can’t keep pints in my fridge. They’d all be gone in a day.

What is your favorite ice cream shop (and flavor)? How much would you pay for a scoop of ice cream?

Apartment Therapy Small Cool Contest: You Could Win $3K

Do you have a small, cool apartment? Limited in scale but never in impact? If you haven’t heard of Apartment Therapy’s Small Cool Contest, you really need to take a look. The grand prize winner gets $3,000 while 4 division finalists receive $750 each.

I love decor, but have never truly decorated anything because I felt that my life was so transitional. Moving ever year or two wasn’t the best canvas for investing in solid pieces or even a new coat of paint. When I last moved, I gave up a couch I loved because it was much too heavy to be lugged across country. “But when I grow up,” I’d think, “I’d have an Apartment Therapy Small Cool Contest-worthy home.” icon wink Apartment Therapy Small Cool Contest: You Could Win $3K

The current crop of entries are already up. Even though I am still a few years off from moving into a place where I can stay put for a bit, I am already filing these pictures away in my design inspiration folder. My favorite entries from years past would be Laura’s Fresh Start Studio (2007) and Ron’s Hotel “Sweet” (2007).

ATLOGOfor post1 Apartment Therapy Small Cool Contest: You Could Win $3KHere’s what the Apartment Therapy contest says:

If you live in a wonderful Small Cool home, it’s time to show it off! We invite you to inspire us – and impress our new-for-2013 judges panel –  with photos of your compact home along with your real-life tips for living well in under 1000 square feet.

Share your style in our ninth annual contest and, if you’re our grand prize winner, you’ll have a little bit more in your design budget to help take your place to the next level – and we want to know exactly how you’ll do it! This year, we’re asking for a peek at your home shopping and project wishlist.

Small Cool only comes around once a year, so be sure to join in and send us an entry or follow along by choosing all your favorites throughout the month of May.

Entries submission ends May 20.

Do you read Apartment Therapy on a weekly, if not daily, basis as I do? What’s your favorite Small Cool submission this year? 

With shoes you can’t lose

It might be cliche to admit this, but I adore shoes. In fact, I first started Well Heeled Blog as a lifestyle and fashion blog devoted mainly to, you guessed, shoes. If you are a shoe-lover like I am, or if you just wonder HOW can people have so many pairs, check out this documentary, “God Save My Shoes.” The film follows several women in their love affairs with high heels and incorporates interviews with shoemakers and fashion folks. If you don’t have the time to watch this, New York Times also provides a summary.

Take the shoe survey!

(I’d love to learn more about you and your shoes, so I thought of 5 simple questions.)

  1. How many pairs of shoes do you own?

  2. The most expensive pair of shoes you have ever purchased cost….? 

  3. Would you take $500 or a pair of Louboutins? 

  4. If your house was burning and you could only save ONE pair of shoes, which would it be (assume that your family, laptop, photos, pets, etc. are all safe)?

  5. What was your most recent shoe purchase? 

My answers:

  1. I have around 20 pairs of shoes, including 5 pairs of boots, 4 pairs of black pumps, several suede platforms, and a few delicate strapped sandals.
  2. The most expensive pair of shoes that I have ever purchased was almost $300 – a pair of gorgeous red and black tango heels that I splurged on during a period of unemployment. I think I blocked it out of my memory because it was so painful and irresponsible (to spend $300! On tango shoes! While I was laid off!). But I spent many, many happy hours swirling in those babies – and I eventually found a job – so I’d have to say they were worth it.
  3. I’d take the $500 because then I could buy FIVE pairs of shoes with the $500 instead of one pair of Louboutins.
  4. As to the shoes I’d save, it’d have to be a pair of Rockport dress boots – Rockport boots are so comfortable that I can walk in them for hours.
  5. My most recent purchase were these snakeskin block heels during a 30% off sale.  Love them and I can’t wait to wear them.

hat tip to Single Ma for introducing me to the documentary

 

What did you do with your wedding pictures?

wedding pictures What did you do with your wedding pictures?

It has been 9 months since CB and I officially tied the knot. Our wedding pictures are still sitting in the CD the photographer sent us. I’ve uploaded some to Facebook and my computer, and occasionally I’ll look at a few, but we still haven’t gone to Costco to make physical prints of our pictures, and I haven’t made any progress on the wedding album I was going to put together.

I wonder if I should just ask our photographer to make our wedding album for us. An album would be a ~$600 luxury, but then, we’ll have an album, and it will be beautiful. On the one hand, how often will we really look through the wedding album? On the other hand, isn’t it nice to have an album just for the sake of having an album? Recently I stumbled upon Living Debt Free Rocks and her beautiful album on her blog, and now the “wanting” of a professional album has just gotten stronger. Michelle’s Finance Journal also have posted some beautiful wedding photos. My cousin had a traditional Chinese wedding and has loads of pictures from several photo shots - I would love to look through her album the next time I see her!

Alternatively, perhaps I will go the less expensive route and just get a few larger prints of our favorite shots, and frame them.

What did you do with your wedding pictures? How often do you look at them?

Guest Post on Add-Vodka: Clothing Alterations

I guest posted on Daisy’s blog on something that’s been sucking up a lot of my money lately: clothing alterations. But now that I see how properly tailored clothes fit and flatter, I am committed to making alterations a permanent part of my clothing budget.

Let me know what you think!

Fess Up Friday: Spending Under Kate Middleton’s Influence

There’s a $200 dress that I want, and I blame it all on Kate Middleton!

There are magazines and blogs devoted to Kate Middleton’s outfits, and I count myself among fans of her style. It’s so refreshing to see someone famous wearing stylish, work-appropriate clothes. I admire great evening wear, but I rarely tune into Hollywood stars appearing on the red carpet because my next invitation to a black-tie event is in… well… hasn’t happened yet. On the other hand, many of Kate’s outfits can easily be adapted to a day at the office.

Some people say her clothes are boring, but at the risk of sound boring myself, I like classic pieces. Most avant garde design are best left to the runways. Besides, I’m not one to want a particularly exciting or cutting edge wardrobe. What I want is a closet filled with clothes that fit and flatter and that are always appropriate for the occasion.

While Kate wears plenty of high-end brands that are out of my budget’s league (Alice Temperly, how I love thee), I appreciate the fact that she doesn’t wear only designer. One of her favorite brands is Reiss, a premium high-street fashion house whose items retail for around $200-$500. On sale, Reiss would tip into my “big splurge but doable once in a while” category. The personal finance blogger in me rejoices.

reiss andree lace dress1 Fess Up Friday: Spending Under Kate Middletons Influence

And speaking of these sale items… I peered at Reiss’ website and saw this beauty, the Andree Lace Dress in Lilac, for a tantalizingly-within-my-reach $190 (plus $15 shipping). Hey, it’s cheaper than the headband I was looking at, and I did just receive a bonus… Given that it is Reiss, it’s conceivable that Kate could wear it and then it would disappear off the shelves. icon wink Fess Up Friday: Spending Under Kate Middletons Influence If I pair this dress with a black blazer, I may be able to wear it to work, and it would work beautifully as an elegant cocktail dress. This is what the website has to say about the dress: In luxurious lace, the Andree three-quarter sleeve pencil dress has a v-front with twist detail to the centre cinching the waist and fastens with a concealed zip to the back. 

Are you a fan of Kate Middleton’s style? More importantly, what do you think of the dress – yay or nay?

Etsy vs. eBay: You May Be Paying More for the Same Thing

I have officially decided to forgo the $260 hair piece that MOST of you advised me against buying. icon wink Etsy vs. eBay: You May Be Paying More for the Same Thing  Instead, I looked for something a little bit more understated, a little bit more budget friendly, but still has that vintage flare I love. Etsy presents a myriad of chioces of headbands, fascinators, combs and brooches, and I fell in love with a hair brooch in the shape of a peacock feather. That is, until I went on to eBay and realized that there are brooches that look almost exactly the same, that I can buy for half the Etsy price. I’ve put up a screenshot below – you can see that the Etsy item costs $33.50, while the identical brooch is sold on eBay for $16.99. But at least that Etsy seller has changed (or “upcycled”) a brooch into a clip.

The proof is in the pudding screenshot

etsy vs ebay3 Etsy vs. eBay: You May Be Paying More for the Same Thing

I believe in supporting artists and paying for quality products that requires real craftsmanship, but this excursion into Etsy has been a little disappointing. To be honest, I feel misled. Putting a clip on the back of a brooch you bought on eBay doesn’t strike me as an “original creation” as that Etsy seller proclaims. And it’s not an isolated case. I found several other examples of people who seemed to have simply purchased items on eBay and then turn around and sell it on Etsy for triple the cost. See this $5.50 brooch? It reappears for $18 here. This Etsy comb is selling for $30, whereas an identical comb on eBay has a starting bid of $9.99 and no bids 2 days before the close of auction. Further googling revealed that there are websites devoted to outing Etsy resellers and calling out Etsy knockoffs. I guess the moral of the story is: do your due diligence!

Have you discovered serious pricing discrepancies between identical products on Etsy vs. eBay?

Fess Up Friday: Cheap Wedding Band Edition

I guess with today’s confession, if you meet me at the Financial Blogger Conference, you’ll know the band of sparkle on my finger is not the real deal.

cheap wedding ring later upgrade Fess Up Friday: Cheap Wedding Band Edition

How sentimental are you about your wedding bands? Is it OK to get cheap rings now and upgrade them later?

You’ll see from our $7,000 wedding budget that our wedding bands will only cost $70 total. CB bought a tungsten ring for $15, while I have budgeted $50 to get a simple sterling silver / CZ ring. Just a stand-in for a few years until we feel more comfortable spending the $1,000+ it’d cost to purchase a matching diamond & platinum band to go with my engagement ring.

Yesterday,  WorkSaveLive asked whether he should sell his wife’s wedding ring to pay off debt. Well you can imagine the kind of responses it generated! My situation is similar, but with a twist. Instead of selling an expensive wedding ring to pay off debt, we are holding off on an expensive wedding ring so we’d have the money to minimize our debt.

A few readers raised the issue that a wedding band is a sentimental piece of jewelry and that I should reconsider this whole notion of buying cheap now and upgrading later. I understand their concern, because it’s something I’ve thought about myself. How much do I value having the same ring that I am married with? Even among the budgety-minded, I don’t know of many bloggers who talk openly about wearing a costume jewelry ring with the exception of Little Miss Moneybags, who bought her CZ eternity ring (much like the one pictured) for $26 at the Limited.

I know CB will tell me to get the ring that I want, no matter the price. In fact, he has urged me to look at more expensive options at several points through the wedding planning process… he’s probably afraid I’m making all my decisions based on cost. He told me something along the same lines, that he doesn’t want me to regret not getting a ring that I’d love and want to keep forever. This is something I’ve thought about for a while. Although there is always the chance for regret, I am OK with my decision to get a cheap stand-in ring now.

  • I’m surprisingly not too sentimental about things (although you could argue otherwise, given my reluctance to sell my grandmother’s jewelry even in the face of historic gold prices).
  • I am not a big ring-wearer. In fact, sometimes I go days or even weeks without wearing my engagement ring. And when I do wear it, I worry about it getting lost or damaged. It seems an awful a lot of responsibility to wear a couple thousand dollars or more on your hand.
  • Fashion jewelry would suffice for everyday wear, with the added plus of not having to worry about insuring the ring, losing the ring, caring for the ring, etc.
  • Technically, we could get the $1,500 for a diamond and platinum ring… I have a bonus coming up, and we do have money in the bank. But with graduate school and its attendant loans looming in the distance, and my refusal to downgrade our honeymoon, I don’t think spending four figures on a piece of jewelry is the right move right now.
  • And last but not least, I figured if my ring is the only thing I regret about my marriage, I’d be coming out ahead!

Having said ALL that, just in case you think I am somehow immune to social expectations (HA!) or am 100% comfortable with my decision, I must confess: there is still something strange about wearing a CZ ring having people know that I am wearing a CZ ring, even if those folks are just personal finance buddies. icon wink Fess Up Friday: Cheap Wedding Band Edition It seems like there is something more “official” about having a proper ring in a precious metal, giving the occasion the gravity it deserves. Then again, when your budget is $50, your options are limited.

Would you ever buy a cheap stand-in ring with the thought of upgrading later (or never)? How sentimental are you about your wedding ring?

Going on Vacation When You Are In Debt

galapagos penguin Going on Vacation When You Are In Debt

If there is something that the personal finance blogosphere loves, it’s vacations/travel. If there is something that the personal finance blogsophere hates, it’s debt. When you combine the two, what do you get?

My dilemma. Should I go on vacation while I am in debt. Or put another way, should I use money that I have saved for vacation when it’s money I can use to minimize my debt?

Here’s the situation

Long-time readers will remember the many (seriously, many) times I have gushed about the prospect of going to the Galapagos Islands near Ecuador. CB and I started a joint savings account back in April 2010 to save for this trip. We celebrated each small milestone, high-fived each other when our $250 became $500 became $700 and so on. When the Galapagos Fund crossed over the $5,000 mark in April 2011, I was so excited I almost cried. Now, our darling baby fund is a robust $11,000. It’s ENOUGH. Enough to fund a 7-night cruise to the Galapagos plus a few days in Quito, buy an entry-level dSLR or a really great point-and-shoot, pay for our park fees and international flights. We might even have a thousand or two left over. That’s what the money is FOR.

On the other hand, it’s almost $11,000 in cold hard cash that we can use to pay for less-exciting-but-far-more-necessary things like, oh, you know, graduate school tuition. It doesn’t quite make sense to keep the money in a 0.8%-interest earning account when graduate student loans will start at 6.8% (or more). We could go on a trip in 2013, but we will be busy with school and internships and one of my good friends might be getting married and we’ll have to travel for that, and it’s probably not the best time, logistically speaking.

Paying off Debt vs. Going on Vacation

“Well, at least I’m not taking on debt to go on a vacation,” I thought. But am I really avoiding debt for this trip? Or am I falling prey to a case of mental accounting? Let’s say a year of school for CB costs $12,000 out of pocket, and he will be in school for at least 2.5 years or a total of $30,000. Consider these two scenarios:

Scenario 1: CB and I spend the $11,000 in cash on Galapagos, and we have to take on the $30,000 tuition in student loans. Total debt = $30,000
Scenario 2: CB and I use the $11,000 to pay for his tuition, therefore we need to take out $19,000 in student loans. Then, we go to Galapagos and take out consumer debt of $11,000 to cover the trip. Total debt = $30,000

vacation vs. debt Going on Vacation When You Are In Debt

Even though we “used cash we saved for a vacation” in Scenario 1 and “took on debt for a vacation” in Scenario 2, in both cases, our resulting total debt levels are the SAME. It makes no difference (disregarding interest rates for a second here) whether we spend the $11,000 on Galapagos or school. It matters that that $11,000 is no longer available for tuition if we spend it on Galapagos. Yet another example of the fungibility of money. SIGH. So if I would never ever advocate taking on debt for a vacation, and Scenario 1 would land us in the same debt situation, should we really be going to the Galapagos? Can we really afford to go to the Galapagos?

The responsible, adult, thing to do would be to take that money, defer our dreams of seeing the turtles for a few years, and use it to pay for tuition/living expenses. But I can’t deny the wave of disappointment that comes over me when I think about that option.

I want to see the turtles. I want to do this trip. I want to cross Galapagos off my bucket list.

What would you do?

photo credit: http://www.flickr.com/photos/ndecam/

High Prices in Fashion Magazines

I am a big magazine subscription fan. Right now, I have subscriptions to Real Simple, Scientific American, Marie Claire, and I pick up copies of InStyle and Martha Stewart once in a while. What I’ve noticed is that many of the clothing, accessories, and shoes featured in fashion magazines have gone from merely expensive to completely ridiculous for 99% of the population.

high prices of fashion in magazines High Prices in Fashion MagazinesMany items pictured in those glossy pages have prices in the four-figures, or are labeled a mysterious and frightening “price upon request.” I know much (all?) of high fashion is aspirational for most of us out there, but most folks don’t spend $4,000 on a bejeweled vest. Or $2,0oo on leather pants. Or think those are “worthy investment pieces.”

There is nothing wrong with buying these items, but I’m speaking selfishly here. Selfishly, as someone who loves clothes and style and has a budget that is a wee bit smaller than would allow me to drop $2,000 on any one item, I’d love it if magazines just expanded their spectrum of items featured. Just a little bit. Sure, there are magazines with Splurge vs. Steal / Steep vs. Cheap features, but many times even the “cheaper” versions are only cheap by comparison.

So please, dear fashion magazines, please give us ladies on a budget something that we can actually purchase without using up 1/2 of our yearly clothing spending. (And we might not even have a small budget! A $5,000/annual clothing budget is pretty significant in my world, but that would allow a reader to buy maybe 6-7 pieces features in your pages).

I’m guessing I’m not the only one who would appreciate this, right? Or is part of reading fashion magazines looking at beautiful things outside of your budget?

Bridal Shower + Tea Party

My future sister-in-law threw me the most beautiful bridal shower & tea party this weekend. Instead of going to a tea room, she MADE this incredible spread (including my favorites: home-baked cranberry and orange scones and chocolate-covered strawberries!) and a few friends, myself, and her spent almost 5 hours eating, laughing, and talking.

bridal shower Bridal Shower + Tea Party

bridal shower 2 Bridal Shower + Tea Party

See those gorgeous gilt tea cups and saucers? My future sister-in-law’s best friend apparently collects those, and each one has fluted edging and feet. I already love all things afternoon tea, so this was the best shower I can ever ask for.

The next time I feel tempted to splurge on a $30 per person afternoon tea, I might just be inspired to DIY instead. (Plus, did I win the sister-in-law lottery or what?!)

Anyone loves afternoon tea? Do you throw tea parties at home?

Bathroom Attendants!? Don’t Go to the Bathroom Without A Few Dollars in Your Pocket

I know I have to tip when I ride in a taxi, when I eat in a restaurant, and when I leave a hotel room. But… in the restroom? Apparently, tips and bathrooms are not mutually exclusive.

During one of our nights in Las Vegas, we had dinner at Tao, the trendy Asian-fusion restaurant where no matter how hip you are, you are never hip enough. When I snuck to the restroom to wash my hands, I was faced with a sink lined with perfume, breath mints, lotions, hairspray, etc. And off to the side stood the bathroom attendant, a lady pumping handwash onto your palms and offering up paper towels the moment you turn off the faucet.

In the middle of the counter, there are two glass jars with dollar bills. So imagine my discomfort when I realized that I have NO cash on me, anywhere. I was so embarassed that the second time I went to the restroom I just washed my hands and wiped them on my jeans instead of taking a paper towel. This is the first time I have seen a bathroom attendant (I had thought that they were the stuff of urban legends, conjured up to frighten cashless restaurant patrons), and I have no idea what the correct etiquette would be.

On the one hand, I don’t think I should have to fork over money just because I go to the restroom. On the other hand, it is pretty awkward when there is a human being handing you towels and a tip jar standing RIGHT there. I wish bathroom attendants weren’t necessary - actually, I wish that restaurants would pay them a minimum wage so that I don’t have to feel bad about not having a dollar to tip. The restaurant can roll up the higher cost into the price of the meal – I would be much more comfortable with that arrangement.

Have you frequented places with bathroom attendants? When & how much do you tip?

Spending Money in Las Vegas – Eat, Play, Sleep?

I’m heading to Las Vegas this month for a mini-weekend getaway (pulling kind of a #8). Las Vegas has so much to offer tourists - whatever you like, you can probably get it in Sin City. But if your budget is not unlimited, you’ll have to choose what’s on the top of your priority list. So what do you spend your money on? Do you like to eat (try out new restaurants and buffets), play (gambling & shows) or sleep (hotels)?

Eat

I had a few friends who went to Vegas to specifically have dinner at Bouchon at the Venetian. With entrees hovering around the $30-$40 range, it’s the place for folks who like to eat! There are great restaurants inside all the casinos – in fact, I’d say Las Vegas has highest concentration of high-end restaurants all along one street. Where else can you walk from Tau to Guy Savoy to Nobu in less than 10 minutes? But even for someone who loves food as much as I do, I can’t bring myself to shell out the big bucks. I love food, but I feel that I can get better food, for cheaper, in Southern California than I can in Las Vegas. When I travel, I like to try the local specialities of the place , but there’s nothing that particularly pulls my attention to Las Vegas. Or rather, because of my budgetary concerns I refuse to let myself be swayed! So perhaps I’m just a fox crying sour grapes!

Play

If you want to party it up, Las Vegas is the place to be. I was comparing notes with a friend who goes to Vegas quite often about what we like to do and how much we spend, etc. It turns out that she usually stays at Imperial Palace, whose location on the Strip and price outshine its amenities. But that’s OK, because she spend only a few hours in her hotel room while she’s in town. The rest of the time she is dancing up a storm at all the hottest clubs. Cover charges and drinks range from $20/entrance to $60/entrance. If you want bottle service, that can set you back $1,000-plus. If you are a group of girls, my friend has informed me, you can into clubs free or for a discounted rate.

Sleep

me as old lady Spending Money in Las Vegas   Eat, Play, Sleep?So if I don’t spend my money on food or entertainment, what DO I spend on? Apparently, I am an 80-year-old stuck in a twentysomething’s body, because more than anything else a nice hotel to rest in is my priority #1. Las Vegas hotels give you the biggest bang for your buck. Because they can count on gaming revenue, the 5-star and 4-star hotels are often cheaper than comparable hotels in any other area. As long as I don’t go during New Year’s Eve or Super Bowl Sunday, the prices are usually very reasonable.

Case in point: the Four Seasons in Las Vegas cost $234/night for a Superior Room on a weekend in April, but the Four Seasons in Santa Barbara cost $605/night for a Superior Room on the same weekend! (Now you understand why we are high-tailing it out of Santa Barbara right after the wedding reception).

So that’s what I spend most of my money on in Las Vegas – the hotel. The other things – eat and play, I try to do on the cheap. We walk around taking in the night lights.  I’ve wanted to see a Cirque du Soleil number but never could pluck down the money for tickets. Instead, we watch the free pirate show at Treasure Island. We try to fill up on a buffet and then have dinner at mid-priced restaurants such as Noodles in Bellagio, where we can get a big steaming bowl of beef noodles for $10/person. When we lounge in the hotel room, it’s truly enjoyable. I watch HGTV, take naps, hang out in the casino for a little bit of slot machine action before we go back to the comfort of our room and lounge all over again.

When I compare notes with my friends, many times we spend about the same. I may sleep on expensive sheets, another friend will have seen Cirque du Soleil, and another have sampled the finest meals at all the restaurants. That’s what’s so great about personal finance – different strokes for different folks! icon smile Spending Money in Las Vegas   Eat, Play, Sleep?

What you go to Las Vegas, what’s your spending priority? Eat, play, or sleep? (Or are you a high-roller that goes all out on all 3 elements?)

Save vs. Splurge for Wedding Night Hotel

What do you do when you realized that you picked a really popular area to get married during the start of the tourist high season? I find myself in that position, as I scour the interwebs for a hotel for our wedding night / mini-moon. It turns out that Santa Barbara - one of my favorite cities in the summer, while a lovely place to get married, is also extremely pricey if you want to stay in a nice hotel to celebrate the start of that marriage. All the hotels and bed-and-breakfasts that come highly-rated cost at least $250+ a night, plus taxes and fees. The places that are a little cheaper, at between $150-$200, have some fairly uncharitable reviews that give me pause. There are some lower-end motels or hotels that are around $150, but I am not THAT frugal.

Still, as much as I enjoy a luxury hotel stay (I do), and as much as I understand that weddings / honeymoons are probably not a time to skimp on accomodations (I do), it pains me to think about spending $300+ when I’ve stayed at gorgeous properties for half that price. On the one hand, I suppose it’s better to just spend a little extra to guarantee a good experience, but on the other hand, it’s so much money. Thus began an internal battle between the personal finance blogger and the bride-to-be.

But then, inspiration! I started looking outside Santa Barbara… and found that by staying in a seaside town a few hours north instead of the seaside town where we are getting married, we will save up to $100/night for a hotel of comparable quality. Instead of $250/night, we can pay $150/night. Three nights stay means a saving of $300, which will be enough to pay for some horseback riding, a nice dinner, and event a jaunt to the Hearst Castle. So here’s our plan: after our day-time wedding, we are going to drive up the Pacific Coast Highway and check into our hotel for a 3-day mini-moon before our official honeymoon to Buenos Aires the week after.

What would you have done in my case? How much would you spend (or have spent) on your wedding/honeymoon hotels?

Are Travel Flash Sale Sites Really Cheaper? Do Your Homework Before You Buy

As someone who (1) loves to travel, (2) enjoys luxury, and (3) has a budget, I was so happy when travel flash sale sites started popping up a few years ago. These sites host “flash sales” on hotels, cruises, vacation packages, or even airfare. The sales last for a few days and is often final sale, and in exchange consumers are supposed to get a deal that’s much better than what is available on the travel vendor’s own website. But don’t assume that you are automatically getting the best price. In some cases, you won’t be saving money going through travel flash sale sites – you’ll actually be paying MORE by going through a flash sale site.

Case in point

Last night, I was looking up hotel options for our honeymoon to Buenos Aires, Argentina. Jetsetter, Gilt.com’s travel site, features several hotels in the city. Palermo Place caught my eye – Jetsetter offers me a price of $235/night rack rate. Sounds pretty good, right? The picture below is of Jetsetter’s checkout page – as you can see, 4 nights over a weekend in May will cost $1,132.

jetsetter hotel price3 Are Travel Flash Sale Sites Really Cheaper? Do Your Homework Before You Buy

But wait! On Tripadvisor.com, Palermo Palace is advertising a 30% off special, which would make it cheaper than Jetsetter. So I input the same dates, the same room type, and same number of nights at the hotel, and it turns out that booking directly with the hotel would only cost $796, $300+ cheaper than the Jetsetter price. $300 is no chump change, especially in Buenos Aires where it’d be enough for several very nice meals, a bunch of leather souvenirs, and more than a couple private tango lessons!

palermo place price1 Are Travel Flash Sale Sites Really Cheaper? Do Your Homework Before You Buy

So this is what I’ve learned - always, always do your homework. It is easy to assume that travel flash sale sites have the best deals. After all, that’s what they are there for. But it only takes a few minutes to do a quick search on the Tripadvisor, the hotel or cruise website, and Google. You might discover that the so-called deal isn’t that great of a deal given what other discounts or specials are out there. Or, you might confirm that it is truly too good to pass up (our proposal weekend bed & breakfast was $149 on Living Social Escapes but $280+ on the hotel’s website). In that case, click buy and enjoy the trip!

Do you use travel flash sale sites? Have you found that they are more or less expensive than other sources?

My Holiday Splurge

I hope everyone had a Merry Christmas / Happy Hanukah / wonderful holiday celebration! I didn’t step one foot into a store this weekend, but unfortunately (or fortunately), the easy access of online shopping meant that I’ve made a few holiday splurges. I’ve said it before.. there is something about the holidays that make me loosen my wallet, without fail. According to news of the retail sale jumps and credit card usage increases, I’m not the only one buoyed by the spirit of the season to spend a little (more).

Thanks to a Christmas bonus and Mom’s birthday gift, I found myself in possession of an unexpected $700. Thanks to this boon I went a little crazy with the buying. In addition to a couple of dresses for work, I got a Linea Pelle overnight/weekend bag. The Dylan 24 Hour Overnight Bag retails for $595, but now that it’s out of season I’ve seen it marked down to $300+ on eBay. In a stroke of luck, I found it for just $139.99 plus $10 shipping on Ideeli.

linea pelle dylan overnight bag1 300x271 My Holiday Splurge

It looks great online, and I’ve heard that Linea Pelle has gorgeous leather, so I am definitely excited about this “gift to myself”. $150 was near the top end of what I would be willing to spend on a bag, but I thought this was too good of a deal to pass up (yes, I actually thought that – too good a deal to pass up! No, please don’t kick me out of the personal finance blogger club). Now I can travel with a little more panache than just with my $10 duffel bag from Ross.

What was your biggest splurge this holiday season?

My Wedding Splurge: I Said Yes To The Dress

I said yes to the dress

I have a confession. This weekend, I handed over my American Express card and signed off on a $600 wedding gown purchase. As you may remember, I have a perfectly fine dress that I got for $66(!) at a Nordstrom Rack. But somehow I decided to say “yes” to a complete splurge dress with a price multiplied by 10. I don’t want to put a picture of the dress on the blog, but if you are not the person I am going to marry next year, you can see it here.

RandyBlogphoto My Wedding Splurge: I Said Yes To The Dress

Randy, unfortunately, could not make it to my bridal appointment. What a shame!

This means our wedding budget is increasing. I will need alterations. I will need to sell my other gown. Wedding budgeting brings out very conflicted feelings inside me. On the one hand, I want to be prudent and responsible with the spending. And plus, weddings are one of the most judged expenses around. Try as I might, I think I have internalized some of that judgment / self-criticism. On the other hand, this is One (Very Special) Day. I want to look and feel my best, and I do feel more bridal in this dress than in my lovely $66 sheath. (I think Randy would have approved).

The splurge and the aftermath

All day after the bridal appointment, I felt a little guilty. I didn’t try my best to get the best deal for the dress (basically paid the list price). I could have gotten it cheaper from used dress sites or on Craigslist, but I couldn’t find a petite length one, so I decided to just bite the bullet and order at the store. There are so many beautiful dresses online for much cheaper, but I didn’t go that route because I really wanted to try something on before I made my purchase.

$600, in the grand scale of things, won’t make or break my finances. I can afford this dress, but the nature of weddings is that folks can always afford the individual elements. It’s the total, combined number that threatens to shock you if you don’t carefully monitor the budget. Speaking of which, I do not want to think about the total, combined number. Now that I got a nicer dress, I also feel compelled for us to up CB’s suit budget. Because, let’s face it, he will get much more use out of his wedding day attire than I will mine.

I am not exactly sorry I bought this dress, because it is beautiful, and I felt beautiful in it. I am aware that if this dress were any color but white and were labeled a long evening gown instead of a “wedding dress,” it would have cost 50% less. But life is just too short to always stress about if I got the absolute best deal or if the Wedding Industry is getting one over me. The bottom line is that I can see myself walking down the aisle in this dress – happy and glowing – and I’ve made my peace with the price.

So there is my wedding splurge. It’s an indulgence, but what a beautiful, lacey, delightful indulgence it is.

image source: Randy Fenoli via gettingmarriedonlongisland.com

Did you splurge on your wedding gown? If you are not yet married, do you think you will splurge on the dress? And most importantly, how much do you love Randy?