Archive for the ‘Money & Finance’ Category

Planning for your Second Life: The New Retirement

Monday, November 17th, 2014

From our money & finance contributor, Kelly Whalen.

Note: This will be my last post as a contributor for MomAdvice. Thank you for all the thoughtful comments, support, and most especially thank you to Amy for the opportunity. My hope is that if you look through the archives of my posts you will get a clear financial education from beginning to end. It only seems fitting to end our journey with retirement.

Planning for your Second Life The New Retirement

Most of us grew up with the notion that retirement came after 40+ years in the workforce and came with golf, social security checks, and retiring to somewhere warm. For most Americans that dream of the ‘golden years’ has disappeared. Somewhere during our recent recession it became more obvious that the idea of traditional retirement wasn’t going to be an option for most people. In fact over 60% of Americans have under $25,000 saved for retirement. *

That doesn’t have to be a bad thing, though. You no longer have to tie yourself to a cubicle or labor every day and then sit on your buns from 65 on. Instead you can plan for a second life that will be just as fulfilling as your first career — a second life that may even start sooner than you think.

Planning for your Second Life: Financial Planning

Start Saving Now

Saving early means your savings have longer to grow. If you haven’t started saving now is the time to start. If you have been saving for retirement consider ramping up your savings for 2015.

Take Advantage of your Retirement Options

  • 401ks are popular for companies and they offer a great advantage—free money in the form of matching from your employer.
  • Roth IRAs are another great option. In addition to using the funds for retirement you can also use them for educational costs. This allows you to bank money for your kids’ college educations, but if they don’t need or use it you can continue to bank on it for retirement.
  • If you’re self-employed look into a self-employed 401k. They offer you the ability to save more than most retirement options and have low maintenance costs.

Live on Less
It’s always good to live on less, but especially when you start to think about retiring. Cutting back on expenses now not only means more savings to grow, but you will become accustomed to living well within your means.

Planning for your Second Life: Work

Don’t Stop Working
The reality for many of us is that we will continue to work well past the traditional retirement age of 65. While you may not be suited to your current career there are other opportunities to use your skills to earn an income. Below are a few options to consider.

  • Finding a Work/Live Job: House sitting, live-in jobs such as caretaking or management can provide you with a place to live rent-free. This can be a great option in retirement to slash housing costs, and allow you to earn an income.
  • Offering your Skills as a Consultant: While you may leave your 9 to 5 gig you can still use your skills to earn income as a consultant. Whether you work with a consulting company or strike out on your own you may find you can earn even more than your typical paycheck as a consultant.
  • Bartering or Work for Trade: Relying on your skills and hobbies will allow you to barter or trade services with others. For instance, a former CPA may do taxes for a small business client bartering for their services. You can also trade your time for services such as working the front desk at your local gym for 5 hours per week in exchange for free membership.

Planning for your Second Life: Housing

Go Multi-Generational
As housing costs and expenses soar it makes sense to share housing costs, but instead of renting out a room to a stranger, or downsizing consider living with family members. While it may not work for everyone it can be a huge money saver and a way to stay connected with your family members. The big benefit comes in divvying up the housing costs and the household chores.

Planning for your Second Life: Phase Two Begins

Start Phase Two Now
Instead of waiting until your kids are all grown and you’re in your 60s to retire take a hard look at what it would take for you to be able to work less, downsize, or move somewhere more affordable now. While you may not be able to retire in the traditional sense you can realign your budget and thinking to fit a lower stress phase two of life and possibly even find room in the budget to take on a project or build a new career based on your passions instead of the need to climb the corporate ladder.

With careful and strategic planning you can move into the next phase of your life and find it just as fulfilling (if not more so) than your first life.

*Source: Employee Benefit Research Institute

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Freebie Friday November 14, 2014

Friday, November 14th, 2014

freebie friday Happy Freebie Friday, everyone! We would like to thank Couponing 101 for assisting us with our freebies each week for loads of deals, savings, and freebies!

This week on MomAdvice I’m sharing probably the cutest holiday table we’ve ever had – it’s a woodland themed Thanksgiving table complete with a wonderful set of FREE printables created by our own Sarah Milne. We’ve also got another article full of ideas for dating your husband from Mary Carver - how to put your marriage at the top of your holiday list. On this week’s edition of  It’s the 3 Little Things I’m sharing what’s making me happy and hope you’ll share yours, too!

Our regular feature,  Amy’s Notebook, is of course filled with lots of inspiring DIY, food, decorating and craft ideas, and be sure to check out all the contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty
Food & Drink
Entertainment
This Week’s Freebie Events: November 15 - 21
15th - Barnes & Noble: Join Storytime featuring The Great Thanksgiving Escape, times vary
15th - Lakeshore Learning: Create a Family Picture Tree, 11 am – 3 pm
15th - Toys R Us: Play with Nerf Blasters and other Hasbro Toys, 12 – 4 pm
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Apron Full of Giveaways 11.11.14

Tuesday, November 11th, 2014

Yellow Linen Half Apron via Etsy

Source: Linen And Tailor,  $49.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Freebie Friday November 7, 2014

Friday, November 7th, 2014

freebie friday Happy Freebie Friday, everyone! We would like to thank Couponing 101 for assisting us with our freebies each week for loads of deals, savings, and freebies!

This week on MomAdvice Shaina is sharing how to make pork potstickers at home – no need for takeout! And I’m super excited to be revealing my winter fashion capsule – including what I’m keeping from fall and what I’m changing up. On the topic of fashion you’ll also find some fun diy ideas for dressing up your boots using Goodwill items. This week’s edition of It’s the 3 Little Things has new things that make me happy, 3 capsule outfits I wore, and more. Our regular feature,  Amy’s Notebook, is of course filled with lots of inspiring DIY, food, decorating and craft ideas, and be sure to check out all the contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty
Food & Drink
Dunkin Donuts Medium Beverage (when you sign up)
Entertainment
This Week’s Freebie Events: November 8 - 14
8th - Barnes & Noble: Join Storytime featuring Padington, times vary
8th - Lakeshore Learning: Create a Harvest Headdress, 11 am – 3 pm
8th - Lowe’s: Build a Science Lab, 10 am
8th - Michael’s: Make a Thumbprint Reindeer Ornament, 12 – 3 pm
8th - Toys R Us: Play the new Skylanders Trap Team Game on Xbox One or Tablet, 12 – 4 pm

 

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Winter 2014 Fashion Capsule Wardrobe Project

Tuesday, November 4th, 2014

Winter-2014-Fashion-Capsule-Wardrobe

Thank you guys for indulging me so much in my fashion capsule project this year. Today I wanted to reveal my Winter fashion capsule wardrobe that I will be wearing the next three months and hopefully inspire you to create a capsule wardrobe of your own. This capsule launches on November 22nd for me, but I wanted to share it with you early in hopes that some of these items might inspire you. As always, follow me on Instagram and check our It’s the 3 Little Things to see the outfits I create with these items.

After doing a little research this time around and feeling like even though I had minimized my wardrobe A LOT, I still felt like I could minimize a bit more. Here are last month’s rules I created if that works better for you. In all honesty, this is about minimizing so follow rules that fit well with you and consider stages like I am doing. This time I am doing a modified Project 333 project similar to what I did last month. Here are the rules I am following this month.

A Modified Project 333

What Is a Capsule Wardrobe?

A capsule wardrobe is a collection of clothing which is designed using only interchangeable items, in order to maximise the number of outfits which can be created. The aim is to have an outfit suitable for any occasion without owning excessive items of clothing. This is usually achieved by buying what are considered to be “key” or “staple” items in coordinating colours.

This project was inspired by Project 333 & the Unfancy fashion capsule challenge, but I am making a few of my own rules for my own personal challenge.

33 Piece Wardrobe- The wardrobe can have 33 pieces  in it. This wardrobe does not include pajamas, workout gear, undergarments, or camisoles (something that is a necessity for me).  The capsule is made from items I already own, some purchased to be workhorses in my wardrobe (since I fail in this department greatly), and purchased second hand at Goodwill or through Twice. All of the items I am not wearing and still love are being tucked in storage for the next fashion capsule.  I have created a Fashion Capsule Pinterest Board to help inspire me with the pieces I am using.

Choose 3 More for Rotating- You may choose three additional items and put them aside in your closet. You may rotate these items in during the next three months, but three other items have to rotated out. Consider donating those items.

No Shoe Shopping- I am not including my shoes for this challenge, but I am challenging myself to not buy any more shoes and use what I already have.

One Steal Per Month- Things and events come up and I am allowing myself one steal per month from items that I already own. I may find I don’t need this, but I think it might help with the shopping bug.

No Shopping For Clothing- I will wear the clothes I have selected and not shop for three months and only shop two weeks prior to the next capsule for items for the next season if needed. This is going to require a lot of discipline for me and I am planning to unsubscribe to shopping newsletters and avoid the shops as much as possible.

This month’s Project 333 Wardrobe is listed below. The ones with TWO asterisks are carrying over from my last capsule. To me, these are the best pieces to buy since they are making a reappearance! The ones with a single asterisk are still in route to my house. I will photograph them when they arrive!

Winter 2014 Fashion Capsule Wardrobe Project

1.  J. Crew Emerald Green Blouse (owned- second-hand purchase)

2.  Seamless Perfection Long Sleeve Tunic in Chocolate (purchased- Flourish Boutique)

** 3.  Seamless Perfection Long Sleeve Tunic Dress in Black (owned- Flourish Boutique)

4.  Seamless Perfection Long Sleeve Tunic in Gray (purchased- Flourish Boutique)

** 5.  H&M Black & White Striped Top (owned- Goodwill)

6. White Mossimo Thermal T-Shirt (purchased- Target)

7.  Flannel Shirt (purchased- Pitaya)

8.  Amelia Jacket (purchased- Flourish Boutique)

** 9. Chambray Shirt (owned- Flourish Boutique)

Winter 2014 Fashion Capsule Wardrobe Project

10. J. Crew Red Plaid Tunic  (purchased second-hand on Twice)

11. Brooklyn T-Shirt (purchased Urban Outfitters)

12. Camel Colored Cowl Tunic Top Sweatshirt (purchased Target)

13. Hunter Green Floral & Lace Hoodie (purchased- Marshall’s)

14. Rust Colored Bird Print Shirt (owned- Flourish Boutique)

15. ya Gray Wool Sweater Vest (purchased- Flourish Boutique)

16. Anthropologie Felted Sweater Coat (owned second-hand from Clothes Mentor)

17. Gray Faux Fur Vest (purchased- Target)

Winter 2014 Fashion Capsule Wardrobe Project

** 18. Old Navy Plaid Flannel Shirt (owned- Old Navy)

19. Gap Wool Blazer (owned- Gap)

20. Papillion Yellow Mustard Circle Dress (owned- Flourish Boutique)

21. Anthropologie Yellow Mustard Sweater (purchased second-hand on Twice)

22. Anthropologie Scarlet Swing Skirt (my splurge- Anthropologie)

23. Ruffles Have Ridges Top  (purchased- Flourish Boutique)

24. J. Crew Khaki A-Line Skirt (purchased second-hand on Twice)

25. White House Black Market Knit Black Dress  (purchased second-hand on Twice)

Winter 2014 Fashion Capsule Wardrobe Project

** 26. The Essential Leggings in Black (owned- Flourish Boutique)

27. The Essentials Leggings in Brown  (purchased- Flourish Boutique)

28. Matilda Jane Willow Tree Rider Pants (purchase from Amanda Petit, Matilda Jane Independent Trunk Keeper)

29. Burgundy Knit Leggings (owned- Ann Taylor Loft)

** 30. Seven Skinny Jeans (owned- Flourish Boutique)

Winter 2014 Fashion Capsule Wardrobe Project

** 31. Old Navy Vintage V-Neck T-Shirt in Gray- (Old Navy)

herringbone-vest

*Houndstooth Puffer Vest J. Crew Knockoff (purchased- Groopdealz)

*Not pictured yet! Red Puffer Vest (purchased- Groopdealz)

Coupons That Might Help If You Are Making a Capsule Too

Current Coupons for Old Navy (I am a big fan of their jeans and basic t-shirts)

Current Coupons for Target (their wardrobe is on the smart minimalist side this season- yay!)

Current Coupons for Gap (blazers, chambray shirts, collared shirts, jeans- oh my!)

Get $10 for your first Twice purchase (this is my favorite online consignment resource)

Use web code WEB25 for 25% off your purchase at Flourish Boutique (this is our site sponsor and where I get the majority of my clothing). You can also catch a sale daily on the Flourish Boutique Facebook Page)

Stitch Fix can be a fun resource for shopping for smart basic wardrobe pieces if a stylist might benefit you! Be sure to note in your file EXACTLY what you are looking for when scheduling your fix.

Again, I won’t be daily documenting, but you can find me on Instagram sharing ideas and I showcase three ideas every Friday for you to try. I promise though to fully commit to this and I know this will be very good for me this year.

UPDATES HERE:

Creating the Perfect Fashion Capsule Wardrobe (That Really Works)

It’s the 3 Little Things (Three Outfits Posted EVERY WEEK in each entry- happy browsing!!)

Fall Fashion Capsule 2014

Would you like to do a challenge with me? Feel free to leave a comment below and let me know if you want to join in on the fun or if you are doing a similar challenge of your own!

*this post may contain affiliate links- I only recommend what I love though.

Apron Full of Giveaways 11.04.14

Tuesday, November 4th, 2014

hummingbird apron via etsy

Source: Lotus 2 Loaves,  $45.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Freebie Friday October 31, 2014

Friday, October 31st, 2014

freebie friday Welcome to a Halloween edition of Freebie Friday! We hope you have a great holiday – and wouldn’t some freebies get it off to a nice start? As always, we would like to thank Couponing 101 for assisting us with our freebies each week for loads of deals, savings, and freebies!

This week on MomAdvice we have a thoughtful article from Kelly Whalen discussing college costs and if you really need that degree. I’m also sharing a review of Empowered Safety, including a giveaway for a free membership to this service that alerts you to product and food recalls. You’ll also find a super easy craft project that makes me so happy – Gold Thumbtack Pumpkins – as well as a new Sundays with Writers interview with Kathryn Craft, author of The Art of Falling. On this week’s edition of  It’s the 3 Little Things I’m sharing what’s making me happy and hope you’ll share yours, too!

Our regular feature,  Amy’s Notebook, is of course filled with lots of inspiring DIY, food, decorating and craft ideas, and be sure to check out all the contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty
Food & Drink
Entertainment
This Week’s Freebie Events: November 1 - 7
1st - Home Depot: Build a Pallet Coaster, 9 am – 12 pm
1st - Lakeshore Learning: Create a Scarecrow Puppet, 11 am – 3 pm
1st - Pottery Barn: Join the Pajama Jam, 5 – 9 pm

 

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Apron Full of Giveaways 10.28.14

Tuesday, October 28th, 2014

Green Chevron-Polka Dot Kid's Apron via Etsy

Source: Kelleen Kreations,  $23.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Do You Really Need That Degree? College Loans, Options, and Savings

Monday, October 27th, 2014

From our money & finance contributor, Kelly Whalen.

College debt has reached an all-time high in the United States. Collectively, we owe over a trillion dollars in student loan debt. Yes, trillion with a capital T. It’s actually over $1,200,000,000,000. Ouch.

Is that degree really worth it

Student loan debt is unlike most other debts though in that it is nearly impossible to get rid of, known as forgiveness or discharge. This means even if you fall on hard times, lose a job, or your life circumstances change drastically it’s extremely uncommon to have that debt wiped away – you’re pretty much stuck with it. For some adults this means they will be carrying debt from choices made in their teens and twenties well into their middle age and often they’ll still be paying off those debts while paying for their children’s education.

When considering our finances it’s important to look at the impact student loan debt has since many readers are impacted by college debt. It’s likely you still owe for your college education if you have one (and often even if you don’t have a degree!). Others may be considering college costs for their children whether they’re toddlers or getting ready to head to college. Finally, there are many adults who go back to school when they change professions or need additional education to improve their earning power.

Since there are a lot of scenarios to cover here I’ll break them down, and you can head to the subsection that applies to you.

Already in Student Loan Debt

You already have a degree and the debt to prove it. While you may owe anywhere from a few thousand to tens of thousands the advice to not get into debt doesn’t apply. You need solutions and advice on getting out of student loan debt.

Consolidate

If you have multiple loans look into consolidation. You can consolidate loans with your spouse as well. This may allow you to get a lower interest rate or lower monthly payment, but it also makes it easier to manage than several loans.

Pay More than the Minimum

While it’s common sense, paying more than the minimum means you will pay it off sooner. Some ways you can ‘find’ more than the minimum in your budget include: slashing expenses (like dropping cable or getting a cheaper cell phone plan) or adding any pay raises to your loan payment.

Work a Side Gig or Second Job

Need to earn extra money to meet your loan payments or increase your payments to pay it off quicker? Get a side gig or work a second job to earn extra money to put towards your college loans.

Investigate Options

If you’re really struggling financially like having no job call your student loan company before you skip a payment. They may be able to hold or defer payments or offer some other options to help keep you from defaulting on your loans.

Getting Ready or Going to College

If you or someone in your family is headed to school or back to school for a degree it’s the perfect time to consider all the options.

Do you Really Need That Degree?

While a college degree is still statistically going to increase your earning ability over time it’s not always a necessity in every profession. Some professions simply don’t require a degree, and many trades are desperately seeking qualified and well-trained individuals.

Additionally, the job market has changed drastically to allow small businesses with little overhead to thrive. In an age of consulting, freelancing, and startups a degree is nice-but it’s not exactly a requirement. Depending on your skillset you may not have the need for a traditional college diploma.

Check Pay Rates and Rental/Home Prices

Whether you’re going back to school or headed to college for the first time you need to consider the cost versus the income you will earn in the future. While we all know there are no guarantees of future income checking pay rates in your area and investigating the cost of housing will help you get a general idea of what you’ll have to spend on student loan repayment.

For instance, it doesn’t financially make sense to spend $150,000 on a degree if the average entry-level earnings are $35,000 per year and average rentals cost $750/month.

The math would show you it would take an awfully long time to pay back your loans, and in the end it’s unlikely to be worth the added stress and costs when you could get a solid education and degree for 1/4 that cost.

Exhaust Scholarship and Grant Options

Grants and scholarships are plentiful, but it takes some hunting and some time to getting the most money you can for school. If you dedicate the time upfront though you could end up saving thousands of dollars. There are scholarships and grants that are high value and competitive, and there are smaller scholarships and grants that are for less money and more obscure.

Consider Starting Small

Instead of diving into a 4 year college with big expenses consider a local, smaller school to get your initial credits out of the way. You could even consider an online education if you’re an adult or need to work full-time to fund your education.

Saving for Future College Costs

Saving for your children or family members who you hope to help go to college is a great gift, but you have to consider all the options before you start saving.

It’s vital to be sure you aren’t locking up money that is needed for an emergency fund or for retirement first and foremost.

However, if you have a healthy emergency fund and are (mostly) on track with retirement savings here are come options to consider:

529 Plans

529s are a great option since they offer no taxes when withdrawn for qualified education expenses like tuition. Many states also have no tax on withdraws.

There are two types:

  • Pre-paid plans: You pay for college costs at today’s rates even if costs go up when your student goes to school.
  • Saving plans: Savings plans are based on the stock market with a mix of investments that get more conservative as your child nears college age.

The downside: Funds that aren’t used for college are taxed fully and a 10% penalty is tacked on. While it’s hard to tell when they’re infants, it’s not exactly ideal if Junior decides not to go to school or ends up with a full scholarship.

Roth IRAs

Roth IRAs are a retirement savings vehicle, but they also offer the option of withdraw for college expenses. This can offer the best of both options for families who need to get the most out of their long-term savings.

With a Roth IRA you can use funds for educational expenses OR retirement meaning if your child doesn’t need all the funds you can continue to grow them for retirement without paying penalties.

The downside: Current Roth IRA limits mean you can only save $5,500 each year or $6,500 if you’re over 50 in these accounts.

Note on investing for college: You can encourage family members to add to your little tyke’s college fund (for instance in lieu of gifts for the holidays or birthday presents). For instance grandparents can gift funds to each child, currently you can give $14,000 per year without penalties. 

When Should You NOT Save?

If you’re in debt or struggling financially saving for college shouldn’t even be a consideration. High interest debt (i.e., not your mortgage or your own student loans!) should be tackled before you consider saving for college. If you’re paying 14.99% on your credit cards the math is against you saving for college costs…for now.

Parents often make the mistake of saving for college funds over retirement thinking they have less time to ‘catchup’ on college education costs, but if they aren’t maxing out their retirement savings they could be in major trouble later in life.

While it is a great goal to make sure your children enter adulthood debt-free it shouldn’t come at the cost of your own savings and financial stability-that will impact your children now.

What it comes down to is this–take care and consider all your options whether you’re paying off college costs or saving for your children’s future.

What are your thoughts on student loan debt and college savings? Do you still owe for your education or are you worried about financing your children’s education?

 

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It’s the 3 Little Things (GIVEAWAY!): New Glasses, Apple Scented Luxuries, & Fitbit Glam

Friday, October 24th, 2014

It's The 3 Little Things

Happiest of Fridays, friends! It is a happy Friday, indeed, because I get to share a giveaway today of one of my favorite things! I have been hearing a lot from people that this is their favorite feature. I am so happy that this is loved by you as much as I love sharing it.

Here is what is making me happy this week!

Method Honeycrisp Apple

Honeycrisp Apple Method Fun

I don’t know how I got on the magical Method mailing list, but I am always so excited when I spy one of their boxes on my front step. This week’s mailing included some items from their new Honeycrisp Apple line of products for the Fall season. I can’t tell you how good these smell and, as always, they look beautiful on my countertops and sink too. You must find this and then spray everything in your home with it. In typical Method fashion, it smells delightful, but isn’t overpowering.

DIY Fitbit Flex Bracelet

My New Fitbit Leather Cuff

Ask anyone that has seen me this week and they will tell you that I have been wearing this cuff every single day. I REALLY did not like the look of the plastic bracelet and had been searching on Pinterest for something that I could use to hide my Fitbit away when I wanted to look a little more polished. On a girl’s trip to Chicago with my friends, we started brainstorming an idea for this and then my friend, Andy, offered to help me create this project and let me photograph her tutorial.

First of all, it was a crafting match made in heaven although such hard work. It is really terrible to go to your friend’s house, drink coffee, take pictures, and craft together. What a DRAG! Secondly, I came home with my bracelet and haven’t taken it off unless I head to the gym and need my utilitarian version.

I told you how crazy I am about my Fitbit, but I am afraid I am taking it to another level. If you haven’t read David Sedaris’ essay on the Fitbit, I am pretty much like that. I even demonstrated to my husband how I can loop around our house three times while I microwave my lunch for a few extra steps. I started walking on the dusty old treadmill to catch up on my shows and get in my steps- no more couch potatoing over here. If I feel like the number should be rounded up, I might pace a bit in front of my bed.

One more thing for me to get obsessed about. Yay!

Coastal Derek Cardigan Glasses

New Glasses (For Me AND You)

I absolutely love Coastal and shared how much I love my frames that I snagged from them earlier this year. You can always spy them in our Sundays With Writers series as my header.  They saw that they were on the happy list and asked if they could send me another pair of my choosing and wanted to give away a pair to one lucky reader. I got to select one pair from their Exclusive Collection (and you can too!) to update my look. I settled on these Derek Cardigan 7039 Glasses in black. I love the bamboo arms on these, that adds a unique modern touch. I have gotten so many compliments on these and they couldn’t have fit my face better.

The company always includes a really nice case and a little eyeglass kit to care for them. I am, most of all, impressed by their affordability.

Scroll down below to enter to win a pair from Coastal’s Exclusive Collection and see for yourself what a treat their glasses are!

Three Things I Wore From My Fashion Capsule. I will unveil the next capsule on November 3rd to hopefully inspire you on your own fashion capsule journey. After going through my stuff, I am debating on the number of items I will have in this one since it is just one cold season- stay tuned.   Did you read what I am learning from this project? You must!  Grab more inspiration on my Fashion Capsule Pin Board.

stripes + moto jacket + scarf + boot socks + brown boots

H&M Black & White Striped Top (owned- Goodwill)/ Seven Skinny Jeans (owned- Flourish Boutique)/ Brown Belt (owned- Maurices)/ Brown Boots (6PM- Naturalizer/ Subtle Chevrons Scarf in Rust (purchased- Flourish Boutique)/ Faux Leather Jacket (purchased- Marshall’s)/ Love a Little Lace Boot Socks in Mustard (purchased- Flourish Boutique)

stripes + belt + utility jacket + rolled jeans + booties

H&M Black & White Striped Top (owned- Goodwill)/ Seven Skinny Jeans (owned- Flourish Boutique)/ Brown Belt (owned- Maurices)/ Eyewear (Coastal)/ Black Suede Booties (Madden Girl- DSW Shoes)/ Utility Vest (owned- Groopdealz)/

green loose cardigan + black dress + tassel necklace + burgundy tights + camel colored booties

Forest Fairy Cardigan (owned- Flourish Boutique)/ Little Black Dress (owned- Flourish Boutique)/ Burgundy Tights (owned- Target)/ Tassel Necklace (owned- Groopdealz)/Leopard Print Belt (owned- Target)/ Camel Suede Booties (Madden Girl- DSW Shoes)

3 Things YOU Loved This Week (you, lover of MomAdvice things, you!)

Homemade Playdough Recipe

14 Free Home Management Binder Printables

Make-Ahead Thanksgiving Recipe Series

Giveaway

Enter below to win one pair of glasses from Coastal’s Exclusive Collection of frames. One lucky winner will receive a free pair of glasses. This giveaway ends on October 31st! Happy browsing!!

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