Oh You Fancy Huh?

Oh You Fancy Huh?

I’m the Girl with the champagne taste on a beer budget and I’m not afraid to admit it. ;)

I remember back in the day, I would do ridiculous things like go shopping on my one hour work lunch break, buy a fancy designer purse and then with 5 minutes left before having to go back to work I would stop by a fast-food joint and buy something from their value menu because I had spent all my money (and more) on one purse. But what a lovely purse it would be! You would have thought that I must have felt buyer’s remorse on numerous occasions but to be perfectly honest (which I always am to my readers!) I rarely felt regretful about my unaffordable purchases. True words spoken by a former shopaholic…

Nowadays I’m so obsessed with paying off debt that I never buy anything, but when I do, I make sure I have enough money for some of my fancy preferences. If I don’t have the money for it. I won’t buy it. Gone, are the days of buying on credit and financing my lifestyle.

Here is a list of my “champagne” tastes that I manage to fit into a tight “beer” budget!

  • I don’t drink Starbucks regular coffee. I am that Girl with the fancy latte.
  • I like Tiffany jewellery.
  • My shampoo/haircut/blowdry/style costs more than $50.
  • I am an “iGirl” with her fair share of iThings.
  • I still like designer purses. :P

I pinky-promise I’m frugal about everything else!

What are some of your champagne tastes?

GMD Disclaimer: This post was only meant to be cheeky and fun and although it was 100% truthful I don’t recommend these champagne tastes while paying off debt. :)

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70 Comments on Oh You Fancy Huh?

  1. Dear DebtNo Gravatar
    January 9, 2014 at 10:31 pm (3 months ago)

    That’s hilarious about the designer purse and then going to fast food, lol! I’ve done similar things where I might spend a bunch of money on going out to eat, then skimp on something else that is necessary. I like a fancy, well crafted cocktail from time to time. I spent $15 on one in NYC (which I can still hardly believe). I also like nice skincare products for my face as I have sensitive skin. I also like fancy coffee drinks, but I only ended up having 6 holiday themed drinks this past season (good for my budget, sad for me).

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 10:16 am (3 months ago)

      Spending all my money on one designer purse and then having to eat value menu fast-food is so sad it’s funny. Funny sad. Luckily I have smartened up with my finances aside from some champagne tastes I can’t get rid of. ;)

      Reply
  2. Hayley @ A Disease Called DebtNo Gravatar
    January 9, 2014 at 11:22 pm (3 months ago)

    I would love to own a piece of Tiffany jewellery. :) I’m a Pandora jewellery fan – I have this charm bracelet and might just get a charm to add to it at Birthdays and Christmas if I’m lucky! It’s taking a long time to fill the bracelet but I don’t mind!

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 10:20 am (3 months ago)

      I have a few Tiffany pieces but even just one would make me happy too. I know they are overpriced but they really are classic, beautiful jewelry.

      Reply
  3. CassieNo Gravatar
    January 10, 2014 at 1:39 am (3 months ago)

    I’m just going to have to say all of the above. And European cheeses. And macarons. And expensive shoes. Oh, and add designer coats to the designer bags. Ah heck, I like designer clothes too…

    It’s a good thing I don’t expect others to finance those whims for me, because my fiancee would have kicked me to the curb long ago if I did! Well, maybe just the cheese and macarons ;)

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 10:23 am (3 months ago)

      I’m a lucky Girl in that J will buy me some of my champagne likings for special occasions. He’s a keeper. :)

      Reply
  4. iouNo Gravatar
    January 10, 2014 at 3:59 am (3 months ago)

    I have had my fair share of terrible haircuts, so I tend to splurge when it comes to my hair. Before I started paying back my debt I had FINALLY found an excellent hair stylist. Unfortunately (or fortunately depends how you look at it), he was a senior stylist at one of the stop salons in the city. My haircut costs around $90 with tip and I go four times a year.

    If I were to stop getting haircuts while paying off my debt, I calculate that I would shave a month and a half off my debt repayment timeline. To me, looking presentable and feeling confident is worth that month and a half, and so I splurge!

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 11:13 am (3 months ago)

      I used to get expensive blonde highlights but that was one of the first things to go once I got serious about paying down debt. My haircut is now $70 including tip but since I am growing my hair out for the wedding, I only go twice a year instead of my usual 4. I agree that looking/feeling good is priceless.

      Reply
  5. BeeDebtFreeNo Gravatar
    January 10, 2014 at 4:22 am (3 months ago)

    What I manage to fit in…
    ~the occasional designer purse (I just bought my most recent from a resale store so it was a really good deal)
    ~haircuts (I LOVE my hair stylist and am not giving her up)

    I could probably think of others but it’s early :)

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 11:15 am (3 months ago)

      I can’t give up my hair stylist either. It took me too damn long to find her! And she understands how OCD picky I am about my hair. :)

      Reply
  6. MichelleNo Gravatar
    January 10, 2014 at 4:47 am (3 months ago)

    Ah, I love Tiffany’s too. Hopefully at the end of my fashion cleanse no spend, once my debt is paid, my reward will be a sterling silver ring from Tiffany’s. I’m a designer purse girl too and luxury travel has to be my biggest weakness – hotels moreso, I never fly first class.

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 11:21 am (3 months ago)

      I have a Tiffany necklace, 2 bracelets, and one pair of earrings. No ring yet though. ;)

      Reply
  7. Holly@ClubThriftyNo Gravatar
    January 10, 2014 at 4:58 am (3 months ago)

    I used to buy ridiculous things with no remorse in my 20′s as well. Ugh! I wish I could have back all of the money I wasted!!!!! =/

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 11:22 am (3 months ago)

      If I could have back the money I wasted I would at least be $100k richer! :(

      Reply
  8. Rebecca @ Stapler ConfessionsNo Gravatar
    January 10, 2014 at 5:13 am (3 months ago)

    Haha! Thanks for coming clean!

    As for my champagne tastes … my haircut costs about $70 (but I only go 3 times a year) and I splurged on a Waterford crystal ornament this year (but I got it after Christmas at 50% off, and used a coupon!). I’ll admit, I told my now-husband that I wanted a Tiffany engagement ring. Thankfully, he didn’t listen and got one he could afford instead!

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 11:24 am (3 months ago)

      I told J I wanted a Tiffany engagement ring as well. He said NEVER. We reached a happy compromised and I love my engagement ring, Tiffany or not. ;)

      Reply
  9. Laurie @thefrugalfarmerNo Gravatar
    January 10, 2014 at 6:00 am (3 months ago)

    We’ve gotten so heavily into our beer budget that I just can’t bring myself to break it!! I was going to go and get my $150 highlights and haircut this year, because dammit, I deserve it, but when it came right down to it, I just couldn’t go through with it. I couldn’t even go through with the $70 beauty school highlights and haircut! But, for us, I think this is a good thing. We’re kind of liking our beer budget right now. :-)

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:04 pm (3 months ago)

      Awwww Laurie, you didn’t get your blonde highlights? Well as long as you guys are happy with your beer budget then I am happy for you. :)

      Reply
  10. Done by FortyNo Gravatar
    January 10, 2014 at 6:43 am (3 months ago)

    I have a weakness for fancy hiking gear, as well as fancy beer. (Champagne beer?) I figure that once you’ve hit your savings goals though, the things you choose to spend your money on are pretty arbitrary. Go get the fancy purse or the Tiffany bracelet, if that’s your thing. Being able to responsibly splurge is probably more important in the world of nutty PF bloggers, than the ability to save.

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:07 pm (3 months ago)

      YES to fancy beer! :P Responsibly splurge is something I’ve nailed to almost perfection last year.

      Reply
  11. MorgaineNo Gravatar
    January 10, 2014 at 7:31 am (3 months ago)

    I would say my only real splurge now is going to the spa to get a message. Taking a bath just isn’t the same thing. Luckily most of the cost is covered my health insurance through my work :)

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:09 pm (3 months ago)

      I have massages covered through my work too but it’s never been anything that interested me, I don’t know why?! Especially since I like being pampered!

      Reply
  12. Tonya@Budget and the BeachNo Gravatar
    January 10, 2014 at 8:07 am (3 months ago)

    I probably have champagne taste with groceries. I buy whatever I want regardless if it is on sale or not. I don’t want to eat cheap, crappy food. I also live in an expensive area by myself. I’m sure if I was Ms. Frugal 2014 I would live in a cheap, shitty area with a roommate, but I don’t want to give up this location.

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:11 pm (3 months ago)

      I don’t think I’m in the running for Ms. Frugal 2014 either. ;)

      Reply
  13. annaNo Gravatar
    January 10, 2014 at 8:33 am (3 months ago)

    Lol, even with my beer budget, I like craft beer, which can be expensive! I *love* nice jeans, travel (the airfare is the main culprit), and the occasional designer purse. Is Tiffany Blue going to be a wedding color? ;)

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:16 pm (3 months ago)

      J likes craft beer too! I think I’m too fancy for beer LOL. :P How did you know I wanted Tiffany Blue as one of my wedding colors? ;)

      Reply
  14. Shannon @ Financially BlondeNo Gravatar
    January 10, 2014 at 8:42 am (3 months ago)

    I have definitely had to cut back a number of my champagne tastes once I had my son and had college to save for, but I like a good gin martini on Friday night and I refuse to drink anything but Hendrick\’s. But I balance that out by not having too many.

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:18 pm (3 months ago)

      I think having kids would definitely put a damper on some of my champagne tastes. :P

      Reply
  15. BrianNo Gravatar
    January 10, 2014 at 9:15 am (3 months ago)

    Do running shoes count? I’ll shell out a large sum of cash for really good running shoes.

    I also like nice wine. The good news is that there are many great wines at all sorts of price points!

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:19 pm (3 months ago)

      Running shoes do count Brian! I’m lucky that my wine, if you can even call it wine, is this cheap $6 blackberry wine you can find in the coolers section haha.

      Reply
  16. GinaNo Gravatar
    January 10, 2014 at 9:24 am (3 months ago)

    Haha I love this! One of my champagne tastes involves my hair. I will not cut costs when it comes to getting my hair done. I like the fancy salons! I’ve tried dying my hair from a box before and going to Supercuts, but it’s just not the same!

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:21 pm (3 months ago)

      After having too many “want to hide in the house forever” because of terrible box hair dye jobs, I will only color my hair at salons too. Right now, I’m letting my natural hair color shine through while I pay down debt.

      Reply
  17. Shannon @ The Heavy PurseNo Gravatar
    January 10, 2014 at 10:15 am (3 months ago)

    LOL! I’m with you on what I like to spend my money on, except Starbucks. I am more of a tea drinker, particularly those fancy teas. :) The other things I spend money on are quality running shoes and workout clothes (not just too look cute … okay, a little bit cute but chaffing really does hurt!), organic food and traveling. And you know how I feel about a champagne lifestyle – enjoy it as long as you can afford it, which is exactly what you’re doing now.

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:23 pm (3 months ago)

      I love lululemon work out clothes! Now I just need to learn to love working out! :P

      Reply
  18. Alicia @ Financial DiffractionNo Gravatar
    January 10, 2014 at 10:23 am (3 months ago)

    I have definitely said this expression before, but now that I see your list… I’m not sure it suits me. Definitely not your examples at least :)

    - I love regular coffee. I don’t need fancy-schmancy lattes.
    - Never been to a Tiffany’s.
    - My haircut/shampoo/blowdry/highlights/eyebrows are $120 (including tip).
    - I have an iPad.
    - I own a Fossil purse, but it was only $200 and I’ve used it daily for two years :)

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:26 pm (3 months ago)

      Haircut/shampoo/blowdry/highlights/eyebrows for $120 (including tip) is a sweet deal! The thing about designer purses is I take great care of them and they are all in great shape even after years of wearing them every single day. Kinda like an investment I say. ;)

      Reply
  19. MichelleNo Gravatar
    January 10, 2014 at 12:04 pm (3 months ago)

    Luckily, I have found an affordable hair stylist, who is really affordable. Before, I would spend hundreds on my hair because I could never find someone who was good and cheap.

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:27 pm (3 months ago)

      I shudder thinking of the hundreds of dollars I wasted, tears I cried from bad haircuts trying to find my perfect stylist!

      Reply
  20. Grayson @ Debt RoundupNo Gravatar
    January 10, 2014 at 12:08 pm (3 months ago)

    Well, you know that I don’t buy fancy purses, but I don’t skimp on items when it comes to my cars. I like them and want to buy them nice things ;)

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:28 pm (3 months ago)

      You need quality car parts for a nice car!

      Reply
  21. Amanda @ Passionately Simple LifeNo Gravatar
    January 10, 2014 at 12:25 pm (3 months ago)

    I love purses, but they tend to fall into the medium price range, so that I don’t feel too bad, but know that it’s not a cheap thing that will fall apart from everyday wear and tear. For me, it’s about eating well and making sure the food I eat is good quality. My hair care can get expensive, but I offset it by taking really good care of it between salon visits. So $120 every few months really is not all that bad.

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:29 pm (3 months ago)

      I try to take really good care of my hair in-between hair salon visits as well. It’s difficult because I do wash and blow-dry it everyday. Yikes!

      Reply
  22. Michelle @fitisthenewpoorNo Gravatar
    January 10, 2014 at 1:11 pm (3 months ago)

    I like to go out frequently. Not anywhere too extravagant, but I like to try new restaurants and spend at least $40 a person. I also just like champagne!

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 1:30 pm (3 months ago)

      Nothing wrong with that!

      Reply
  23. JanineNo Gravatar
    January 10, 2014 at 1:53 pm (3 months ago)

    I’m definitely with you on the Tiffany’s jewellery, as well as links of london. I have expensive taste when it comes to dresses as well and starbucks for sure!

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 2:11 pm (3 months ago)

      Links of London? Haven’t heard of them. I should check it out. On second thought. Maybe I should resist since I already have a few too many champagne tastes. :P

      Reply
  24. DanielleNo Gravatar
    January 10, 2014 at 2:05 pm (3 months ago)

    I’m with you on the hair thing. It’s nearly impossible to find a decent wash/cut/style for less than $50 here. I go to a STUDENT SALON and it’s still $45…and usually 2 hours -_-;

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 2:12 pm (3 months ago)

      I’ve thought about student salons but my ADHD won’t let me sit still for that long!

      Reply
  25. Summer BlessingNo Gravatar
    January 10, 2014 at 3:19 pm (3 months ago)

    I also pay crazy amounts for my hair stylist! But as you said, it took me so long to find her, I can’t give her up! In fact, I have followed her twice when she started working at various places, one time driving about 50+ miles. She is the only person I will let touch these locks!
    But I also have a horrible habit of encouraging my 8 year old daughter’s “Monster-High doll” fetish. Last time we counted, she had 160 dolls, and everytime they create a new one, I buy it. I should stop, but I don’t want her to feel left out now that she has a new brother.

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 3:27 pm (3 months ago)

      I actually moved to a different city (luckily it’s close by!) but still go to the same hair stylist because she is amazing and will often give me complimentary deep conditions if my hair is in bad shape.
      I had to google to find out what “monster-high dolls” were and although they are super cute, I think 160 is more than enough Summer but personal finance is personal so spend your money as you please. :)

      Reply
  26. DebbyNo Gravatar
    January 10, 2014 at 5:24 pm (3 months ago)

    I still fancy designer labels… I often sigh dramatically walking by Manhattan’s fancy windows. lol.
    I have a weakness for Lululemon. Their work out gear is so fancy. But I stretch and bend and run as good in my Old Navy shorts, though :)

    Reply
    • GMDNo Gravatar
      January 10, 2014 at 6:22 pm (3 months ago)

      I’m echoing your dramatic sigh here on the West Coast Debby! ;)

      Reply
  27. DayleNo Gravatar
    January 11, 2014 at 4:38 am (3 months ago)

    Mine would be:
    - semi-designer purses (I love Coach) …but I buy less than one a year and I find them really good quality
    - hair appointments 3-4 times a year to the tune of $150 each
    - Lululemon and Under Armour workout clothes …also great quality, imo
    - I buy expensive running shoes, probably one pair a year at $175
    - I buy a lot of books, and they add up!
    - and finally, I love greek yogurt and eat it every day :) lol

    Dayle

    Reply
    • GMDNo Gravatar
      January 11, 2014 at 9:48 am (3 months ago)

      I’m more of a Michael Kors and Rebecca Minkoff Girl myself but I really do think these semi-deisgner purses if well taken care of last for ages! Greek yogurt is definitely more expensive but it’s so healthy and tasty therefor “worth it” in my eyes. ;)

      Reply
  28. save. spend. splurge.No Gravatar
    January 11, 2014 at 7:04 am (3 months ago)

    You do or you don’t drink Starbucks? It’s pretty expensive.

    For me it’s similar:

    - Starbucks
    - Really high quality / high end clothing (designer or not, I care less about the label and more about the fabric / cut / construction)
    - Good food.. really good food
    - Electronics (I own a Macbook Pro 17″, Macbook Air 13″, Macbook Air 11″, countless external hard drives, iPod… you get the idea)

    Reply
    • GMDNo Gravatar
      January 11, 2014 at 9:50 am (3 months ago)

      I do drink Starbucks. I just can’t drink their regular coffee since I’m an espresso Girl. ;)

      I love how you are a high end minimalist! :)

      Reply
  29. kat.No Gravatar
    January 11, 2014 at 8:33 am (3 months ago)

    i get regular blow-outs (i know, i know! it’s shudder-inducing). my hair is really long, thick and curly so i justify the blow-outs…especially since we’re renting and the water at our complex is kind of hard, it’s damaging to my hair so i try to reduce the damage with blow-outs.

    let’s see, what else! i’m also a starbucks latte kind of girl, still buy very expensive designer bags (i keep it to one a year!), designer clothes, leather boots, lots of books and nice candles. suffice it to say, i don’t shop a lot now that we’re trying to pay off our student loans early!

    but like you said, personal finance is personal! thank goodness ;)

    Reply
    • GMDNo Gravatar
      January 11, 2014 at 9:52 am (3 months ago)

      We sound like we could be BFFs Kat! ;)

      Reply
  30. Erin @ Grad Money MattersNo Gravatar
    January 11, 2014 at 7:43 pm (3 months ago)

    Hmm…I buy name brand when it comes to clothing, and I’m partial to mid-priced stores like J.Crew, BR, etc. But since my frugal kick started, I never pay retail, nor do I buy a lot of clothing. I guess the biggest one for me would be food. I spend a lot on food and I go out to eat regularly.

    Reply
    • GMDNo Gravatar
      January 12, 2014 at 7:31 am (3 months ago)

      Even with my champagne tastes, I never pay retail price for them either. That’s why I LOVE Nordstrom Rack! :)

      Reply
  31. Cat Alford (@BudgetBlonde)No Gravatar
    January 12, 2014 at 11:17 am (3 months ago)

    Yeah…. my diaper bag might or might not be Kate Spade….. Black Friday sale though! ;)

    Reply
  32. MichelleNo Gravatar
    January 12, 2014 at 11:40 am (3 months ago)

    No judgement for me!! I absolutely have champaign tastes :)

    Reply
    • GMDNo Gravatar
      January 12, 2014 at 3:30 pm (3 months ago)

      Thanks Michelle. :)

      Reply
  33. Michelle's Finance JournalNo Gravatar
    January 15, 2014 at 7:23 am (3 months ago)

    Although I like designer things, I don’t really know much about it since I don’t look into it. I know I can’t afford it, so I don’t even look at it. It’s just easier for me to not know. A few weeks ago, I saw a new bracelet my friend was wearing and I commented that it was gorgeous. She told me her hubby bought it for her for their 4 year wedding anniversary. I didn’t think much of it until I looked into it. It was a Cartier bracelet that was $4500.00. Wow~ I have to budget and think and think again before I buy a Swarovski jewelry. But then again, their combined income is twice as much as us with less debt.

    Reply
    • GMDNo Gravatar
      January 15, 2014 at 9:46 am (3 months ago)

      Wow. $4500 for a bracelet. I’m glad I’m not that fancy. ;)

      Reply
  34. Lisa E. @ Lisa Vs. The LoansNo Gravatar
    January 15, 2014 at 11:47 am (3 months ago)

    First of all, now that song is stuck in my head!
    As far as champagne tastes, I love indulging in massages and mani-pedi’s! I also am lusting over some Christian Louboutins, but haven’t bought myself a pair quite yet.

    Reply
    • GMDNo Gravatar
      January 15, 2014 at 3:31 pm (3 months ago)

      You are the ONLY one who “got” my Drake reference Lisa. Thank you. ;)

      Reply

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