Is it Vintage or is it Second Hand?

img_3748

These days second hand clothes are not always a bargain. The vintage label seems to come with a hefty price tag. Since when have hand-me-downs and cast-offs become ‘vintage’? Is there any real difference? Today I am going to explore this further, with the help of a new series on BBC Radio 4 – From Rags to Riches.

Second-hand is no longer seen as the poor man’s choice and is becoming quite mainstream, with the rise of the likes of eBay. People who bought vintage clothes up until  the Millennium tended to buy only the rarer or more collectible pieces. In more recent times, there has been a real shift and almost anything goes, so long as it is a unique one-off or fits current trends, but without the large price tag of buying new. But with this sweeping change, should we be concerned about true vintage items dying out? This seems likely with the rise in poor quality, fast fashion pieces which are not made to last or even cut well in the first place. I cannot see them enduring in the same way, as items from 40+ years ago.

I have mentioned in a previous post about the history of the garment trade. But what is vintage? Is it simply a garment that is too old, for you to have worn the first time round, in your lifetime? Or is vintage about having a connection with the past? Sometimes people have the luxury of knowing a garment’s original story. But often they are bought anonymously, in a shop or online. I know that I am attracted to clothes from certain eras. I particularly love a lot of the styles that were around in the 1970s, the decade just before I was born. But I can’t really explain why that should be so, it’s probably just personal preference. There certainly seems to have been a lot more meaning attached to certain types of clothing in the past; like flapper dresses, the ‘new look’, mods and rockers or teddy boys, are just a few examples. I am certain that the rise of the term ‘vintage’ has concurred with the rise of the internet and various online marketplaces. Perhaps this is because search engines rely on people searches for certain labels or definitions?

Vintage fashion is quite possibly a counter-cultural movement, a reaction to the fast fashion of the high street. Around the turn of the Millennium,  vintage began to step outside the wardrobes of Punks and students and onto the red carpet. It even found its way onto the pages of high fashion magazines, starting with British Vogue in May 2003. Perhaps some people still adhere too strongly to labels, even when buying second hand. Certainly some people may only buy second hand designer labels. Others may stick to labels that they know suit them, or they like the style of and there’s nothing wrong with that! Still others will actually just like to purchase something second hand, from your common charity shop and just enjoy wearing something that they love, that no-one else has.

So perhaps now, buying vintage or second hand is not an alternative lifestyle choice and has become mainstream in itself? It seems to me that the label vintage is simply applied to any garment over 20 years old, in order to inflate the price artificially. Although I admit that some people have an eye for finding the nicer pieces and perhaps this curation is worth paying a bit extra for. But I love the thrill of the chase. I certainly think there is good vintage and bad vintage, but again perhaps that is a matter of perception. This modern fashion concept called ‘vintage’ just rebrands everything in the same way, whether it’s a Regency gown or a pair of 1990s Adidas Gazelle’s. That is an unhelpful paradox to create.

Certainly, if you head into any fashion design studio what you will find are rails of old clothes (or shall we call them ‘vintage’ darling?) As my Grandad used to tell me, there is nothing new in this world and he always swore that if he kept clothes long enough, they’d be back in fashion again. Not that he truly cared about that, it was just an excuse to never go shopping, well except at jumble sales. (See where I get my love of second hand from – ha!) Anyway, the point is that designers use them as reference points for the ‘new’ trends that they create – whether it’s copying a button, a hem-line, a frill or a motif.

Vintage carries a prestige now because you have the garment and no-one else can. I suppose when people made their own clothes, there was far less likelihood of someone else wearing the same thing, as you chose the material, the pattern and cut it to fit you. Whereas nowadays there is a real fear of turning up in the same thing as someone else, at least for some people. But clearly, the word ‘vintage’ means different things to different people. I still prefer the rummage at the charity shop, along with the generally acceptable price tag. Although even some of them are now offering vintage boutiques, with prices to match! You just have to remember to check the condition of the items, as I often find that they don’t check and have been left with an imperfect, or sometimes unwearable item due to staining.

If you’ve enjoyed my blog post today, you will enjoy listening to the Rags to Riches podcast.

Swagbucks May Referral Promotion – 500 SB Bonus!

It’s May, the flowers are here and Swagbucks has a bonus in the form of a 500 SB bonus ! Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Starbucks, or PayPal cash.

When you sign up through me this month, you can earn a 500 SB bonus! Here’s how:                              1. Sign up using this link

2. Earn 300 SB total before 1/6/17. You’ll get a 300 SB bonus for it!

3. If you spend at least £25 through Swagbucks Shop* you’ll get another 200 SB bonus on top of the cash back you’ll get from shopping. If you have some shopping to do online, just go to Swagbucks first and visit the store through them. It doesn’t cost you anything extra, but you’ll get SB points for every dollar you spend (on top of the bonus)!

That’s it. It’s super easy, and Swagbucks is for real. I use it myself, and I’ve earned almost £2,000 to date since I joined. It helps me to pay for everything from everyday items to presents for special occasions.

*You must receive your shopping SB before 1 June

Are you a Home Bargains shopper?

fullsizeoutput_463

No? You should be! My shopping habits have been revolutionised since they opened up a store near me. They sell everything from stationary, to groceries, toiletries, toys, cleaning products, hardware, home furnishings, pets and more!

One of regular purchases here is 4 packs of John West tuna chunks. They sell 3 varieties – in brine, in sunflower oil and in spring water. All are £2.79 for a 4 pack, that’s 67p per tin! The next cheapest I could buy is an economy, supermarket brand at around 80p per tin, although the price has come down recently and you can buy Asda Smartprice or Tesco Value for 65p per tin. However I don’t think the quality compares, as economy brands are usually grey mush and barely resemble a tuna steak. I rarely see John West for less than £4 in the supermarkets. The tuna is pink and meaty, definitely top quality!

I use a lot of mailing bags and tissue paper for sending eBay items. I used to buy my mailing bags at Wilko, as I found them the cheapest. Their A4 mailer bags x5 are £1.50 are and A3 x5 are £1.75. The same at Home Bargains are 49p for 6x A4 and 89p for 6x A3. They sell 10 large sheets of tissue paper in a rainbow of colours for 49p, the next cheapest I can find is at a local bargain store for 99p. There’s just no contest is there? You can see how the savings start to add up!

I regularly buy sweets and chocolate here, as they are so much cheaper than the High Street. They have a HUGE range! I also love my oatcakes and I can buy them for 65p per box here. Compare that even to Poundland, where surprise, surprise – they cost £1 a box! They have a huge range of cheap biscuits and top brands too. As someone who eats a gluten-free diet, I often spy gluten-free items in Home Bargains at a mere fraction of the supermarket cost. A while back they were selling Nutribix for 79p a box! They cost £3.79 a box in the supermarkets- they had a slightly shorter best before date of 1-2 months, but what does that matter when you’re going to eat it soon anyway?

I buy some of my toiletries here too, dental products are much cheaper than the high street and I always pick up big name toothpaste for £1 a tube, like Colgate, Sensodyne or Arm & Hammer. They often have bumper sized packs going for this price too.

Do you use Cif cream cleaner? They sell it here for £1 a bottle. You might find it for £2 in the supermarkets if you’re lucky and occasionally £1.50 a bottle at Wilko. But other than grabbing it from time to time, in Poundland – you won’t find it regularly, this cheap. They also sell Dri-Pak Soda Crystals at 65p for 1.5kg which is way cheaper than £1 a bag at Wilko. These have so many household uses and I’d never be without a bag.

In the pet section today, they had pet carriers for £20 and scratching towers for the same price. They are always cheaper for treats here, like Weebox sticks at 79p per pack, next cheapest is 99p in the supermarkets or Wilko.

I regularly pick up Sequin Art kits here for £6-£7 instead of the £15-£18 they are full price. I have had lovely hardback Disney notebooks for £1-£2. If you check out http://www.moneysavingexpert.com and look on the ‘Quick Grabbit’ forums, you will find a Home Bargains thread where members post the hottest deals. But I want to encourage you to go there anyway for your everyday basic items because they are much, much cheaper! Oh and be sure to come back and tell me what you’ve found 🙂

Swag Wars Team Challenge – Swagbucks

A long time ago, in a galaxy far, far away, Swagbucks had a fun team challenge to help you earn SB from Swagbucks!

For those of you who don’t know what Swagbucks is, it’s a website where you can earn cash back on everyday tasks you do online like shopping, answering surveys, discovering deals, and watching videos. You can even earn for searching the web!

If you’ve never tried Swagbucks before because you didn’t know where to begin, their Team Challenges are a great way to learn the ropes! Their latest, the “Swag Wars” Team Challenge, begins today Monday, 1 May!

Here’s how you can join the challenge and the site:

1. Click here to join the challenge and be assigned to a team. Pre-registration is going on right now! If you don’t already have an account, you can sign up on this page as well.

2. Starting 5th May at 3pm GMT, in addition to earning SB you’ll contribute points to your teams total as you complete different activities on Swagbucks.

3. Check back on the page often to see the scores and what you’ve contribute so far.   All members who participate and contribute at least 400 points to their team’s total will receive a SB bonus in the form of a SB Swag Up Rebate on their next gift card! Not only that, but if you earn 300 SB before 1st June, you’ll get a 300 SB bonus (as long as you’ve signed up under me)!

Members of the 1st place team will receive a 50 SB Swag Up Rebate, members of the 2nd place team will receive a 35 SB Swag Up Rebate, members of the 3rd place team will receive a 20 SB Swag Up Rebate, members of the 4th place team will receive a 10 SB Swag Up Rebate, and members of the 5th place team will receive a 5 SB Swag Up Rebate. Your SB Swag Up Rebate will be made available on Friday, 5th May and will expire on Wednesday, 31st May at 7:59am GMT.

May the Force be with you!

Things That Have Gone This Week – 6

Here we are, week 6 and the clear out continues! I took 2 of those massive charity plastic sacks to a charity shop this week- they contained yet more clothing, from both me and my OH. Plus board games, footwear and a whole stack of books. These were all things I hadn’t been able to sell, so I hope the charity shop will have more luck than me! I also took another big plastic sack of clothing that was too worn to a textile recycling bank. I had been planning to hold onto it for rags etc, but at the end of the day there was more than I was ever going to re-use and we don’t have the space to keep it all for years. I understand that it can be recycled into padding for car seats and the like.

Add to all this the 8 items I sold on eBay this week and I’d say it’s been a pretty good week 🙂 I got £92.45 for this little lot which I am pleased enough with, for stuff I don’t want the responsibility for anymore. This is the net figure, not minus postage etc but it’s still pretty good. I didn’t buy any of these items new and I ended up in profit on most of them.

  1. 2 sacks to charity
  2. 1 sack to textile recycling
  3. Turquoise Monsoon Skirt
  4. Vintage Laura Ashley Velvet Ballgown
  5. Vintage Laura Ashley maxi skirt
  6. Laura Ashley shirt dress
  7. Clarks Silver Ballet Flats
  8. Tu Pink Dress
  9. Juicy Couture Jeans
  10. Ice Skates

Another 2 items have bids on them too, so they’ll be included next week. But this was probably my best week so far for getting rid of stuff! Are you decluttering? If so, how’s it going?

The Truth about Frugalwoods and other US ‘Financial Independence’ Blogs

If you are like me, you read a number of financial independence blogs for inspiration. I admit to reading the occasional bit of Frugalwoods or Mr Money Mustache. However, the more I have read the more I have pondered whether these US blogs can bear any relevance to UK readers hoping to achieve financial independence? Today, I hope to uncover more of the truth about this for my UK readers. This is as much to put my mind at rest, as yours.

Frugalwoods say that they own a large detached homestead with land in excess of 20 acres The only equivalent I could see here in the UK is buying a VERY large country property or ex-farm, with a lot of land. I’ll plump for the farm option, as they state they have outbuildings (from their photos it is a very large barn, the size of 2-3 massive houses here in the UK), as well as woods and more. From their photos, I would estimate the main residence to be twice the size of a large UK house, although that is not unusual by US-standards. Actually here is their run down:

Frugalwoods Homestead Specs:

  • 66 acres of primarily wooded land in central Vermont, 35 minutes from Hanover, New Hampshire (where Dartmouth College and every attribute of the ‘big city’ are located)
  • A 4 bed, 2.5 bath, 2,300 square foot house, built in 1991, with two woodstoves
  • An 1,800 square foot barn/shop with a woodstove
  • One pond
  • Many streams
  • Countless apple trees, several plum trees, and a forest of sugar maples
  • Two acres of cleared “yard” with extensive garden beds

They paid $389,000 for their homestead which equates to £300,000. So now you start to see how these US financial independence blogs are laughable here in the UK. I mean, no-one but a multi-millionaire would own a piece of property that large over here! And you’d be lucky to get a normal 3-bedroom, semi-detached house where I live, on a tiny plot of land. I doubt that would even buy you a studio flat in London. They would have put around £97,000 down as a deposit.

They also have a rental property in a US City, which they paid $466,500 for and that equates to approx £360,000. They only put a £50,000 deposit down on it. So, now we’re looking at that owning around £660,000 of property but none of it is full paid for. They have 30-year mortgages (the norm is 25 years here in the UK). They are in their mid-thirties, so they’re looking at carrying that debt until they are 75. I wouldn’t want that noose around my neck until well into retirement!

You can read the reality is then that they worked solidly from University to their mid-thirties to be able to put £147,000 cash on houses. I’m not knocking that, but I expect most people in the UK would be able to sock that away as a deposit too, if they had the luxury of a well-paid job. 20 years of  2 people working full-time and saving 65% of their income, means they were only saving £7,350 a year. That’s as little as £3,675 per person. Undoubtedly achievable here, if not more- it’s just that you would never be able to buy a home or retire on that here!

The truth is that both of these properties still belong to the bank and they’re only a few years into the mortgages on each. If anything happened to prevent them from keeping up payments, they could lose both in a very short period. For example, if they couldn’t get tenants for their city house – one wonders if they would be able to cover the mortgage? They also only keep around 6 months worth of liquid cash which is a very small amount. The rest of their ‘net worth’ they have ploughed into stocks and shares. Whilst it is all very nice to base your ‘net worth’ on what the current selling price of the shares is, it’s all pie in the sky really. In 10 years the value of what they have put away could halve or worse. They are basing their ‘net worth’ on a projected rate of return of 7%, but the reality again is that if anything happened to the stock market (which I think is very likely given the volatility of world markets lately) they could lose a significant proportion of their money or the whole lot! They won’t even have the properties they live in to sell because they don’t own them. I bet you would then find they have stopped blogging and had to go back to work. Probably renting somewhere and lamenting their former choices, except they wouldn’t blog about that!

In actual fact, I think they are quite dangerous examples of how to live. Unless you like an extreme level of risk. I wrote this because I don’t want UK people to compare themselves to some unrealistic ideal. Unless you are planning to move to America, then you’d better expect to be working the rest of your life to pay off a small piece of modest UK property. I don’t think anyone lives under the illusion of early retirement here anymore! The best you used to hope for was retiring at 50, but certainly not 35!!!! You are better to pay off your mortgage before making too many other investments so that at least you have something solid that you own. I think it’s safer to pay into a pension, than invest all your money into stocks and shares.

It’s About Things That Wear In, Not Things That Wear Out.

1200px-Underground.svg

I’ve been watching a fabulous documentary series about the history of the London Underground. It’s called ‘Going Underground’ and it’s on Channel 5. I’ve long been a fan the London Underground. Since my Father and his parents hail from our fine capital city; I spent a significant portion of my time there growing up. I’ve always loved the architecture of the stations, the branding, the furniture – icons such as the subway tiles, the Underground Map and the whole ambience. My Father remembers when steam trains operated on the lines.

A man called Frank Peck re-designed Piccadilly Circus station in the 1920s. The whole ethos of his design was to create ‘flow’; a movement of people through the station. This had been sadly lacking in its Edwardian predecessor, with halting lifts and cramped ticket hall. He aimed to create a circular ticket hall, a bit like a roundabout to keep people moving. Something he later repeated in other Modernist stations he designed, such as Arnos Grove.

Within his design at Piccadilly, he chose to use elements like pillars to create a feeling of space, by giving the appearance of raising the ceiling. What really struck me was that he used materials such as brass for the pillars and ticket lobby, along with marble tiles on the walls. He wanted the station to reflect the area it was situated in (The West End), but more than this he wanted to use materials that wear in, not materials that wear out. You know that aged patina that can only come with the passage of time. I don’t see that as a faded glory, but I think it adds to something’s beauty or charm.

Even today, Piccadilly is at the back of the waiting list for refurbishment because it was built so well back in the days that it was felt it could survive the longest! That is a testament to buying once, is it not? I wonder if the same will be able to be said of today’s Underground in 100 years time? The trains that run on the line today are 1970s rolling stock and although the oldest, they are the most reliable trains on the Underground to day! Even these trains are based on an original 1930s design by guess who….Frank Pick! They were a simple design which also made them simple to repair and maintain.

Some lessons for us all on Simplicity and Minimalism from London’s own, iconic Underground! I would never have thought such secrets lay within and I can only hope that those who are taking it forward will learn from it, continuing to employ such common sense.1200px-Underground.svg