Showing posts with label advice. Show all posts
Showing posts with label advice. Show all posts

Tuesday, September 11, 2012

Secret To Make Cheap Shoes Look Expensive!

Some brilliant women found a way to get the red-soled Louboutin look for a fraction of the price and I'm gonna share the secret with you here! Along with a little musical (or Google) game called... Name That Musician...

So what is the secret?

Well, this site is about to let the cat out of the bag...

No, not this cat. This is my cat, Ingrid. She never goes into bags. She does however, walk on shower curtain rods which is slightly creepy, and still undeniably cool.

 OK. Here it is. The secret to making cheap shoes look expensive:


A $3 mini paint swatch bottle from the hardware store will do the trick.


What do you think of this new copycat trend? Why limit it to Louboutin red?


Tip: Try other colors!

Personally, I don’t prefer to copy Louboutin, but remember YSL has done it before too in a rainbow of shades. Why not emerald green, or electric blue on the bottom of your shoe? 

Neon colors are HUGE right now. 

You can purchase a cheap pair of shoes at a big box store or a second hand store and paint the soles any color you want! Add glitter to put an extra kick in your step!


Would you ever paint shoes to look more expensive? Would you use a different color or go for Louboutin's signature Chinese Red?

Sunday, September 9, 2012

How To Talk Your Way Out of A Late Fee



Eeek! I committed one of my very own Budget Breakers! (Insert embarrassed "oops" face here). With the stress of being sick, and moving to a new department at work (I get to work on itty bitty baby clothes! Yay!), I completely forgot about my electric bill until I did my budget yesterday and realized it hadn't posted yet. I thought, "Oh no! I got a dreaded late fee!"

 Can you hear the scary music and my thriller scream?

Fear not, I found a way to use my skills of persuasion to get the late fee removed and stop me from committing a Budget Breaker. I worked in a call center while I was at college, asking friends and family of Purdue to donate money to help improve the school. I learned a thing or two about "selling" and communicating ideas to encourage the other person to help you. I also learned what call center people hate to hear.

So without further ado...

How To Talk Your Way Out of A Late Fee

Here's what I did and here's how you can do it too:

Step 1: Schedule autopay.
After I saw the problem, the first thing I did was schedule autopay directly from my bank account on the service providers website. If you schedule autopay you will never have to pay another late fee (unless for some reason your bank account balance is negative). Nip that problem in the bud before it happens and you wont have to waste your time with steps 2 through 7 ever again.

Plus this gives you something to talk about in step 5.

If it is an option, you can also set up the autopay on the phone when you talk with the service provider.

Step 2: Call the service provider.
When you finally get through the automated system and find a button to press to get a live person, very carefully follow the next few steps.

Step 3: Be nice.
I know you are probably angry at this point from all the automated systems and the waiting. But remember there is another person on the other end of the line and they are just doing their job to put food on the table for their family. They have reasons of their own to be nicer to people who are nice to them. You'll understand this more when you get to step 7.

Tips from being a telemarketer:
 - Remember to smile while you talk. This sounds crazy and feels crazier but trust me. It makes you sound friendlier, which makes people more likely to like you and help you out.
 - No matter how upset you are about the late fee, remember that it was probably your fault.
 - Even if it wasn't your fault, it certainly wasn't the fault of the little guy on the other line answering phones who probably gets paid somewhere in the range of minimum wage for a job that is hard work. Being nice can be the difference between them rushing to get you off the phone, or taking the time to look into things and answer your questions to ultimately meet your goal of fee removal.


Step 4:  "Say my name, say my name..."
Beyonce knew what she was talking about when Destiny's Child wrote that song. It's a scientific fact that...

people like to hear their own names. 

So make sure to ask the company representative their name right away. Write it down. Throughout the conversation, whenever it is natural to say his or her name, make sure to do it- but only for positive things. If possible, do this a few times, especially to show gratitude when they help you with something.

"Great, that makes so much more sense after you explained it to me. Thank you,  (insert name you wrote down)!"
 
Step 5: Ask questions to build rapport.
Since you just set up your autopay, now you can ask questions about how it works. For instance:
 - "What day does the auto draft occur?"
 - "Can I set up the autodraft to be on a certain day?"
 - "If the autodraft is due on the 15th, does the payment post on the 15th or does it post before or after that date?"

Questions like this show engagement and will assure the representative that you are sincerely sorry for your blunder and want to make sure you get it right from now on.

**It is important not to skip step 5. Building rapport with the representative will softens them up for the big important question.**

Step 6: Save the late fee for the last question, unless they bring it up earlier.
After you've had all your other questions answered and have been really nice and thankful throughout the conversation, they will try to close with a final question. "Is there anything else I can help you with today?"

That's when you say, "Yes, (insert name you wrote down) I was wondering, could you waive the late fee for me just this once?" Or throw in casually "now that I think of it, (insert name you wrote down) would you by any chance be able to remove this late fee just this once? Now that I have autopay, I know it won't happen again."

Unless you are a repeat offender (tsk, tsk!), they will likely say, "Sure. I can remove this late fee as a one time courtesy for you."

Poof! 

Late Fee Vanished!

Budget Breaker Averted! 

Step 7: Close nicely and thankfully.
Phone representatives get scored on random phone calls. Help them get a better score for helping you out! After you write down the confirmation number, don't forget to say, 

"Thank you so much, (insert name you wrote down). You've been such a great help. I really appreciate it. That will be all and have a great day!"


Yes, it really works!

Click here to see a real Budget Breaker: Food Waste.

Have you ever gotten a late fee? What did you do?

Wednesday, August 29, 2012

Always Read The Fine Print + DIY Magnifying Glass Project

While reading my friends Facebook updates today I noticed one of those dear to my heart posted this:
“I wonder if there is such a thing as an honest realtor??? Found out today that we have to vacate our house on the day of closing instead of getting the 10 days we agreed to. I will never listen to anyone again who tells me.. “Just sign here, it’s like all the other addendums you’ve signed.”

Which brings me to my savings tips for today… always read the fine print, especially for anything relating to money changing hands. If you are signing a lease, read the fine print. If you are confirming a job offer, read the fine print. If you are submitting a rebate, read the fine print. Not only will this help ensure accuracy, it will help you make sure that everything you thought you were getting is what you are actually getting out of the deal.

It broke my heart to see something like this happen to someone I love, and it could have been prevented quite simply by reading the fine print.

Reading Takes Time:

If you can, take the paperwork home to review at your leisure. Ensure you read both your copy and the copy for the person with whom you are entering a contract, and that your copies are identical so there's no bait-and-switch going on.

Consider The Buddy System:

If you are aged, or have poor eyesight, always bring a trusted friend to read your paperwork to you or for you. If that is not possible, ask for the file to be sent digitally and use a text to voice program.

Try Your Hand At Sleuthing:

Use a magnifying glass. Not only will it help you read the fine print, it will make you look cool. Ok, maybe not, but it will be fun… While you are at it, wear a trench jacket and chew on a fat pretzel stick as if it is a cigar (sorry, no real cigars- lung cancer is expensive). You can find fake mustaches here, to complete the look.

DIY Magnifying Glass:

To really romanticize poor eyesight (you know you want to), make a cool yet affordable magnifying glass. Buy a cheap metal one and transform it with bake-able clay and some bronze colored paint.While the clay is soft, mold it to your liking. Add texture with fishnet, tulle, or a toothpick. After baking is complete, rub some green paint into the creases and wipe off for that antiqued look. Let dry.
Of course, if your eyesight is that bad, creating a custom made fine art magnifying glass is probably not at the top of your list… so humor me. I’m the humorous,Sherlock Holmes fangirl romantizing-poor-eyesight creative type.;)

***Nerd Warning*** 
(Mental image: Can you hear the sirens? Sorry, I watch too much sci-fi and I'm envisioning red flashing lights and an annoyingly repetitive beeping signalling something like a nuclear reactor preparing to blow or a ship full of aliens flying through a Stargate... please continue...)
This link will be useless to you if you have poor eyesight, but it's really cool if you have kids: Make your own water magnifier.

If that doesn't work for you, you can always request a digital copy to view zoomed in on your computer, them print at home to ensure it is the same thing you are signing.

Consult A Lawyer:

Is the legal-eze just above your head? Legal documents sometimes seem like they are purposefully written to confuse you. If you are low income and cannot afford a lawyer but have the need for one, consider visiting www.lawhelp.org or Google search “free legal advice.” Depending on your case, there may be professionals in your area willing to help for a small fee or pro- bono (volunteer).

Moral of the story: Don’t let yourself become the victim.
Have you ever had any issues understanding the legal paperwork of rebates or contracts?

Tuesday, August 28, 2012

How to Make Any Meal Look Fancy!

So I'll admit. I love to cook, but I'm no personal chef... With a background in art, at least I can kind of make it look like it! Whether it’s take-out, served last minute to friends, or a garnished 35 cents box of macaroni and cheese-  here are some key tips taken from discussions with my brilliant personal chef sister, Chef Melody...

Disclaimer: all of the photos of fancy food below were 100% home made. My brilliant sister reminded me she would "never, ever make boxed macaroni and cheese and garnish it," so there are, of course, no photos of macaroni below. Humor me and enjoy my side of dry italicized sisterly sarcasm. 

Here’s the secret: let the food take center stage:

Red and Yellow Tomato Salad by Chef Melody of  Order In With Me Photographed by Penny Weaver Frazier.
Treat your table as if it is a blank canvas. Each dish is a work of art. Presentation is key!

-Set the mood. 

S: Did anyone else hear some weird old man with a creepy deep voice saying that in your mind when you read it?
 
Beautiful lighting makes any meal look fancy. Create a low light setting with a darker room. Add soft light with candles or low watt bulbs, lampshades and curtains to dim the lights. Keep in mind that you can enhance mood lighting with reflective materials like mirrors or shiny vases.

- Invest in a pretty set of dishes

S: No, apparently pretty paper plates don't count. ;)
Molten Chocolate Cake by Chef Melody of  Order In With Me
Photographed by Penny Weaver Frazier.
Most upscale restaurants use plates that are white or black or at least a single neutral color.

- Serve smaller portions on large plates

S: as opposed to the American all-you-can-eat way of piling it as high as possible. You stop earning points for your mashed potato tower after graduating from college.
Seared Scallops by Chef Melody of  Order In With Me
Photographed by Penny Weaver Frazier.
The negative space makes the presentation look more appealing. It features the food.

- Serve each item separately, in courses

S: the way Martha would do it. "It's a good thing."
 Shrimp Scampi by Chef Melody of  Order In With Me
Photographed by Penny Weaver Frazier.
This allows your dinner guests the chance to focus on one set of flavors at a time and allows everyone to eat more slowly and savor the meal, without feeling the need to rush to the next course.

- Vary your colors.

S: You're S.O.L. if you're colorblind... vary textures?
Salad by Chef Melody of  Order In With Me Photographed by Penny Weaver Frazier.
If you absolutely must serve everything on one plate, make sure you have at least 3-4 different colors on the plate. A meal of macaroni and cheese, carrots, and orange juice is bright but boring! Mix it up as much as you can! Bonus: meals that vary in color supposedly have more balanced nutrition.

- Add decorative flourishes to semi home made meals.

S: OK, I'll admit it- this tip is mine. My sister doesn't make "semi home made" anything.

Completely Home Made Twice Baked Potato Soup by Chef Melody of Order In With Me
Photographed by Penny Weaver Frazier.

A  sprinkle of hand-ground pepper and a sprig of something as simple as a celery leaf on top of a scoop of boxed macaroni and cheese can elevate a basic meal to a higher level. A hand full of fresh berries and little bit of chocolate syrup swirled around a store bought angel food cake can turn your table into desert heaven and make your guests feel special regardless of what you spent on the meal.

- Last but not least, a smiling host makes any meal delightful!

S; OK, OK... it's cheesier than the boxed mac and cheese my sister detests, but it's true.
One of my own "fancy" semi-home made meals.
Regardless of your budget, you are the king or queen of your household. Relax and have fun! Don't take yourself too seriously. :) It doesn't have to be perfect.  It’s okay when there are surprises. That’s what makes life interesting and entertaining guests entertaining!