Coffee heat rising

How to Control Financial Stress

Unless we’re born with a ton of money, most of us worry about our finances. Even if you’re not struggling to make ends meet, you may wonder if you’ll ever pay off your student loans, ever get out from under credit-card debt, ever own your house free and clear, ever manage to save enough to see you through retirement. Or maybe you’re sick of working but dare not quit your day job. All of these concerns (and  more!) add up to one big issue: stress.

Funny is going to do a series on controlling financial stress, since personal finance and stress are part of this site’s theme. Over the next few weeks, here are the stress control strategies we’ll cover (not necessarily in this order):

1. Budgeting to cut worries

2. A frugal shopping mantra

3. Living minimalist

4. Paying off revolving debt

5. Living free of revolving debt

6. Focusing on what matters

7. Living beneath your means

8. Strategic stockpiling

9. Building a second income stream

10. Eating well and saving

11. Simplifying your financial life electronically

12. Paying yourself first

13. Planning for the kids’ education

14.  Planning and saving for your own retirement

15.  Paying off the house

So, watch this space! Over the next few weeks, Funny will revert to its orgins as a PF blog, becoming a little more finance-ish and a little less personal.

🙂

Excellent Paypal Tool!

Paypal fees amount to an annoying ding: you charge someone $150 for services rendered and you end up shorted $4.65. That’s a pretty hefty fee, compared to a bank charge for an ordinary deposit. And despite the convenience of EFTs in the cloud, it’s unfair: you didn’t do $145 worth of work; you did $150 worth of work.

Well, obviously the trick is to make the client pay that fee. The calculation is onerous, though, and so many of us either overcharge the customer or just eat it.

No more!

Check out this handy-dandy Paypal service charge calculator! It will tell you how much you need to charge to get full payment for your product or services. Or, conversely, it will figure how much you’ll  net on an incoming payment.

Et voilà! Now it’s easy to see that if you want to receive your full $150, your statement will need to ask for $154.78.

How to extract the extra $4.78? Well, you could annoy your client by letting him know upfront that you’re passing Paypal’s annoying fee along. Or you could charge $165 and give him a $10 discount.

😉

 

Cloud Computing, Marketing Strategies, Hopeless Jobs, and Mad as a Cat

On days like this, my father used to say he “got up on the wrong side of the bed.” Me, I think the explanation is that God Herself is pissed off at me. Can I compute in the cloud? Can our new marketing plan bring us some decently paying work? Are we doomed to an endless series of hopeless jobs paying Third-World wages? And why does all this make me feel mad as a cat?????

It’s been one of those cranky days. Started out that way and went downhill.

Shot off to Scottsdale de bonne heure, well before seven in the ayem, dressed not quite to the nines but certainly to the eights. Good company. Friend who’s a graphic designer of some renown and substantial talent took it upon himself, volunteer-wise, to take control of Tina’s and my project to design a logo and a business card. He surfaced with a truly gorgeous design. Love it covet it want to print it NOW, today! Tina loves it. Test client loves it.

“Test client”: friend who is also a client, whose taste and honesty can be trusted.

Only problem is, designer thinks copyeditor is two words. (He are, as we used to say at picture magazine Arizona Highways, a artist, he are not a english major.) The gorgeous design engages this small misapprehension. To fix it is to TOTALLY SCREW UP THE INCREDIBLY AWESOME UNBELIEVABLY FLICKING SPECTACULAR DESIGN!

In a word: auugghhhhh!

I incline to let it fly.

Colleagues say…wait! Given the business you’re in, it had better be right.

I say, one in 100 of my clients has a snowball’s chance of noticing that copyeditor is one word. Forgodsake, most of them are graduates of Arizona’s abysmal bottom-of-the-state-rankings public school system. They can barely spell their own names. That’s why they need us.

They say, given the business you’re in, it had better be right.

Taking this under advisement, I take the proofs and drive toward Client/Friend’s office, whereinat I need to deliver a job. I figure to ask her what she thinks of the copyeditor/copy editor issue.

But…at her office, no one’s there. It’s after nine, but not a soul is around. The door is locked. And the mail slot, where in the past I’ve dropped packages  of edited copy, is sealed shut.

I walk across the street to the publisher’s bookstore. Doesn’t open till 10:00 a.m.

Visit all the shops and offices in the publisher’s building, hoping to find someone who will take delivery of the mound of work I’ve done till Client can get back and retrieve it. No one’s open. (When do these people start their workdays??????). I can see a hairdresser working on some broad’s hair, but his door is locked. I leave, the work undelivered and the pay undeliverable.

Eventually reach Client on her mobile device. She’s trapped in an all-day meeting. Says she: copyeditor. One word. Copyeditor.

Says she: bring the copy by next Thursday. Doesn’t matter: production manager is off for the week.

{groan!}

Copyeditor. We are copyeditors. Not copy editors. Another week’s delay in receipt of pay, and a shot at another job.

Arrive casa mia, a half-hour later, feeling unduly cranky.

Pup is locked up in his crate, left there by M’hijito on his way to work while I was gadding around Scottsdale shortly after dawn cracked.

Yesterday a student has said she didn’t get her graded paper. I search for it on my hard drives. None. Where????? I think I’ve read it, hope I’ve read it, don’t want to read it, certainly don’t want to read it AGAIN.

There’s a score in the gradesheet for this paper. Whence???

Search two e-mail systems, in-boxes and outboxes. No, nope, not there.

Read the damn thing. Grade it. OK. Go to upload it back to her and…yes. Of course. At that point find the flicking GRADED PAPER!!!!!!!!

There was a good hour’s time wasted.

Another student sends a late paper. I stupidly neglect to tell him to take a flying F*** at the moon. Instead, like a fool, I read it. Just. flicking. God. AWFUL!!!!!!!!!

Two hours wasted, not counting the pointless trip to south Scottsdale. We’re really talking, if you add in that junket, three hours of wasted time.

All this wastage is interrupted every few minutes by Pup, who desires to go out, who desires to chew on stuff, who desires most of ALL to pounce the corgi and tup her until he’s blue in the doggy face. This desire is not shared by the corgi, interestingly enough.

Pup is beginning to get the message of “Leave It!” But it’s a slow process. Occasionally he will stop pumping away at the corgi. Briefly. Very briefly.

This morning it occurs to me that what’s really happening is that when I give him a treat for responding to “LEAVE IT!” he thinks I’m congratulating him for pouncing the corgi. Of course. Get this: Pounce the corgi; get distracted long enough to grab doggy treat; pounce the corgi, get called over for another treat.

Uh huh.

In the process of this discussion, Pup wraps his leash around my ankles as I’m walking down the hall. I fall on my face on the concrete-hard tiles.

Fortunately, nothing breaks.

Except my temper. The air all around me turns blue.

Dog is tied to the doorknob. I go back to work.

Now I have to read, comment upon, and advise about a raft of student drafts. Group 3, the bunch whose papers I should’ve read before I went to bed at midnight last night, has a half-dozen members. Three, count’em, three students have turned in draft comp/contrast papers. One of these is actually a comparison and contrast essay.

Now, I wasn’t surprised when the 102s couldn’t do the extended definition. That’s a difficult rhetorical mode and not one normally taught in our fine public K-12 system. They had, in a word, no clue. However, the comparison & contrast paper is a cliché. By now, they should know how to do it as they know how to breathe.

Another hour wasted, trying to explain to these nuclear physicists what is meant by “comparison.”

Took pup out in the yard again. Leash wrapped around my fingers as he was taking off like a rocket. Damn near dislocated my thumb!

None of these activities did much to improve my temper.

Now it’s time to feed said Pup. A.a.a.a.a.a.a.n.d.d.d.d.d…..we have no flicking dog food! M’hijito has forgotten, for the second day running, to restock my store of dog food from his giant Costco bag of it.

I decide that, rather than traipsing (again) to his house for a baggie full of the stuff, I should go to Costco and buy my own bag of it, thereby limiting the number of future junkets in search of toxic kibble. So, along about 12:30 I arrive at Costco, using time that I need to be using to read student papers and I need to be using for our marketing campaign and that I really truly wish I were using to unwind and that I do not wish to be using to run around the city.

Decide to pick up a bottle of wine, thinking maybe a glass will soothe my frazzled nerves. Also being low on human food, I decide to grab a container of tomato soup. Arrive in the dog food department.

And…yes, you know this, don’t you?

Yes, Costco is abiding by its First Corporate Internal Law of Nature: If the customer likes it, get rid of it!

The question is, how do they know?

Costco has quit carrying the expensive, tony, very nice variety of dog food M’hijito has decided to feed Pup. The new variant of that brand is turkey and sweet potato. M’hijito has told me, in the very recent past, that he believes sweet potatoes give Pup the runs.

This means M’hijito will have to select a new brand of dog food and will AGAIN have to ease Pup from present brand to new brand. Don’t know what kibble manufacturers do to make this happen but whenever you change brands abruptly, it invariably causes canine enteritis.

Interestingly, after you’ve accustomed a dog to eating actual, real human food, you can feed the beast any damn thing you please and never see so much as a loose bowel, much less the rampant diarrhea that happens every time you change kibble brands. I wonder why that is?

Pissed, I head for the checkout stand, where the lines stretch halfway back to the flicking meat department. It’s ten to one on a Thursday afternoon. What are all these people doing here? And why the hell aren’t they at work?

Oh. That ‘s right. There is no work in Arizona.

I beat out an aggressive shopper who tries to cut me off at the relatively short line. He joins a comparably endless line, and we settle in to wait for our chance to get out of the hectic place. And. Yes. My checkout guy seems to have come to Costco from the Post Office.

He moves as though he were swimming through molasses. How do people do that? The arm sloooooowwwwwly moves from item to cash register. The fingers sloooooooowly punch in code. Meanwhile the guy’s mouth moves a mile a minute. He’s gabbling to the customer, an unending stream of small talk. He yaks. She yaks. They yak. He clears off half the conveyer belt but neglects to move it forward, so the guy in front of the guy in front of the guy in front of me can’t unload his cart. He yaks. She yaks. They yak.

Just as it looks as though he’s finally going to hand over the receipt and shovel this pair out the door, it becomes apparent that he’s not done. They’ve rolled up a flat cart bearing a gigantic televison. He’s delighted. They’re delighted. They discuss the glories of this particular television. He yaks. They yak.

I give up and leave.

Drive to M’hijito’s house, close enough to Costco to walk, if one so chose and didn’t mind risking one’s wallet and one’s health. Collect a few cups of dog food, head back to the Funny Farm, feed the dog.

Wasted another hour and a half in this exploit.

Fucking furious.

Tina e-mails to say she’s landed a course with the District, teaching Western Civ online. She hopes to get two more sections.

Her master’s degree earns her a tiny fraction of what waiting tables pays her.

She wishes nothing more than to find work that will let her quit waiting tables.

Adjunct teaching does not fit that description.

We must market our business. We must, must, MUST get better paying work.

The new client, the one who told me how tough things are before walking out of the restaurant where we met and climbing into a Lexus SUV, finally allows as to how he will pay our $60/hour rate. But he claims to be headed out of town and now begins a game of telephone tag. Okay. I can play that game. I’ve given him two pages of freebie edits and some advice on revision as a sample of what we can do. Sincerely do I hope this does not come to naught.

Late in the day, I hear from a headhunter.

He wants me to apply for a medical project management job in Chicago. I am not even faintly qualified for this job, but Tina is. Faintly, at any rate. I forward his e-mail to her, though I know she probably can’t leave the state because her child’s father lives here, sole custody notwithstanding.

The day wends on and I’m reminded, again, that really I need to look in to subscribing to Carbonite, an online backup system much recommended by the Web guru who haunts the very networking group with whom I started the day. This reminder comes by way of a review of the freshly launched iCloud. Reviewer says it’s great for mobile devices but “dead” for desktop machines.

Ducky.

Read reviews of Carbonite and Mozy. The reviewer raves; commenters rant. Three people report that Carbonite failed to actually save their data. Two report that it takes not hours, not days, not weeks, but months (!) to back up their data to its servers. Similar complaints are made about Mozy. The reviewer loses his temper and announces that henceforth he will screen comments and boot those he regards as gratuitously cranky.

I feel gratuitously cranky, myself.

After studying these ruminations, I decide that, since I’m going to have to pony up $30 a year to keep my business e-mail address, I might as well at least try to use iCloud for cloud storage, but remember nevertheless to manually back up key subdirectories to my hard drive. Then if and when the burglar breaks in and steals all my hardware, at least I’ll have a shot at rescuing some of my data from iCloud.

Dinnertime at last. I crack open a beer, being fresh out of wine. Hope it will soothe my crabbed nerves. Used up the last of the dog pork; forgot to defrost another container of cooked pork for the corgi. Feed her half a can of tuna. She hates canned tuna and leaves most of it in her dish, there to stink up the kitchen. Throw a piece of salmon on the grill; it cooks slowly. Assemble salmon and salad and buttered rice on a plate; take it and a mug of beer outside…there to be greeted by the roar of a FLICKING cop helicopter, come to take up residence over the neighborhood.

Curses!

Curses, curses, curses!

 

The Joy of Listing

Yeah, I know: Evan and my other east-of-center friends will be thinking “Yup, the woman lists to the left!” But that tendency notwithstanding, I’m here to testify to the endless benefits of making lists to organize your time and beat yourself into finishing those tasks you just. don’t. WANT. to. do.

By this morning I’d only just started to climb out of the hole I’d dug for myself by falling behind on a single regular chore: grading student papers. That slippage led to a cascade—an avalanche, we might say—of missed deadlines and stuff that wasn’t getting done. Last night I read copy until 2:00 a.m.; then overslept until 7:00 this morning, meaning I didn’t get breakfast before M’hijito showed up with pesky Charley the Puppy, which meant I didn’t get the pool backwashed or the plants watered or the dishes washed or this post written while there was still time to work in relative peace.

With that little bouncer underfoot, precious little gets done. And by now a vast lot needs to get done.

Well, after tying the end of Charley’s long lead to a doorknob, I figured I’d better get organized or nothing would get done: ever again! Hence, the disorganized organizer’s secret weapon: a list on a yellow pad:

√ Refill hummingbird feeders
Backwash pool
Test water
Adjust chemicals
Enter debits in personal and corporate books
√ Read the last straggling student paper
√ Water plants
√ Read new client’s chapter;
….√ Enter preliminary edits in two pages, timing the effort
….√ Write assessment, commentary, and estimate
….√ Compose agreement letter
….√ Send all of the above to him under cover of an e-mail
√ Write October ABPA newsletter
Write new CE Desk website copy
Update LinkedIn copy
√ Find out if there’s a LinkedIn badge that could go on new CE Desk website
Contact former client; ask advice on marketing
√ RSVP to networking opportunity
√ Remember to enter dog training appointment in calendar
Dust furniture
Clean floors
√ Write FaM copy

Well, of course I came nowhere near getting all those things done. In fact, only the items that absolutely positively HAD to get done got done.

For some reason, writing down the things you need to do does something to the brain. It weirdly  motivates you to perform, for reasons I don’t understand. Maybe the satisfaction of checking off yet another obnoxious chore—DONE!—releases just enough happy-chemicals into the brain to keep you going.

I can think of a thousand things I’d rather do than read another student paper. And I especially resent reading late papers, even if the kid has what looks like a legit excuse.

I am sick of watering plants.

I’ve already backwashed the pool twice this week, which is two times too many.

I never want to write the mind-numbing newsletter.

And the prospect of reading client copy (and constructing an agreement letter and writing an assessment that made sense) plus writing the newsletter was enough to send me off on a cruise aboard the Good Ship Google, a fugue that would guarantee the nonaccomplishment of all the above.

Tomorrow I have to teach all day, race home, feed the pup, bolt down dinner, and then shoot out the door to choir practice. So none of the other undone things on today’s list will get done. The gritty floors will continue to stain the bottoms of my feet gray. The books will fall further out of date. More bills will come in today’s and tomorrow’s mail and not be entered in said books. Cassie’s dust allergy will continue to make her eyes run. The Copyeditor’s Desk website will remain out of date. LinkedIn will remain out of date. The recently former client may shuffle off this mortal coil before I get in touch with him.

But at least the worst of today is done.

Mary Kay Ash wrote, in her long-ago autobiography, that listing was THE way she got herself organized and moving forward when she started her business. And, she said, she continued to write and follow lists throughout her formidable career.

She advised her acolytes to write the next day’s to-do list on the bathroom mirror, in lipstick.

Why not? Use the stuff as a marking pen, and you’ll buy all that much more Mary Kay lipstick!

Messy, but you can be sure it worked. It’s hard to ignore a to-do list that’s between you and your morning makeup. You have to see it as you stumble into the bathroom to use the terlet the first thing in the morning. What a reminder.

She also suggested putting the chore you least want to do at the top of the list. For her, it was cold-calling. Her theory was, once you got the don’t-wannas out of the way, the rest of the day would be downhill skiing.

And there certainly is something to that: I find I tend to put off all my chores when there’s some major don’t-wanna lurking. Because I don’t want to do that one thing, I don’t want to get started at all, because sooner or later I’ll have no choice but to face the aversive task. So I don’t do anything at all.

Organizing your tasks seems to organize your time, as if my magic. Automatically, so to speak. And now it’s 8:00 p.m. and I need to schedule this post to go online tomorrow ayem, fix something to eat, feed Cassie, finish reading the current ARC (author’s review copy–a type of page proof), and go to bed.

Tomorrow:

Backwash pool
Test water
Adjust chemicals
Enter debits in personal and corporate books
Write new CE Desk website copy
Update LinkedIn copy
Contact former client; ask advice on marketing
Dust furniture
Clean floors
Meet three classes
Go to choir
Read draft stoont papers before going to bed
Write FaM copy

Yeah. Sure.

🙄

Is This Ever Gonna STOP?

Man! In the overworked and underpaid department, I seem to be having a fire sale. Don’t know when I’ve ever worked so hard and earned so little for so much effort.

I thought I’d finished reading stoont papers late last night, clearing the way to work on the Festival of Frugality today, which is absorbing time from the paid work I should be doing for a new client, whose opus I haven’t even had a chance to glance at since he sent it last Friday. Meanwhile, page proofs from a real paying client languish next to the bed, where I’ve been falling asleep over them every night for the past week, never getting far with that editing job.

But nay…I just realized about a half-hour ago that I missed not one, not two, not three, not four, but five flicking student papers! Read one of them, but there’s no way in hell I’m going to get through the rest by the time I have to leave for class tomorrow. It’s almost midnight, I’m stunned with exhaustion, and I’m about to go to bed. Four hours will probably not be enough time, with my son’s puppy bouncing around, to get through the four papers remaining for me to grade.

Most of today was occupied with choir, since we had Evensong tonight, where chant choir customarily sings. We had new material to learn so had to show up early, taking more time out of the day when I should have been reading copy. Then they wanted to do a potluck. Oh god. So I had to race to a store to buy a deli salad, since I had no time to make a salad. That took still more time out of the day, to say nothing of a nice chunk out of the grocery budget.

Yesterday I took the dog to the vet’s trainer, where I got much better advice than M’hijito and I received from the crackpot we hired a couple of weeks ago, speaking of nice chunks out of the budget. This occupied another two hours (and more, some of it spent dodging around a major wreck on the way down there).

And yesterday morning I had the temerity to plant some new seeds in a couple of pots (this entailed hauling the pots around). And I had to backwash the damn pool twice yesterday–it still needs to be tested and cleaned, neither of which will happen soon. Repotted a moribund houseplant (that seems to have revived it) and moved it outside and planted two Trader Joe orchids in a single big pot and hauled that indoors. Did the laundry, washed the sheets…and had no time to clean house.

Got a flu shot on Friday that made me sick. As it develops, they’ve decided old bats should have a double-dose of the gunk, and that is not very good for you. The headache started before I reached the front of the store (got this at the Safeway pharmacy), and things went downhill from there. I’ve been miserable all weekend.

Mercifully, Tina picked up a substantial part of the work on the Festival of Frugality, which will go live here on Tuesday. I’ll still have to collate her work with mine and hope it makes sense. More time to be spent, very soon.

Created a poster for the Copyeditor’s Desk contribution to the choir’s annual gala silent auction. We’re donating 8 hours of our time, plus offering another 32 hours at 50% off. Printed 30 business cards, tracked down an acrylic display holder and a matching acrylic card holder; shlepped this to choir. I hope the cards stay with the display, but don’t hold out much hope. At any rate, the several ideas are a) I have no money or objects to donate to this event; b) I can only donate time, and so here it is; and c) maybe, just maybe somebody actually will buy 9 to 40 hours of our time, and if so, even at half-price we sure could use the money for some of them. Plus it may be a way to build a relationship with a new client. And further, if the business cards don’t go astray, maybe some other potential clients will pick them up.

12:00 a.m. I have gotta go to bed!

Second-Hand Rose: A Thrift Shop Score

I’m wearing second-hand hats,
Second-hand clothes,
That’s why they call me
Second-hand Rose…

In the fading upscale shopping center across the street from the restaurant where my business group meets for breakfast each Thursday morning, you’ll find a wildly successful thrift shop called My Sister’s Closet. Yesterday I decided to drop in and see if I could find a decent-looking suit, of which I have had none. Not for decades.

Working at the Great Desert University’s scholarly editing office, we had no contact with the public. And before that, in the classroom…well, there’s no need to dress to the nines to teach undergraduates. So for the past 20 years, give or take, I’ve dressed like a graduate student. I live in Costco jeans. Occasionally I would go out and buy an Eileen Fisher outfit—it’s one of the few brands that fit around my fading body—but there’s not much call for clothes like that around here. However, now that Tina and I have decided we  need to market The Copyeditor’s Desk aggressively as a business-to-business service, it looks like I’m going to need something acceptable to wear in public.

Problem: I can’t afford to buy expensive business suits.

As an aside, The Copyeditor’s Desk, Inc., which receives the proceeds of Funny about Money as well as the editorial enterprise, did pretty well last month. Thanks to Funny’s new ad agent, Crystal of Budgeting in the Fun Stuff, total revenues from blogging and from editing grossed about what I would earn teaching four sections. That’s still a very modest amount. But if the business made that much all the time, 12 months a year, it would come to significantly more than I earn as an adjunct, where I’m technically allowed to teach only three sections a semester—providing income only nine months a year. If we could permanently ratchet up the editorial income by landing a few business clients who would hire us on long-term contracts, I wouldn’t have to teach at all. Or, if I taught one or two classes on top of that dreamt-of income, I’d have enough to pay the bills without worrying much.

Hence the project to acquire a credible-looking business outfit. We’ll be joining more business groups and looking for other ways to peddle our wares to companies and medical practices that need business or technical editorial services. To succeed at this, we need to look like we’re already prospering.

I’ve never shopped much in second-hand stores, mostly because I truly dislike plowing through acres and acres of ugly junk clothes in a (usually futile) search for something that looks decent and fits. However, Scottsdale is filled with the sisters of Mrs. Gotrocks: ridiculously upscale or aspiring women who either have high-powered jobs themselves or who support their husbands’ careers by appearing conspicuously at public functions brought by groups of society matrons. These women wear outrageously expensive clothes, and they don’t wear them long. If you have something striking, about the third time you put it on all the other hens start to cluck, “Doesn’t she have anything else to wear?” So, I figured, a place like My Sister’s Closet, right in the heart of darkest Scottsdale, would have plenty of their leavings.

And yea verily: I was right, in spades!

The store organizes its gleanings in two categories: designer fashions and all the rest of the junk. They have entire racks of St. John separates, suits, and dresses.

St. John, for the uninitiated, designs clothing that fits women d’un certain âge: like Eileen Fisher, the company targets well-heeled women over 50.

Not many designer clothes come in size 12, today’s equivalent of a real-life size of about 14. So fat have I become! My mother wore 14s and 16s in her old age, and I’m beginning to look just like her. But lo! among the “S” and “XS” tags, I came across a gorgeous amethyst knit skirt and jacket in a fatlady size.

Normally I can’t wear knits: they display every ripple of cellulite on my body. But, drawn by the color, I hung it on the shopping cart rack anyway. Back in the “business attire” section, I found more normal manufacturers: Banana Republic, Talbot’s, and the like. Picked up a few skirts, pants, and jackets there, too.

As usual, not one of the mass-market costumes fit around my capacious rear end. They made me look like a beer barrel with feet sticking out.

(The shoulder pads don’t have bumps in them. That’s the skirt-hanger clips showing through; soon as the photo was snapped the two pieces were hung separately.)

I finally tried on the St John suit, as a last-ditch effort.

Astonishingly, the skirt fit! It hid the paunch and made me look almost human! The jacket fit pretty well, too. That’s just amazing!

The skirt and jacket came to a hundred and a quarter, more than I expected to spend on second-hand clothing, but both pieces were impeccably clean, no stains, no sign of wear—the thing looked brand new. So I grabbed that.

But that’s not all. I also stumbled across this incredible Coach bag. It really is, I think, brand-new. Not a scratch, a smudge, or a sag to be seen, anywhere! It’s exactly the right size–holds the iPad, a wallet, and a few pieces of junk with room to spare—and the handle will go over one’s shoulder. And, astonishingly, the cream color exactly matches the dressy Naot sandals I bought last spring. Voila! Shoes and a purse to go with the swell “new” suit!

So, I spent a little over $200—about what I’d spend on a normal trip to J. Jill or B’Gauze—and came away with something that looks a great deal dressier and more professional than cobbled-together sportswear coordinates. And that actually fits. And to boot, I got an apparently unused used Coach bag!

Yesterday afternoon I wore this costume to a meeting with a prospective client. Hope he was duly impressed…

When I got home, I googled up St. John’s website.

Holy mackerel! I almost fainted.

A comparable bouclé knit blazer is $1,295! The skirt, a mere $375. At Nordstrom’s you can find a couple of Milano knits for an economical $995, and one bouclé jacket is marked down to $774.

Can that be? I bought $1,670 worth of overpriced clothing for $125???? Or, to put it another way, to get a suit, new, that doesn’t make me look like a potato sack tied in the middle, I have to pony up over fifteen hundred bucks?

The sales clerk told me that if you consign, they’ll give you credit toward their clothing purchases. So you could, in theory, get even better deals. Or take the money and run.

Unfortunately, they don’t accept things like Costco jeans. Except for the surviving Eileen Fisher skirt and tops (one of which, BTW, is perfect with the “new” St. John suit), I don’t own anything worthy of this outfit’s elevated taste.

But I do own the occasional discretionary $200. 😉

Lyrics: Grant Clarke, James Hanley, “Second-Hand Rose.” Performed by Fanny Brice and later by Barbra Streisand.