How to dress your new age!

So now you are out of college, with a closet full of clothes from Hollister and Abercrombie that push your boobs up and out. You are suddenly at a new stage in life and need clothes to match this stage. This is a blog that may help with your decisions when you get up in the morning. As you go shopping, try to pick out clothes that you can wear day to day and at work. This would mean less laundry and less clothes- less money! Also, I do not have the best fashion sense, so do not base your wardrobe 100% on your blog. This is just what I am going for. Here are two fashion on a budget blogs I follow: The Budget Fashionista and The Budget Babe. Also, Shop Style is a great website for style. It has a lot of clothes that are several hundred dollars, but if you adjust your search results you will find some great bargains! 

• Tops: Button up shirts are definitely more grown up. A satin button-up blouse paired with dark wash jeans and black pumps, or a white button-up blouse paired with dark wash skinny jeans and brown boots look great. Also, slight hints of lace are nice. Such as lace on the shoulders. Guys have it a little easier. Day to day guys look fine in a nice t-shirt. But going out at night, once again a button up shirt. The photos below were taken from forever21 (female) and hudson belks (male).

• Bottoms: Dark wash jeans are always great (at least in the past few years). You ladies should have some skinny (for boots) and some flair (for heels). Also, destroyed jeans have been fashionable for awhile now. On men, tighter (not like cowboy tight, but not sagging) slightly destroyed jeans look good. Now, the jeans that I am describing are the jeans that are $100 plus. I bought a pair of big star jeans that start at $90 and only go up for $45 from plato's closet! Go check out here, especially for jeans! The female stirrup jeans (great for boots) are from wet seal. The other two are from buckle. 
  

• Shoes: To me, the most adult shoes for women are heels. There are great heels that aren't very high. I would say at least get black pumps. It takes awhile to get your feet, back and knees used to wearing heels all the time, so don't wear them to the mall your first day. I would actually suggest breaking in new shoes while drunk. I would also suggest brown boots. Beyond this, be careful! Color shoes take practice. Luckily, flats are very in style right now, so wear these as much as possible! But I still like my heels (there is a reason guys like them: they make your butt and boobs stick out the way they make you stand). As far as guys, no more tennis shoes! Never! Always dress shoes. The women's shoes should be simple enough, but I have included a pair of nice mens day to day shoes below from Belks (although I believe this may be a North Carolina based store). 
  

• Make-up: This is only for girls (sorry, you emo boys may be attractive to some girls, but in my opinion, not the sign of a mature 20 something- to each his own though)! Natural. I cannot say this enough, go natural! By this I mean don't wear bright blue and green faded eye shadows unless you want dollars in your g-strings. Use browns and blacks, earthy tones. Use light to medium browns during the day, and light, medium, and dark browns and a little black at night. The smokey look is very in right now. Here is an example of great smokey eyes. Tone it down during the day, but this is great for night. And don't expect for it to look perfect the first time! Try it out on your own, and tweak it until you create a look perfect for you! 
• Nails: This is for girls and guys! Keep your nails trimmed, or at least smooth. Do not bite your nails! Let's get specific: Guys: your nails should be trimmed, below or at the end of your finger. You don't need a manicure, but it is nice to keep a manicure kit hidden away. This goes for your toes, too! Clean your feet! Trim your toenails! Girls: Don't have those crazy long nails! It's not hygienic or professional. Or crazy nail colors! Natural nails or fake keep them just past the tips of your fingers, and keep your colors nice. Reds and pinks, or french tips. Either way, you wear nice clothes, clothes that could get pulls and runs if hang nails get snagged. Always carry a nail file, because you never know what happens! 
• Don't forget! Accessorize! Putting thought into your outfits will show maturity and professionalism. Not only necklaces and earrings, but the appropriate shoes and belts. And even jackets. Just because it's 50 degrees outside doesn't mean you can't wear a nice jacket over it. If one item in your outfit is nice, all the items should be. As you buy outfits plan them out, don't just hope you will find something that goes with it, because you may not! It's better to regret buying something for a season than to buy something and run out of money, and then never even wear it!

Dressing your age is very important. At 23, trying to be an adult also means looking like an adult. If you are anything like me and do not look your age (I am constantly mistaken for a high school student, college at best) it is even more important to dress my age. Not everyone feels like dressing up everyday, I constantly have days where I run out in sperry's and a t-shirt, but the way I see it, you never know who you will see that you want to impress (your boss, an attractive member of the appropriate sex...) so it is important to dress the way you want to be perceived. These are just suggestions based on the fashion I see and I like, but fashion is different everywhere and with everyone. I would suggest not dressing totally for someone else, you should always be comfortable and confident in your clothes! 

A fresh month

It's getting to be the end of January, we are all about to begin February. Think of this as a fresh start. Think of each new month in this! I know it is only the second month of the year, but I have read studies that say that the majority of New Year's Resolutions have already been given up by now. Don't wait for next year to make new ones. You could do so much damage by waiting around for the next time for resolutions. Make new ones at the beginning of each month! Here's some of what I'm talking about

Budgeting!!!! 

• Credit Cards! I know I have said they are great in the past. Let me clarify how to use them in a good way. Get a credit card with a low limit!!!!! like $500 low. Pay this off every few days and write these amounts in your registrar!!!!!! Don't get a huge credit card unless and carry it around for emergencies, then on a shopping spree! 
  
• Pay off Credit Cards! Let's say you have already maxed out several credit cards, as I'm sure some people have, and are thousands of dollars in debts. Or let's say you are in debt because of school. The simplest piece of advice would be to take it one day at a time, and set aside as much as you can. Get professional help if you are far in debt. The more professional, the more expensive, but the more they can help. But even if you are making enough to live a fairly cushy lifestyle, cut your expenses significantly, budget wisely, and pay off your payments fast to get a better credit score! And don't forget! Those minimum payments may only cover your interest, you may not actually be making a dent in what you owe! 
• Budget week by week! Set aside the right amount of money for your set expenses in the beginning of the month: rent, utilities, insurance, payments... The rest is for your changing expenses: food, clothes, entertainment... Divide the money into 4 (for four weeks in a month) and spend this amount each week, but no more. If you have problems (like I do) try withdrawing this money and spending cash each week. Then once you run out, you run out and don't spend anymore. 
• Keep looking! Keep the cost of all your bills out, and their due dates! Make sure they are all paid in full on time. Some you can even pay in advance! Make sure you have enough for all of your bills, because this is the most important thing. You may be living paycheck to paycheck for a few years (hopefully you then get that huge promotion, or that huge wedding ring...) and you can finally move up in life. But you can't if you have bad credit. 
• Save! The economy :-(. It's not doing well, as everyone hears about daily, but it's the truth. I have heard that it should be doing better by the summer, but you never know. Keep your portfolio and resume ready just in case. And keep some money set aside to get you through if something does happen. It is wise to keep at least 2 months saved up, of daily living expenses. I've heard as much as 9 months should be saved up. But do what you can. Because once your income goes, you can't really do anything. 
• List! Make a list of everything you WANT! This is help you save for these things instead of blowing it on spur of the moment small purchases! Put on there your barstools, and those hot $150 jeans your dreaming of! (Or maybe this is just my list) But make a list, and maybe put pictures up in a few strategic places to entice you to save up! 

Health!

• Exercise! It's never too late to start exercising! Don't be ashamed to exercise. What's the worse that could happen? People make fun of you? No one will! Esp not in a crowded gym! They would get their butts kicked by all the in shape people! You fall off the treadmill? I've done it! Maybe that hot nice guy will see you and realize you're human and check to make sure your ok! Its better to do it now, than 20 years and 40 pounds later! 
• Eat healthy! It's cheaper first of all! Think about how much you spend at McDonald's or Moe's everytime you go. Then think about how much you would spend on a casserole, and how many servings you would get out of it. Also think about how much healthier this is. Everything for lasagna is about $30 (this one is a bit expensive). I usually get about 8 servings out of it, this is less than $4 a serving. And most of the things that go into it you already have! 
• Vitamins! Take a multivitamin everyday made for women (or men if you are a man). This will give you an extra boost that will help you out. It only takes a minute to take and you will feel much better! 

Personal

• Job! Now I'm not going to tell you to quit your job, esp in this economy. But I will tell you to do something to improve it! If you don't like your position, think about what you could do to get a promotion. If you actually dread coming into work, begin putting your portfolio together so that you can be ready if another position comes up. But stay realistic. Don't expect to become the CEO anytime soon if you just graduated from college. 
• Relationships! This goes for both romantic and friendship. Relationships are a two way deal, each side has to give and take. Make sure you listen to all of your friends! And make sure they are listening to you. If you think you aren't getting what you deserve, talk to your friend. It's better than blowing up at them down the road. Getting your feelings out may create a tense situation, but think about how tense a situation would be if you blew up at her during brunch because she's going on and on about her stupid dog (not a real life event hopefully) 

Think of each new month as a new beginning, and do what you can to improve yourself. Most peoples New Years Resolutions don't last but a few weeks, an average of 3. Think about if you did this for 3 weeks each month. If you ate well, budgetted well, and exercised for 3 months out of the month? That's 3/4's of the year you would be doing good, instead of 3/52's. Who knows, it may even become a constant habit! 

Figuring Life Out

I was reading a forum on 20 Something Bloggers (a social network for 20 something bloggers) and a young 20 something (20 to be exact) said that she was scared of growing up. Growing up... This is what my blog is all about. How to deal with growing up, learning independence, and not failing at this.
Almost everyone is afraid of the future. I know I am. It is a very sad and scary thought, but at any moment you may loose your job because you company may fold, someone close to you may pass away, your apartment/house may burn down. I won't go into any more detail, but it is a reality that things can go wrong fast. And dealing with any of these things on your own is an even scarier thought.
In order to deal with the possibility (and hopefully not the reality) of these things it is important to do things to make you feel more comfortable with the present and future. These things can include staying happy, having a place to go when you want to be alone, and preparing for the future.

Staying happy

• Friends! Everyone needs a good group of friends that they feel comfortable around that can cheer them up. Unfortunately, friends move, and so do you. But luckily, it is possible to meet new people: through work, through friends, through personal ads (craigslist has strictly platonic ads). So if you ever feel lonely in a new city, definitely check out some of these outlets for new people. 
• Therapy and meds: If you ever feel as though you are too unhappy, you may have a chemical imbalance of some sort... it may not be your fault! There is nothing wrong with this, and you will feel better once you get help. But professional help can be expensive. May I suggest B12 supplements. I currently take these, and I love them! Vitamins are water soluble, and what isn't necessary just passes on through. B12 makes me not stress the small things and the things I can't control. 

Have you own place:

• Sometimes this isn't always possible, especially if you have a roommate, or if you live in an apartment that you can't customize. If you have a roommate, make this place your bedroom. Invest in a very comfortable mattress or mattress pad and a really nice bedspread. Decorate your room with things that make you happy and relaxed. Go here if you ever feel like being alone, and just breath for a little while. As far as apartment living, many apartments let you decorate as you wish. If you paint the walls, you may have to put a layer of primer over dark colors, and for heavy wall hangings, you may have to hang at a stud. Ask your apartment leasing office what their policy is on decorating. If you ever realize that when you come home, you don't feel at home, paint your favorite color and hang up your favorite posters, invest in decorations because this is where you spend most of your time. 
• As I type this, this happened to me, as I hear the person who lives above me open and close his door and walk from the stone tile, to the carpeting, it makes me realize that this living arrangement is only temporary. If this happens to you, invest in a white noise machine. It makes a humming noise that somehow blocks out background noise. 

Prepare for the future

• Save! You never know when you income may stop coming in. Set up a savings account and put aside a certain percentage of your paycheck. Most people live paycheck to paycheck. It is wise to have at least two months of living expenses saved up. But don't worry about it if you don't. There is always unemployment, but this isn't very much.
• Insurance: Don't just get the bare minimum on insurance. Get as much as you can afford. I have Nationwide, and can tell you that it is great. Each insurance company has its own perks, so you need to do your research and figure out what you want. I have full car insurance at $86 a month (I have 3 tickets, one at 16, two at 21. The first two were thrown out and the last I used a PJC, I also have no accidents). I also have renters insurance at $8 a month (I have an 838 sq ft apartment). But if something were to happen, having all of this insurance helps me out a lot.
• Fireproof box: If a fire starts in your apartment or house, you will very likely loose many very important documents, including renters insurance or home insurance, necessary documents for getting help from insurance. You should keep insurance documents, personal identification documents... anything you feel is necessary, in a fireproof box. Also invest in a safe that can be drilled into the floor (if you live in a house) for your passport and social security card, and any other documents with important numbers such as check books. 

Overall, you need to live you life day by day. Live it to the fullest. Don't turn down any opportunity just because you are scared. Take reasonable risks (don't jump off a bridge just because your friends say it's cool). Don't have regrets. If you do something you wish you hadn't, think about how it really affects your life, and if it doesn't affect your life in a bad way, think about how much fun you had doing it! 

Don't ever think you have anything all figured out, including yourself. Everything constantly changes, including yourself, and the best way to deal with these changes is to adapt. Let everything flow! Nothing is permanent, this is both good and bad. Good things don't last, but don't worry, bad things don't last either.