July 2021 Shopping Reflections

If you caught my Instagram stories last Thursday, then you may be able to guess that I also made an additional major purchase last week, which isn't listed in this post. After I fully paid off my law school student loans earlier this month, I made an appointment to stop by Mociun in Brooklyn. All their sapphire ring designs were absolutely gorgeous in person, and I ultimately chose one as a gift to myself, to celebrate the hard-won personal milestone of finally paying off my student loans. 

It didn't seem quite right to include that particular purchase in this month's shopping reflections post, as it's very much a one-time only, special occasion kind of thing. Price-wise, it's also an extreme outlier compared to any other single month - or heck, even any other single full year - of total spending since 2015, when I first started tracking my wardrobe purchases on this blog. I'll probably do a separate, dedicated post about it soon. And when it comes time to do my year-end shopping reflections post for 2021, I'll probably start counting jewelry separately from other categories in that analysis. 

Please note that this post contains affiliate links that could result in my earning a small commission - at no extra cost to you - if you click and make a purchase. Thank you for your support! 

As for the rest of this month's shopping for my closet, two out of three items were summer dresses I actually ordered back in June, but they were not made to order and delivered to me until this month. The third item is the secondhand Balenciaga City I first became interested in not long ago. 

Fashion - (TOTAL: $1057.22) 

• LinenFox Slip Dress, sea green - $104.07* - The price on this was originally $87.56 with standard shipping, but then I added expedited shipping. If I remember correctly from my past LinenFox orders, standard shipping can take two to three weeks. I was actually shocked by how much faster expedited shipping was, it barely took two or three business days for my package to get here from Lithuania! Anyway, if I'm interested in new summer clothes from LinenFox next year, I probably need to remember to order earlier than June because their expected production time can be as long as four to six weeks during the summer. I customized this dress by asking them to shorten it by four inches, which was definitely the right choice as I'm significantly shorter than their models. I quite like this dress and the color I picked, but I may need to sew up the straps so they're a bit shorter and the dress would look a little less low-cut on me. One other quibble I have with this design is that there's no slit at the bottom of the skirt, I think adding one would be helpful to allow the legs to move more freely. As always, the detailed product measurements LinenFox provides for each size of every item are extremely helpful for selecting the correct size. 
• Heinui Noe Dress, green birds print - $310.79 - No product link because Heinui took orders for this through Instagram DM! I had this one customized by asking them to add three extra inches because I worried that - with the brisk wind one often encounters in NYC - the very flouncy, voluminous, and short-ish skirt could easily get blown upwards and cause a wardrobe malfunction. (There was no extra charge.) This print is really cute. The fabric is a medium-weight cotton-linen blend that's heavier than Elizabeth Suzann medium-weight linen, but because this dress is so flowy, I find I'm still been able to wear it comfortably on fairly hot and humid days (up to, say, ~85 degrees Fahrenheit). Heinui often works with lighter, floatier fabrics that are more summer-friendly, but because this dress is quite short and voluminous, the designer said they intentionally chose a heavier fabric to prevent the skirt from blowing upwards accidentally. This silhouette - with the skirt flowing generously out and down from a rather high point on the waist - can take on a bit of what I rather ungracefully refer to as the "boob tent" effect on my more busty frame. (I used to think these kinds of silhouette were solidly outside my style comfort zone - they emphasize the part of my body I'm most self-conscious about - but over the years, I've learned it doesn't actually bother me. If the dress is comfortable and pretty, I'll still enjoy wearing it.) I still really like this dress and find it very fun to wear, but I also worry that other people could think it looks... a little like a maternity dress on me. 
• Balenciaga City, black lambskin, secondhand - $642.36* - (search for similar items linked) - As I mentioned two weeks ago, I'd already ordered and returned this bag with gold hardware, so by the time I ordered this one, I was already sure I'd like this design and that it'd be functional for me. I find this bag to be a perfect size, it can carry everything I typically bring to work - which currently includes an additional A5-sized notebook; a swap for a larger pen case; and my Kindle, on top of everything pictured in that post - and then some. Though like the Coach Rogue, the City also can't comfortably accommodate a letter-sized notepad or binder. The somewhat short-ish shoulder strap is just the right length to allow the bag to sit comfortably and securely on my shoulder without flopping around and getting in the way while I'm walking. Now that I've taken this bag on a few outings, I confess part of me sort of wishes I kept the gold hardware version instead, even if it would have been ~$100 more expensive. (I originally thought the higher contrast gold-tone hardware would be a bit too "loud" for my tastes, given that my handbags tend to have simple designs with minimal visible hardware.) I find this combination of more subtle aged brass "classic" hardware and black leather causes the bag to really blend in to the background for me when I'm using it - I don't think to admire the bag in my reflection in shop windows when I pass by - so maybe I'd have appreciated the brighter, more eye-catching gold hardware after all. Between my previous return and this order, I'm very satisfied with my Fashionphile shopping experience. Everything's been smooth, and in particular, they process returns quickly. 

*Indicates that this price includes tax and/or shipping. 

And that's it for this month! I'm maybe a bit surprised I haven't been interested in actually ordering anything I mentioned in my "miscellaneous shopping" post in early July. Those J.Crew hammered metal bangles have since gone on sale, but I haven't been inspired to get them. As for my sandals, I think it's looking like I can safely wait until next summer to replace them. (Thank you to Hadilly for recommending the Mephisto Helen sandal, as I think they definitely seem like they will have a sleeker and more attractive look on me than the Birkenstock Gizeh I was thinking about or the Fitflop Lulu style I currently wear!) 

Pandemic-Era Health and Fitness Changes

via Unsplash

As you can probably tell from the title of this post, there's definitely a content warning on this one, as I'll be talking about weight changes (as a broad concept, I'm not going to refer to my weight in specific numbers today but I also can't guarantee that any websites I link to, including one of my own older posts, won't include more explicit discussion of weight-related numbers), diet, exercise, and certain health conditions. Please do not continue with this post if you do not wish to read about any of these topics. 

The First $100,000...

Tory Burch Robinson Colorblock Card Case (affiliate link) 

As I mentioned in an Instagram story last week, I've officially fully repaid my student loans! It almost feels anticlimactic to be done so suddenly with something that's taken a little over six years from when I graduated law school. (But with the paycut I took while clerking, I was only able to make serious payments for five of those years. I couldn't even keep up with the ~6% interest that was accruing to the tune of roughly ~$990/month while I was clerking.) 

Is it funny, or maybe just strange, that I don't even actually know what my total student loan balance was at its peak? Because ~6% interest was steadily accruing on the vast majority of the balance at all times - including while I was in law school and in the months between graduation and when I actually started working - the total balance was constantly in flux. If you've ever noticed inconsistencies in how I've described the size of my initial student loan balance over the years, it's mostly because of this constantly accruing interest. My total amount actually borrowed was different from my balance upon graduation, which was also different from my balance when I started working, etc. etc. I know the all-time high was at least ~$195,000, but I can't recall if it ever actually got much closer to $200,000, or even slightly exceeded it. 

There's a pretty common trope in personal finance-focused online discussion spaces about how "the first $100,000 is the hardest" to accumulate in savings and investments, and that's certainly been the case for me. Heck, because I started with an extremely negative net worth thanks to my law school student loans - and because I took that aforementioned paycut to clerk very early on in my career - it even took a super-long time for me to get to "the first negative $100,000" in net worth!

Life Lately: Fully Back in the Office

Enjoying a meal at Hometown Hotpot & BBQ in Chinatown. It's K and I's favorite hotpot place.

My workplace finally announced a formal office return date, so I'm officially back in the office full-time now. It would have been lovely if the powers that be had decided we could keep some limited amount of work from home flexibility, but alas, that was not in the cards. 

While I'm a tiny bit disappointed, I'm not too surprised by this development because our workplace culture had always been really old-fashioned about strongly disfavoring remote work. So I didn't really expect to be able to keep any discretion to continue working from home sometimes. Oh well, it was good while it lasted! At least we're still allowed to dress casually at the office until further notice, our typical business casual office dress code has yet to be reinstated...

I've now had the opportunity to have at least one in-person hangout with each of my close friends living in NYC, and that's been wonderful. We've all been fully vaccinated for quite some time - and none of us have very young children or other household members who cannot receive the COVID vaccine - so we're all fairly comfortable now with going to restaurants, shopping in stores, and the like. 

K and I continue to make the personal choice to wear masks indoors while out in public, except when seated at restaurants or bars, or while actively eating and drinking in other settings. By now, most public settings in NYC don't really require masks for vaccinated people anymore. Though, in my experience, a good 30-40% or more of people in stores and other non-restaurant settings mostly still wear masks inside. (I admittedly don't go out to that many places. I still don't have all my pre-pandemic energy back for running errands all over the city!) 

Now that I'm feeling more comfortable with going out into the world, I'm starting to make all my long-overdue appointments for routine checkups and the like. For the most part, I was already overdue for these appointments long before March 2020, which was a little irresponsible of me... Hopefully my dentist and general practitioner will find that everything is in order! Once I drop by the optometrist, I'm already pretty sure they'll tell me I need a stronger prescription now, unfortunately. 

One thing that happened during the pandemic was that I started watching a lot more YouTube. Very recently, I've gotten into Eileen at Colourful Noir's channel, I think she has a really soothing voice and a lovely accent (I think she lives in the UK). She mostly talks about certain ultra high-end designer items, which are obviously not something I'm personally in the market for. But she approaches it from a refreshing angle focused on prioritizing responsible personal finance management first and foremost. Only after that's taken care of would she advocate shopping for a limited number of designer items that will get a lot of use in one's wardrobe. 

How are things going on the COVID-management front where you are? Are people mostly back in the office or the classroom in your part of the world? Do you have any favorite YouTube channels to recommend? I hope that everything is well for you and your friends and family.