9 Tips on When to Save and When to Splurge

Bell Sleeve Off The Shoulder OTS Top Bell Sleeve Off The Shoulder OTS Top Bell Sleeve Off The Shoulder OTS Top Bell Sleeve Off The Shoulder OTS Top Chanel Filigree Bell Sleeve Off The Shoulder OTS Top Bell Sleeve Off The Shoulder OTS Top Blush Chanel FiligreeBell Sleeve Off The Shoulder OTS Top Bell Sleeve Off The Shoulder OTS Top Bell Sleeve Off The Shoulder OTS TopBlush Chanel Filigree

Top: Romwe | Jeans: old, similar here and here | Shoes: Sold out, similar here and here  | Earrings: Club Monaco | Bag: Chanel, similar here, here and here

Photo Cred: Carina Yu

I want to talk about something that I feel pretty passionately about and that I don’t think you get with really big fashion bloggers. Like you, I also follow a lot of style bloggers and look to them for inspiration. But honestly, I can’t think of anything more frustrating than finding a beautiful outfit only to click on links that take me to $400 tops and $800 shoes. Not once or twice, but every single look! I’m not going to be a hypocrite here because I like nice things too (see Chanel purse) and have been known to spend a pretty penny on handbags and shoes. That being said, I choose where I spend and where I save, to create a balanced, affordable look.

Take the above look, for example. This on-trend bell-sleeve off-the-shoulder top is less than $20, but it still looks amazing. My jeans and shoes are super affordable as well. Then I mix in an expensive handbag because that is where you get the most value from your look. You could be sporting a sweat suit, add an expensive bag and you’ve taken your look to the next level. Throw on these amazing earrings from Club Monaco (under $50), and your look is complete.

So, here are my 9 high-level tips for when to save and when to splurge.

Save on:

  • Super trendy items – you can get these for cheap from any of the fast fashion stores. Example, this bell sleeve OTS top 🙂
  • T-shirts – you don’t need a $150 t-shirt, no matter what anyone tells you
  • Trendy jeans – bell bottoms, super high waisted, embroidered etc. If it’s uber trendy, best to go with a cheaper pair. Topshop has amazing jeans that are affordable.
  • Shoes – if it’s trendy or colourful/printed, you need not spend a lot. Or, wait and get the designer version on sale.
  • Hats – maybe this is just me, but I see very little value in spending a lot on hats. They are seasonal and styles are very trendy. You can get them cheap and not feel bad when your toddler crushes them!

Splurge on:

  • Handbags – some brands are more worth it than others, but you can pick out a classic that will last you for years. I have so many recommendations on this one, so if you’re stuck, let me know and believe me, I would like nothing more than to help you pick!
  • Classic Jeans – I’m totally okay with spending on a few pairs of expensive denim that I deem classic. Good quality denim will last you for years
  • Shoes – I support 1 or 2 pairs of beautiful expensive shoes. Again, go with something classic, like a nude or black that you can wear often and get your money’s worth. Also, boots. You need good boots
  • Cashmere – spend on good cashmere, because it will also last you a long time. I still get it on sale, but even then it’s a splurge!

What do you guys save/splurge on? Did I miss any must-haves?

P.S. If you liked this post, go ahead and PIN this to your Pinterest board!

9 Tips on saving and splurging chanel filigree



  1. stina
    August 24, 2017 / 7:35 am

    Bras – you can’t mimic the support, fit or longevity of a good, well constructed bra with their replace every 4-6 months counterpart.
    Luggage (especially for those who travel a lot) – I’m not talking about buying an LV weekender unless that’s your jam. Good luggage is worth it’s weight in gold – lightweight, simple to manoeuvre, easy to pack and a long warranty (because planes). Plus these items go on sale all the time (up to 70% off at The Bay) so never buy regular price.

    • Maggie A.
      August 24, 2017 / 7:56 am

      Totally agree! You’re bang on with both luggage and bras! Good fitting bras – especially for us busty gals – don’t go on sale, but luggage does all the time! Great addition to the list! Xo

  2. Krissy @thoughtfullyunraveled
    August 24, 2017 / 12:38 pm

    Love these suggestions! I agree that it is good to have a plan on what items you can save on and what to splurge on. Splurging on bags are fun!

    • Maggie A.
      August 24, 2017 / 9:04 pm

      They really are! 😂

  3. August 24, 2017 / 2:57 pm

    Loving these tips so much! Also, love your top!


    • Maggie A.
      August 24, 2017 / 9:04 pm

      Thanks darling! You can’t go wrong with $20!!

    • Maggie A.
      August 24, 2017 / 9:05 pm

      Thanks and thanks for stopping by!

  4. Willow
    August 24, 2017 / 8:18 pm

    Great tips! I totally agree with all of these! And cute outfit!

    • Maggie A.
      August 31, 2017 / 12:35 am


    • Maggie A.
      August 24, 2017 / 9:05 pm

      Ugh I know! I so have a weakness for beautiful bags!

  5. certifiedpastryaficionado
    August 25, 2017 / 5:55 am

    I love this whole look! I’d pay good money for those shoes. Super cute! But I think the top is my favorite part of the outfit!

    • Maggie A.
      August 25, 2017 / 6:59 am

      Thanks lovely! Thankfully both shoes and top were sooo affordable!

    • Maggie A.
      August 31, 2017 / 12:34 am

      Hahah yes it happens to us all!

  6. August 25, 2017 / 11:00 am

    This is a great list! I completely agree!

    • Maggie A.
      August 31, 2017 / 12:33 am

      Thanks! Glad it was helpful

  7. Ashley
    August 25, 2017 / 6:21 pm

    These are great tips! Your bag is GORGEOUS! I’ve been saving to splurge on a handbag, but haven’t been able to decide which one to get!

    • Maggie A.
      August 31, 2017 / 12:33 am

      Thank you! It was a big splurge but I think totally worth it! Let me know what you end up getting!

  8. August 25, 2017 / 8:17 pm

    Such great tips! I completely agree splurge on nice hand bags and a few pairs of quality shoes and save on trendy items! Thanks so much for sharing!

    xx Auna | http://simplyauna.com

    • Maggie A.
      August 31, 2017 / 12:32 am

      Thanks for visiting and glad you agree!

  9. August 26, 2017 / 10:55 pm

    Great lists. You don’t need a $100 tshirt… is it made of dollar bills you can break down and spend. I do think you should invest in quality jeans and shoes.

    • Maggie A.
      August 31, 2017 / 12:32 am

      I know right!