Monthly Archives: August 2009

Kenneth Cole’s Top 10 Rules of Style

If you’re in any sort of business where looks plays a part (which is just about any business where at some point you have face-to-face interaction with people), then you need to know about style. My personal favorite clothing designer is Kenneth Cole, so when I found an article written by him in Details magazine I definitely took a look.

I’ll give you the run-down on Kenneth Cole’s rules of style. One of the big take-aways of style is that clothing is a form of self-expression. It’s usually the first thing people see before you even open your mouth. As first impressions are usually formed within the first five minutes of meeting someone, this means it’s essential for you to get your personal style together. You’ll get better results in your business life and your personal life with just a few tips.

  1. Before you open your front door to go out into the world, take a few minutes to take a good look at yourself in the mirror. Think about what message you’re sending out with what you’re wearing. Is it exactly the message about yourself that you want others to receive? Or is there some inconsistency between your look and what you want to project? If there is, make a plan to fix it!
  2. If you’re wearing cologne/perfume, make sure you arrive before it does and make sure that it doesn’t linger when you leave.
  3. The truth is that most people don’t really dress up. The trick to look great without looking too “try-hard” is to mix a dressy look with a casual look or a rugged look with a refined look. For example, wear a blazer with your jeans or a casual top if you’re wearing dress slacks. Also, of the items you’re wearing, one item should be more tailored. If you’re going to be wearing a t-shirt, then wear cleaner jeans.
  4. Your choice in footwear  is critical. Your shoes are the most important accessory in your wardrobe – they allow your entire outfit to come together and make a huge impact in your look.
  5. Find your own “personal uniform”, then layer in something new in order to maintain the freshness of your look. For example, Kenneth Cole always wears jeans, a white shirt, and his boots. He then mixes up the rest. He may wear a white shirt, a pin-striped blazer and a V-neck sweater. Another day he may wear a graphic t-shirt, with a white shirt and a vest. However, you must always have a comfortable blazer and a white shirt in your wardrobe.
  6. If nothing else works, wear black.
  7. The accessory of the season are vests. You can use them as an element of sportswear or you can wear a vest with a suit – but make sure they’re not matching. Vests are best used to break up a suit and wear them as separates. Your suit jacket, either with or without the vest, can be worn with jeans. Your suit dress pants can be worn with sneakers, hooded sweaters, and t-shirts.
  8. Patterns and stripes need to be very subtle. You don’t want to look like you’re wearing a matched wardrobe (or that you’re an escapee from the local prison). Think about putting on a jacket that doesn’t match your pants and wearing a shirt that doesn’t match either. You don’t even need to have your belt and shoes matching, as long as your whole look seems to work together.
  9. You know you’ve put together a good look when people tell you, “You look great.” What you don’t want, is people asking you, “Where did you buy your jacket and how much were your shoes?” You want your look to help present you.
  10. You should never look like it took you more than 10 minutes to get dressed, no matter how long it actually took you.

Budgeting is Not Boring: 30 Days to a Frugal Lifestyle

I say this emphatically: Budgeting is not boring.

What makes budgeting boring for some people is that a lot of us don’t have the correct knowledge and experiences when it comes to budgeting. For example, if you went to a bowling alley and, because you had no idea how to bowl, every time you’d throw the bowling ball it would go in the gutter, then bowling would be pretty boring too right? It’s the same with budgeting. If you know the right way to do it, you gain positive experiences and budgeting can become fun. You see results (more money in your bank account) and this is definitely a fun thing!

What happens is that you start to feel accomplished in your new routine of living on a budget and the benefits that it entails. You may even look back at the “bad old days” when you used to spend your cash wildly and look back not too fondly! You take a look at those old bank statements and wonder where all the cash went.

What your new budget-conscious mindset will give you is new opportunities to do fun things in life without having to run over to the ATM machine every other day for a fresh infusion of cash into your wallet. Does frugal have to equal being bored? Not necessarily.

In order to get your new budget-conscious mindset right, I suggest you track your budget for the first few months. You can use either standard pen-and-paper or you can use any of the assortment of computer programs for this (Mint.com, Intuit Quicken, etc). After some time following your budget (again I recommend at least a couple of months writing everything down) you can think about dropping the written records and not having to write every expenditure down. The human mind takes a minimum of 30 days to get used to any new mental habit, so make sure you don’t give yourself any leeway during that first month or two to deviate from your planned budget! Once you get comfortable with your budget, you’ll be able to figure out how much you’re allowing yourself to spend on any particular category and how much you’ve already spent, all by heart. One of the big tips about fighting temptation during that first month is that whenever you feel an urge for something not budgeted (ex. new LCD television) remember what you’re saving for (ex. winter trip to Puerto Rico), imagine yourself doing that and walk away! Then replace that “urge” with something constructive (ex. watching the sports game at a friend’s house).

The bottom-line is that in order to budget effectively, you must have “budget-awareness”. This means you need to be aware of how commercial society influences people’s spending habits and you must fight these urges. A huge contributor to our materialistic culture is television – studies actually demonstrate that the more that a person watches television shows, usually the more that person will spend. Television constantly bombards the viewing public with messages of ultra-luxury beyond the grasp of the common middle-class, leaving the majority of people in debt trying to “catch up with the Joneses”. Even your friends and neighbors may affect your spending habits! Try to develop friendships with people also trying to build a debt-free frugal lifestyle in order to support your new ways. Remember that budgeting and frugal living doesn’t have to be forever – remember to reward yourself for your good work following your budget and reaching your goals!