I know I promised you that one day I would fill you in on all my dumb spending habits from college, but I just haven't worked up the courage yet. The whole story is still on its way, I promise.
In the meantime, let me offer you what will no doubt look like another Banana Republic-sponsored post. (It's not, I promise. I wish.)
As you may remember from this story, I am the proud owner of a Banana Republic credit card. I use it fairly infrequently, but I do my best to plan ahead and take advantage of the deals when there's something one of us needs (or just really wants).
About a month ago, we decided Dann could probably use a new pair of jeans before we head out on the road in a couple of weeks. I had just received a 30% off email from Banana, so I decided to order him a pair online.
THE NEXT DAY I got an email from Banana Republic reminding me that, since I'm a cardholder, I get 40% off one regularly-priced item EVERY WEDNESDAY. I cursed myself for not paying closer attention, then reassured myself that 10% is not really that big a difference (not the most solid logic, but it made me feel better).
I looked at my order status email and discovered that the estimated shipping date for Dann's new jeans was August 13. We're leaving town August 11. I started to feel like I was failing, not planning, and I was not happy about it.
Now, tell me if you've ever had this type of thought process: "I could probably call and cancel that order - the more expensive, useless-because-it-won't-arrive-in-time order - but that sounds like a lot of work and potentially waiting on hold on the phone, which I hate. Maybe I'll just tell my husband he's going to have to wait until we get back from the trip to have his new jeans."
Who is that lazy?
Well, I used to be. Which is partly how I ended up with debt in the first place.
Anyway, I finally decided that I should make the phone call and at least find out if canceling the order was possible.
It took 45 seconds.
So guess what happened yesterday?
I woke up to an email reminder that I could save 40% AND an email telling me that since it's my birthday month, Banana Republic was giving me $15 off any purchase I made in August!
They let me use both discounts on the same purchase, so I ended up with a new pair of jeans for Dann plus a little bottle of perfume for myself, all for less than the first pair of jeans that I had ordered online.
Now he can look good and I can smell good on the road and we saved a little bit of money.
Don't fail, people. Plan.