Yes, this is filler, mostly.
I bought some clothes yesterday. I haven’t bought clothes in years! Most of what I have is either very old, and/or bought by others as gifts, and/or given to me (new) because it didn’t fit its intended recipient. I’ve been able to make it for years with this limited wardrobe, but recently it’s become unsustainable. With the end of Winter, but not yet the beginning of Summer, I was down to two pairs of pants. At the same time, I developed a hole in the sleeve of one of my black turtlenecks, and in the sleeve of my black, button shirt. (What do you call those? A shirt with buttons.) I’m down to wearing t-shirts to work, which I don’t really like to do, even though the ones I wear are decent enough, but I just couldn’t keep alternating between the same two pairs of pants every day. So I bit the bullet, took my wife’s advice, and put the purchase on the credit card. (I don’t like using the card because it’s high and I’m trying to pay it off.)
I went to a store somewhat near where I live. I’m not mentioning the name because: 1) it’s not important; and 2) Quilas doesn’t advertise! This store has a permanent Sale section, so I knew there was a good chance I’d find something less than the original price, if not downright cheap. When I got there, I saw they were having a 40%-off sale on nearly everything. Getting to the point, I bought two pairs of pants and three shirts. I figured I could make it on four pairs of pants for now; when Summer gets here, it’ll be five.
Now I get to the purpose of this piece. When I got to the register, the total, non-sale price was $236. When I asked the woman if I got a further discount for using the credit card of another store owned by the same company (that’s probably a give-away!) she said No, but if I opened an account there, I would get an additional 30% off. Well, sign me up, I said! When she checked, she found it was only 15%, but I wasn’t going to say no to 15%. That brought my total down to $135 (I bought some socks too, which were not on sale).
But wait, there’s more! For spending over $150 (the pre-store-card amount), I received store credit of $75! Unfortunately, I couldn’t apply it to that purchase — I have to wait until mid-May to use it. I also got a 10%-off coupon that I can use any time in the next 60 days.
So, here’s my plan: I go into the store in mid-May, go to the Sale section, where 20% discounts are not uncommon, get $104 worth of stuff, minus 20%, minus 10% equals $75, making the total savings $205 — a 60% discount! You can’t beat that with a stick.
Show me a “mom-and-pop” store that can do that!
The only drawback is that I now have a new bill. Putting the purchase on my regular credit card would not have affected my monthly payment, since I would have just paid the elevated amount due, as usual. Now I will have an additional bill of $135. As luck would have it, I recently reduced my bi-monthly expenses by that very amount, so there will be no difference in the pittance I have left after paying bills, but I was hoping to have that extra money to fix the Wii, which has needed repairing for as long as I’ve needed clothes.