How to look French (si tu veux!)

By Caitlin Kelly

Even some shoe soles are stylish! A brand called Freelance

 

The second you arrive in Paris — unless you’re already stylish, small and thin — you can feel like a Stegosaurus among orchids.

It’s a cliche but a true one — French men and women often dress, and design their interiors — with a terrific sense of style, and one I find endlessly interesting and inspiring.

 

Color

French clothing colors are quite different from those offered in North America, especially in the U.S., where garish primaries and brilliant pinks and turquoises predominate, especially in summer.

A French red is a soft tomato-red, not a cold blue-red, their orange slightly dusty, their yellow a soft mustard. Green is a deep emerald or teal, or a soft, pale mint, maybe even a strong chartreuse. You’ll find many more neutrals — gray, cream, beige — than in the U.S. Also, lots of great browns and rust tones, like the rich russet red of cinnamon and a lovely pale peach, the color of ballet pointe shoes.

On the streets, (where in New York you see a lot of black), you’ll see instead a dozen shades of blue.

I love their combinations, in scarves, shoes, clothing and interior fabrics: mustard/gray; navy blue/soft pink; red/gray; olive/burgundy. Clothing is often displayed by color, making it easier to find what you want, or to match outfits.

Prints

Much less popular, in general. Men and women both wear prints, but usually on a scarf or a very small-scale design shirt or blouse.

Scarves

You might not be a scarf person — but men and women of all ages here wear fantastic scarves year-round, whether of wool, cotton, linen or silk. Most are long and narrow, like a muffler, and add a note of stylish confidence.  Incredible selection everywhere, and at all price points.

Even grocery carts are chic!

Fit

Since so many American women are large — the average U.S. women’s size being a 14, (maybe a size 6 to 8 in Paris) — almost everything for sale in the States hits below the hip to disguise bulk.

Not in Paris! T’s, jackets and blouses are all cropped shorter. French armholes are also cut higher and closer to the armpit, with narrower sleeves, making for a much cleaner line, but also challenging-impossible for those with larger upper arms. Even a size Large to Extra Large can be a lot smaller than you need.

Tall men with broad shoulders may find French clothing less accommodating as well.

I have seen larger sizes for women, but at high price points — usually $200-400 for a stylish blouse or dress, found in a few indie boutiques.

Fit matters here. You won’t see baggy-assed trousers or pleated khakis on men or women, nor pants that need shortening. Attention to detail is a key element of how Frenchmen and women present themselves in public.

Shoes

Available in every conceivable color and material — from black raffia to pale pink iridescent patent leather to metallic green kidskin with a parrot on top. A jazz shoe — soft-soled, laced — is a perennial favorite, in all colors and finishes, as are loafers. You won’t see many high heels, impractical on cobbled streets.

No matter how simple her outfit, a stylish French woman chooses an interesting shoe.

There are lots of great choices for men, with a flat-soled leather or or suede boot a popular option. The Marais, long a gay neighborhood, offers fantastic options for men, and BHV Homme is an entire department store just for men.

Bags

So many bags! While some tourists drop thousands on a Big Name Designer bag like Chanel or Hermes, there are many other stylish and less-expensive options, whether  a classic French maker like Lancel, Le Tanneur or Longchamps to something more fun and funky.

Hair

A great cut and lively color are de rigueur.

Galeries Lafayette

Interiors

I lovelovelove shopping for our home here; on this trip I bought everything from napkins to bathmats to a throw for the bed, even a comforter.

I find the colors and textures so alluring, with bed linens — sometimes made of linen — offered in every color of the rainbow. If you love beautiful objects and home goods, set aside time to browse department stores BHV and (higher-end) Le Bon Marché.

Small, light packable items like salt and pepper grinders, aprons, napkins and small trays make gorgeous gifts and souvenirs.

Both of these stores have excellent cafés and if you spend more than 175 euros in one day, be sure to claim your détaxe — the 12% value-added-tax — at the store’s designated desk. You must take your passport.

For those with the budget and enough time, ($150/meter and up), you can also visit the showrooms of the Rue du Mail (as I did), a street lined with high-end interior fabric for sale, like Pierre Frey, and order some for your home. They need at least three or four days’ notice, (not including a weekend) and it allows you to bypass the annoying American gatekeeper system, where you can only buy such fabrics through a designer.

 

Some of my favorite Paris shops:

 

Irena Gregori

Every time I visit Paris, I stop in, and am still wearing and loving several garments I bought there many years ago — and I’m a size 12 to 14, so you don’t have to be tiny.  Great selection of shoes, scarves, dresses and blouses. In June, sales start and her lovely winter coats were half-off for about $200.

BHV

It’s huge! A terrific cafe sits on the top floor, offering splendid views of the surrounding area. You’ll find clothing, shoes, home goods, luggage, make-up and perfume. Check out their throw pillows and comforters; (you can always mail them home.) Their stationery and crafts section is amazing — with lots of very good art supplies.

Le Bon Marché

Le Bon Marché

This high-end department store, founded in 1838 in a quiet, mostly residential neighborhood, offers a very beautiful physical space to shop in — spacious and full of natural light. Lovely tea room and an amazing food hall!

ETAM

Affordable and pretty lingerie, sleepwear and bathing suits.

Galeries Lafayette

Huge, bustling department store, in a circular design, beneath a spectacular stained glass roof.

Calligrane

On the Rue du Pont Louis-Philippe, one of three very good paper stores all beside one another. Paper for writing letters, framing, lampshades or wrapping; also notebooks and gorgeous cardboard folders.

Diwali

This chain of stores is a must if you like scarves as much as I do, in silk, cotton and wool. Their crinkled one-color scarves are well-priced at about $20, and adding one or several to your outfit, men and women, adds a pop of Parisian panache.

 

 

10 hidden treasures of New York City

By Caitlin Kelly

 

Now this is how to sell clothes! Baby in the window at 9th Street Haberdashery, one of the city’s best-edited vintage clothing stores

I moved to New York in 1989. Although I live in a lovely town 25 miles north of Manhattan, I can clearly see its southernmost towers from my street.

I love heading into the city — and that’s what locals call it, The City, (as if there were no other!) — to explore.

There are many treasures to discover, even after you’ve lived here for decades, many of them simply by walking slowly and by heading far away from the official sights.

Yes, the Empire State Building, Rockefeller Center and Statue of Liberty, (to name only three), are worth a visit for the first-time visitor,  but my favorite spots are much quieter and have few tourists.

Everyone heads to midtown: Fifth Avenue, Times Square, etc. — but I avoid midtown whenever possible, and feel sorry for the millions of tourists who wander there, dazed and crushed, buying junk from every mass-market store they have at home in Iowa or, worse, all the shops whose Going Out of Business!!! signs have been there for decades.

Why come to New York City to eat at tedious chain restaurants and look at the same boring made-in-China stuff you can buy at home?

Head (far) off the beaten path — yes, it’s safe!

A great doorway on East 9th Street, NYC

East 9th Street

I love this street; here’s a story that calls it the Fifth Avenue of small business. I like its intimate scale, its battered metal fences and indie stores, the few holdouts of quirk and individuality in a city whose rents skyrocket so insanely that decades-established places disappear overnight as landlords demand fees only possible for large corporations offering…the same old things.

People actually live here, too.

Here you’ll find well-curated vintage, one of my favorite home stores, (14 years and counting), a few cafes and a quiet, affordable streetscape that reminds us that New York isn’t, (for the moment!), just an Uber-studded playground of the 1 percent.

Start at the street’s eastern end and allow at least an hour or more to really explore. When you reach Veselka, on Second Avenue, collapse at the counter for their fab home-made pea soup or pierogies. It’s an institution, serving yummy food since 1954.

Tugboats!

It’s easy to forget — or not even realize — that the island of Manhattan is surrounded by water. It’s a busy working harbor, with enormous cruise ships docking in the Hudson River and barges of coal, cement and other materials being towed or pushed along our waterways by tugboats.

Those cruise ships only get in and out of here thanks to the amazing skill of tugboat operators, one of whom allowed me to spend a day aboard for a Daily News story. Best day in New York, ever! I had no idea how shallow and treacherous the waters here are nor how much power these little boats actually possess.

Take a seat on one of the many benches along the Hudson and watch these wondrous watery workhorses do their thing, day or night.

Cafe Sabarsky

If you’ve been to a Viennese cafe, this is how it looks, sounds, feels and tastes — from the long wooden rods holding newspapers to the coffee with whipped cream. This bastion of old-world elegance, available for lunch or dinner, is in the Beaux Arts mansion of the Neue Galerie, one of my favorite NYC museums, devoted to the work of the Viennese Secessionists, Klimt, Kokoschka and Schiele.

Peridance Capezio Center

I just discovered them — by accident, of course! This huge dance studio offers dozens of classes open to adults, and has lockers, showers and a small cafe in the lobby.

If you’re sick of your hotel gym and don’t feel like walking one.more.block, why not try a class? They sell clothes and shoes in the downstairs shop. It’s on East 13th., a few minutes’ walk southeast from the Union Square subway stop.

One of my happiest travel memories ever was taking a ballet class in Paris. We stared up at 18th century painted beams and stared out the windows at the brightly colored facade of the Pompidou Center. Merveilleux!

Morris-Jumel Mansion

Built in 1765, this home sits in a part of Manhattan — Harlem — that few tourists might normally choose to visit. It’s the oldest house in the city and filled with art and artifacts relating to the city’s history. I knew it existed but only saw it when we went to visit friends living a block away.

It’s gorgeous — and the setting is lovely.

Looking through the window of The Upper Rust, East 9th. One of the city’s best shops

Japan Society

Have you ever been to East 47th street? Likely not. But it’s well worth a detour to this small museum, founded in 1907, with a lovely indoor garden.

Some of the best shows I’ve even seen in this city have been here, from hair combs to ceramics. Their current exhibition offers photos from 1968 to 1979. (Take a look at the exquisite modern church next door.)

 

Another great vintage store on East 9th. Tiny but lots of great things at not-too-bad prices

Hairhoppers

OK, shameless plug for my hairdresser, Alex. He’s been in business for decades and his three-chair salon, now on the south side of Grove Street, (right at the Christopher Street 1/9 subway station), is about the size of our (not very big!) bedroom.

I love the variety of his clients, from little old ladies who arrive with their home care aides to Wall Street machers to museum curators. I once sat beside a career musician who would be playing that evening on the Grammy broadcast.

You won’t go home bragging about some Big Name haircut or color. But you’ll get a great cut and/or color, for men and women, for a fair price and enjoy some lively conversation with some of the city’s most interesting and creative people.

If you go, tell him I sent you!

Landmark Tavern

A place many tourists will never visit or even hear of, even though it’s been in existence since 1868. Located on 12th Avenue, (i.e. the outermost western edge of Manhattan), it’s like stepping back a century.

I discovered it years ago attending an office Christmas party held upstairs and enjoy its timeless quality. Flee those exhausting midtown crowds and settle in with a Guinness and shepherd’s pie.

Tinsel Trading Company/M & J Trimming

If you, like me, love beautiful ribbons, beads and other elements of crafting and design, this 86-year-old shop is it.

If you can’t find a ribbon here, give up! This store, frequented by everyone from FIT design students to Browadway costume designers, is stocked floor to ceiling with every color, style, fabric and width imaginable. They also sell badges, buttons, leather and suede cording and upholstery trim.

Aedes de Venustas

If you’re as crazy about delicious and unusual fragrance as I am — whether for men or women, in candle form, perfume, soap or men’s fragrance — this is not to be missed. It’s on the south side of Christopher Street, (about four blocks east of Hairhoppers), and offers a fantastic array of choice.

Here’s a recent book filled with more cool suggestions as well.

I haven’t read it — but he mentions two sites — The Ford Foundation’s indoor jungle and the Daily News’ Art Deco globe — I’ve seen on business visits to each place. Both are well worth seeing.

Do you have a favorite and lesser-known spot worth visiting in New York?

Would you rather buy more stuff — or have more fun?

By Caitlin Kelly

This piece in The New York Times piqued my interest:

American consumers are putting what little extra money they do have to spend each month into eating out, upgrading their cars or fixing up their homes, as well as spending on sports gear, health and beauty. Spending at restaurants and bars has jumped more than 9 percent this year through July compared with the same period last year, and on autos by more than 7 percent, according to the agency.

Analysts say a wider shift is afoot in the mind of the American consumer, spurred by the popularity of a growing body of scientific studies that appear to show that experiences, not objects, bring the most happiness. The Internet is bursting with the “Buy Experiences, Not Things” type of stories that could give retailing executives nightmares.

Millennials — the 20- and 30-something consumers whom marketers covet — would rather spend their hard-won cash on out-of-town vacations, meals with friends, gym memberships and, of course, their smartphones, many surveys suggest.

More stuff!

I’ve been thinking about this a lot as we’re finally, gratefully, at a point in our lives we need very little additional stuff. We’ve renovated two rooms of our apartment and own an array of sports gear, art supplies, camera equipment, the things we use for pleasure and for work. (We do need to replace our old car.)

It’s a huge relief.

I’ve never been a mall rat, the sort of person whose favorite activity is shopping. I enjoy it and sometimes take an entire day to do it, but rarely come home with more than one or two things, and usually nothing huge or expensive.

Like everyone, I have specific weaknesses — anything seriously antique, jewelry and lovely things for setting a pretty table.

One of the most fun things you can possibly do — dance at 7am! Daybreaker, in NYC

We’ve also saved really hard for years for our retirement, so can now release a bit more of our income for pleasure; saving 15 per cent a year is no fun, but — yes, really — it adds up.

I’m more eager now to spend what extra money we earn on travel, dining out, enjoying the many plays, concerts, dance performances and conferences available to us in and near New York City. We do not have children or grandchildren, nor, as many of our younger friends do, huge student debts to discharge. Frankly, we feel like outliers — we are very far from 1%ers but we’re not panicked about money the way many people are; the average American has saved stunningly little for retirement.

A ticket to the theater is a joy — and privilege

In the next few months, we’ll attend a weekend workshop (for business purposes); travel back to Canada (by car), attend a few shows and concerts. We hope to be back in Europe after Christmas for several weeks.

My Dad heads off soon for a month sailing with a friend in Greece; at 86, with a new hip, he’s lucky enough to have the good health, strength and finances to keep enjoying his life. In this regard, he’s very much a role model.

How many things do you want to own? How many experiences would you like to enjoy?

Unless you’re wealthy, every expenditure of money means making a choice — the time needed to invest in earning the taxable income to buy the stuff, store the stuff, clean and polish and upgrade the stuff — or an amazing afternoon/evening/week/month/year creating indelible memories.

We spent a recent Sunday in Manhattan (a 40 minute trip into the city from our home) seeing a show, On The Town, on Broadway, and splurged on box seats, at $101 each. I felt like royalty — they offered amazing sightlines and no squished knees; we sat in comfortable elegant Louis XIV-style armchairs. Before the show, we stopped in at Sardi’s, the classic, old-school bar and restaurant, for a Bloody Mary and a snack.

What a lovely, lovely day, creating memories we’ll cherish for years to come.

I’ve never once regretted any of the money I’ve spent on travel or meals or a day of skiing or a game of golf. But I’ve deeply regretted the money I’ve wasted on a pair of too-high heels (worn once!), clothing that just looked like hell or a really boring book that was, after all, a best-seller.

Sunrise from our friend’s bedroom window in Maine

Nothing that arrives in a box or bag is ever as pleasurable and satisfying to me as walking down a Paris street or having tea with a friend in London or catching up face to face with my sister-in-law in Toronto over a very long lunch.

How about you?

What makes you happier — stuff or experiences?

Any good ones you can share?

What to pack for a three-week summer trip, city and country

By Caitlin Kelly

First admission — we brought with us an empty duffel bag to contain our purchases, which cost us an additional 70 euros overweight charges (about $85.)

But my suitcase came in five kilos below the weight limit on our way to Ireland for three weeks’ holiday while Jose’s came in .7 kilos over, thanks to a lot of heavy camera equipment. (He is a professional photographer, after all.)

When I travel, and knowing everyone has their own style, I prefer to dress well when in European cities, (and all cities, really.)

I hate “looking like a tourist”  — I saw many women my age wearing T-shirts, thick-soled running shoes and hiking clothing in a stylish urban place. Because I work alone at home in sloppy casual clothing anyway, travel offers me a nice chance to dress up. So, when in town in Dublin, I wore skirts or dresses and flat shoes. I didn’t pack a rain jacket (I find them clammy) and knew I could buy one there if I needed it — we enjoyed the driest Dublin June in 40 years!

I also would come back to our hotel sweaty and tired after a day’s exploring, so always wanted to change into fresh, clean clothing for dinner.

Jose typically wore dress shirts and khakis or nice jeans, with a great pair of Vans denim sneakers or, in the country, hiking boots. He also brought a lightweight navy blue blazer for dinners out and brought two ties.

In the country, I wore yoga pants and long-sleeved T-shirts and sneakers.

Before we left, I scored some great clothing at the Canadian store Aritizia, whose clothes are affordable, stylish, simple, comfortable and washable, perfect for travel.

I brought:

three dresses (here’s one of them, although mine is a deep burgundy, which I had shipped to NY from their Chicago store)

two skirts

five cotton long-sleeved T-shirts (could have done with three)

Fleece came in handy when playing golf in 19 mph winds (yes, I checked!)

a warm fleece (Patagonia)

one short-sleeved cotton T (for working out or hiking)

one dressy black T shirt

one black duster (long jacket)

one pair of flat sandals, one pair of light mesh sneakers (Merrells), two pair of black leather flats

bathing suit (unused!)

cotton nightgown

a small portable umbrella

a pair of leggings (worn for hiking, relaxing, golf)

two pair of yoga pants (dark gray, dark brown), worn as trousers

three light sweaters, (one cardigan would have been enough)

two purses, one dressy, one casual

two necklaces and other jewelry

five scarves (very well used!)

Also useful?

Binoculars, a headlamp (for reading in bed) and a very tiny pocketknife (which cut a lemon into slices for our in-room end-of-day gin & tonics!) I also brought a small sketchbook, pocket-sized watercolor kit, colored pencils, several brushes and a pencil.

Depending on your budget and sense of style, I love almost everything from this American, woman-owned company, Title Nine (nope, I get nothing for saying so), from great sports bras to bathing suits to sneakers to casual/comfortable/stylish skirts and dresses perfect for summer travel.

(For non-Americans, the company name is familiar to and beloved by all athletic women, named for a piece of 1972 federal legislation that decreed equal opportunity and funding for female athletes in U.S. educational institutions receiving federal funds.)

If you’re planning a winter vacation of any length, here’s my post from Paris last winter, detailing what I took for a month in Paris and London, and which worked perfectly in frigid temperatures in two of the world’s most stylish cities.

A little retail therapy

So…what came back with us in that duffel bag?

Because I’m a voracious reader, some unread Irish and UK newspapers and magazines, (lots of story ideas in there!), guidebooks, maps.

In Dublin, on sale, Jose scored two gorgeous blazers and two shirts; in Ardara, a thick wool turtleneck sweater. We bought two copies of a book illustrated by artist Pete Hogan — whose watercolor work we admired hanging from the fence around Merrion Square one afternoon. We had a great conversation with him and he allowed me to photograph his paintbox.

I bought little in Ireland, which is unusual for me (and I did hit the sales!): a pair of olive suede sneakers, (84 euros, made in Portugal), several books, five antique forks and an antique Indian bag and a purple wool sweater for a fat five euros at the flea market.

I also bought, (yes, weirdly), a pile of great/affordable lingerie at Brown Thomas, Dublin’s poshest department store and at Marks & Spencer. Much nicer quality and lower prices than here in New York!

Soooo comfortable! They’re called Softinos

This was a journey documented with many photos, some of which you’ve seen here, and memories and new and renewed friendships. Ireland has many very beautiful objects for sale — from wool scarves, hats, sweaters and throws to ceramics, glass and porcelain.

Maybe next time.

Do you travel in style?

Any tips?

What are your skills really worth?

By Caitlin Kelly

In a time when American CEOs now, unapologetically, take home 354 times the wage of their average worker, what we earn is finally becoming a larger part of the national conversation.

From this week’s New York Times, an op-ed by New York governor Andrew Cuomo:

President Franklin D. Roosevelt made the minimum wage a national law in 1938. Years earlier, he said, “By living wages, I mean more than a bare subsistence level — I mean the wages of a decent living.” But minimum wages have not kept pace with the rising cost of living.

Nowhere is the income gap more extreme and obnoxious than in the fast-food industry. Fast-food C.E.O.s are among the highest-paid corporate executives. The average fast-food C.E.O. made $23.8 million in 2013, more than quadruple the average from 2000 (adjusting for inflation). Meanwhile, entry-level food-service workers in New York State earn, on average, $16,920 per year, which at a 40-hour week amounts to $8.50 an hour. Nationally, wages for fast-food workers have increased 0.3 percent since 2000 (again, adjusting for inflation).

Many assume that fast-food workers are mostly teenagers who want to earn extra spending money. On the contrary, 73 percent are women, 70 percent are over the age of 20, and more than two-thirds are raising a child and are the primary wage earners in their family.

I spent 2.5 years — part-time, one shift a week except for holidays — as a retail sales associate for The North Face, selling $600 ski jackets to hedge fund managers from Greenwich, CT headed out to Aspen for their vacation. I made, from 2007 to 2009, $11/hour, a wage some in the U.S. — whose federal minimum is still a paltry $7.25/hour — consider munificent.

I did it because I needed a steady income, even a small one, in the depths of the Great Recession. It was, to say the least, eye-opening, to work for low wages and see how little they bought.

I wrote my last book, Malled: My Unintentional Career in Retail, about this life, including many interviews with other such workers across the U.S.

Many customer-facing jobs, often in retail, food service and hospitality, are deemed “low skill.”

Which — as anyone who’s done one of them — knows is utter bullshit.

Some of the many skills you need to do this work include:

— patience

— excellent listener

— empathy for/with your customer and their needs

— the ability to quickly pick up, retain and use information

— calm under pressure

— multi-tasking gracefully and competently

— physical stamina

— emotional stamina

— how to initiate and close a sale

Have you heard the phrase “emotional labor”?

It’s the expectation of customers and management that, even if your feet are swollen and painful from eight hours standing/running/walking without a break, even if you feel ill or nauseated or had to re-open the store barely hours after you closed it (and cleaned the toilets) — you’re happy. Smiling. Perky.

Riiiiiiiight.

One of the least amusing aspects of working through the holiday season, when wealthy shoppers in our affluent suburban New York mall entered the store already laden with pontoons of loaded shopping bags, was being told to be nice(r.)

All the time.

This, as you face long lines of shoppers who, by the time you can help them — (stores cut labor costs by under-staffing, even during busy periods), are pissed off and taking it out on you — not the staffing/scheduling software your company paid millions for.

That’s emotional labor.

Malled’s Chinese version

There’s a current trend in the U.S. — where labor union participation remains at an all-time low despite record corporate profits and stagnant wages — called Fight for 15.

The movement wants a wage of $15/hour for low-wage work; a day or week’s wages for workers in places like India, China, Nicaragua — where they make most of the clothes we sell and wear.

But it’s still very little income if you live in a large American city.

I’m forever fascinated by what people are paid and how they — and others — value their skills. Most of us have to work to earn a living, and many of us will do so for decades. Most of our lives will be spent earning an income for the skills we have acquired.

Time is money!

As a fulltime freelancer, knowing how to negotiate is one of my top skills.

It’s also a skill many women fail to acquire or practice — women offered a salary far too often say “Thanks!”, grab it and begin.

Men, statistically, have been shown to negotiate for more. They also get it.

You don’t ask — you don’t get.

One of my favorite books on this issue is called Women Don’t Ask, and I highly recommend it.

I grew up in a family of freelancers and have also spent much of my journalism career without a paycheck.

I know that negotiating is every bit as essential to my income as knowing how to write well and meet a deadline.

One example: a major magazine assigns me a story, the fee $2,400. The “kill fee”, i.e. if the story cannot be used, was $600 — a loss of three-quarters of my income. Nope, I said. They raised it to $1,000. The story, for reasons completely beyond my control, couldn’t be used; they offered me more than the agreed-upon fee.

But what if I hadn’t asked for more in the first place?

I also network, every single day, with other writers at my level; only by sharing information, candidly, can we know what people are actually paying — and not just jump at the first lowball offer.

You also need to be extremely honest with yourself and know what the current marketplace most values in your industry; if your skills are weak or out-of-date, you’re not going to be able to effectively compete and negotiate for more.

It’s scary to operate without a safety net, the security of a paycheck and paid sick days. But I thrive on the freedom to set my own hours, to work when and where and for whom and for how long I deem necessary. I set my own hourly rate — $225/hour with a one-hour minimum for coaching and consulting — and work only with clients I know will help me meet my goals, both intellectual and financial.

It’s a sadly American mindset, in a nation addicted to freedom and liberty, to see how dismissively many workers are treated and how little they’re paid.

And how many put up with it.

Visiting London, Paris or New York? Some helpful tips

By Caitlin Kelly

Remember to take a break — and just enjoy being there!

I recently re-visited Paris, staying three weeks, and London, staying for one. I live just north of New York City, and have for decades, so know the city well as I am there several times a week.

As three of the most popular cities in the world for tourists — and enormous, bustling multi-borough metropolises — they’re also tricky, costly, tiring and confusing for the unwary or unprepared.

Here are 20 money-saving tips from a young woman who has traveled Europe on a budget; many of hers are the same as mine, like renting a home, walking everywhere and slowing down to truly savor your meals.

Here’s a super-trendy/stylish list of things to do/see/try in the Marais from lifestyle blog Lonny.

Here are a few of my tips…

Transportation

Getting in and out of these three cities, and around them while staying there, can feel overwhelming. It’s not. Download whatever apps work best for you (I am not an apps person!) or, as I do, grab a few really good maps, including separate maps of the bus and subway systems. Study them in bright light at your leisure — i.e. not in the dark/wind/rain when you look like a gormless tourist inviting thieves to snatch your purse, backback, phone or suitcase.

In London and Paris, the lines have names; in Paris for the final destination, and in Paris they also have numbers. In NYC, they have numbers or letters — the L, the Q, the 4. The problem with NYC? Sometimes they go express and you’ll have to get out before the stop you had planned.

I was heartened in Paris and London to see sliding glass panels at some station platforms that open in concert with the train’s doors — which prevent the horror of suicide or homicide. In NYC, which has nothing so civilized, be careful. I can’t say this too strongly; people have been shoved onto the tracks and killed by mentally-ill people standing near them. Stand as far back as possible from the platform edge and be aware of who is near you.

In Paris, you might take a horse-drawn carriage

Cabs cost a fortune in London, less so in Paris and are not terrible in New York. In NYC, you’ll see bright green cabs — they won’t stop for you if you’re in Manhattan as they are designated for the outer boroughs. You’ll also go crazy around 4:30 p.m. trying to hail a cab as that’s the time of shift change and many are racing to the garage.

Take the bus whenever possible. You’ll see so much more of the city and start to understand its geography. Buy a weekly transit pass in each city to save money and speed you up; in New York, you slide your Metrocard to enter the subway, dip it when entering a bus.

Spent my life on the London Underground, using my Oyster card. Love this shadowy reference to Sherlock Holmes

Remember that others work there and are weary/late/in a hurry. Don’t hog seats/space with your bags and packpack!

When walking do not, ever, walk slooooooooowly and in a large pack of bodies that spans the width of the sidewalk. It’s rude, dangerous and obstructive. Nor should you abruptly stop dead in the middle of the sidewalk or stairs or the entrance to the subway. We’re in a hurry, dammit!

This was our dinner for a few early nights at home…

Lodging

It’s too easy to assume your default setting of hotel/Air BnB/couchsurfing. How about house or apartment-sitting? A home exchange?

As I blogged here earlier, I spent my three Paris weeks in two people’s homes, both of them professional photographers and photo editors, (hence, great taste!) It was so much more relaxing for me to lounge away my mornings at the kitchen table or dining table, reading the paper or a book. I was able to spread my stuff out, do laundry, cook my own meals — and listen to music as loudly as seemed prudent.

In short, I felt truly at home in a foreign city. I loved food shopping, coming home with my baguette and gooey hunk of Reblochon (cheese) and some fresh figs for breakfast. I bought several sorts of loose tea and enjoyed it as well.

Unless I can afford a really lovely hotel, I’d rather rent a place.

Shopping

A whole set of blog posts on its own!

If you love antiques as much as I do, you’ll quickly suss out the best vintage stores and flea markets in these three cities; in Paris, I scored a gorgeous fedora and 80s earrings at Eponyme in the 11th and was deeply disappointed by the sky-high prices at the flea market at Clignancourt. In Manhattan, check out the East Village — East 7th and East 9th — for lots of vintage and some great indie shops; I just discovered Haberdashery on East 9th. Heaven! It has one of the best-edited collections of serious vintage I’ve ever seen.

All three cities offer boatloads of style from smart, savvy retailers, whether the fabric department in London at Liberty (swoon) or the jewelry in Manhattan at Barney’s (bring a Brinks truck full of money.) Pick a cool/chic neighborhood and spend a leisurely afternoon exploring it, whether Williamsburg in Brooklyn, Marylebone High Street in London or the 6th or Marais in Paris.

Don’t forget — you can, (as I did twice on that trip) — box and ship home your new things from the local post office or a bunch of your less-needed clothes/shoes to make room/reduce weight in your suitcase; mine weighed just one pound below the limit when I returned!

 

Dress

These are three of the world’s most stylish cities. Sure you can schlub around in baggy pants and white sneakers and bright pink nylon, but you might as well wave a flag shouting “Tourist!”

Stop by this terrific chain store in Paris and select a few gorgeous scarves, for men and women

Many of their residents take serious pride and pleasure in how they present themselves, whether the hipsters of Willamsburg or the Sloanies of London. In NYC, assume that wearing black makes for good native camouflage; women favor a good, fresh manicure (easily acquired in many affordable nail salons), and haircut, with polish in cool dark non-frosted shades or pale.

Parisian women, and men, are justifiably known for their style and it’s easy enough to fit in if that’s fun for you. Women rarely wear prints or leggings and many sport truly eye-catching accessories — an unusual hat, a terrific muffler, interesting shoes. I rarely saw anyone wearing high heels; cobblestone streets chew them up. Many men, of all ages, also wear mufflers or scarves to add a dash of color and texture. Look for unusual color combinations and flashes of wit — a lavender sock, a tangerine pair of gloves.

Looking down the stairs at Fortnum & Mason, London

London men, especially, dress with care: narrow-toe, highly-polished leather shoes, narrow trousers, a great briefcase. Women dress more eccentrically and playfully there than in Paris or New York — all black in London and Paris just feels sad and lacks imagination, while the pom-pom-studded skirt I saw on the Tube in London would raise dubious eyebrows in much of New York.

Staying dry/warm

Bring an umbrella to all three cities! In a month, (late December to late January), I faced a frigid low of 33 F to a high of almost 50. London was more humid. A small umbrella, (with a sealable Ziploc bag for when it’s soaked and you need to tuck it into your bag or backpack), is a must.

To stay warm, I’m a big fan of cashmere, even socks, mitts, scarf and/or hat. Light and silky, it’s super-warm but not bulky. Add a thin layer of polypro or silk beneath your clothes on the bitterest of days. Woolen tights aren’t easy to find in the U.S. but also make a big difference.

Oh, go on!

Eating and drinking

London will bankrupt you! I have little great advice other than…expect it and bring money. I save hard for my vacations and refuse to make myself miserable, so I mix up splurges, (a cup of tea at the Ritz in London [not the full tea!] for about $10) and a cocktail in their gob-smacking gorgeous bar for $30), with a quick cheap sandwich for lunch.

Keep in mind that museums and art galleries often have excellent dining facilities; I loved my lunch at Tate Modern,

A cup of tea at the Ritz in London

Paris restaurants typically offer a plat du jour, always less costly than dinner.  For about $15 to $20, you can enjoy a hot meal of two or even three courses. Wine can be a little as five euros a glass — about $7. Enjoy!

New York City has a terrifically wide array of options, from the hautest of elegant bars and restaurants to the usual national chains like Olive Garden, Friday’s, etc. The city excels at diners, old-school, all-service restaurants whose enormous laminated menus go on for pages. Few things make me as happy as settling in at the battered Formica counter, (look for a shelf or a hook beneath it to hang your purse or pack so no one can grab it and run), and eating there. Try Neil’s, at 70th and Lexington, or Veselka, on the Lower East Side, in business since 1954.

Mix it up! In New York, dress to the nines and savor a cocktail at classic spots like Bemelman’s, The Campbell Apartment or the Oyster Bar. Go casual to a 100+-year-old bar like Fanelli’s , Old Town or the Landmark. The city also offers lovely, quiet tea-rooms like Bosie in the West Village and dozens of cafes. Head uptown to the Neue Galerie’s Cafe Sabarsky. Heaven!

For breakfast, head to Carmine Street and enjoy The Grey Dog.

Whatever you do, flee midtown: boring, crowded, filled with tourists.

When you’re a visitor with limited time, it’s tempting to rush around all day and forget how tired, hungry and thirsty you’ll end up.  Allow for a two-hour lunch or a glass of wine or an espresso sitting outdoors in a Paris cafe — which has heaters for the winter. Slow down.

And do not keeping staring into your bloody phone. Just….be there.

One of my Paris faves…

 Read about your city!

These might be histories, or fiction or guidebooks. I always take my London A-Z, (a highly detailed set of maps), and my Plan de Paris, (ditto), both of which are small and slide into a pocket or purse easily.

I treat myself each time to a new and quirky specialist guidebook; this one breaks huge, overwhelming London into its many villages. 

There are, of course, dozens of great blogs written by savvy, stylish people living in each of these cities whose posts will be timely and give you all sorts of fun ideas; I like Small Dog Syndrome for London and Juliet in Paris (whose August 2014 posts about London were super-helpful and detailed.)

Pick up the local newspapers; in New York, compare the New York Times, New York Post and New York Daily News to get a real picture of this city’s diversity; in London, the Guardian, Times and Daily Mail; in Paris (if you read French), Le Monde, and Liberation. The letters to the editor, alone, offer some serious insights into what people all around you are thinking and care most about.

Yes, you can read online but don’t. Go old-school and savor it.

Gives you something to tuck under your arm, and look like you belong!

 

Shopping in Paris…

By Caitlin Kelly

Galeries Lafayette. Gorgeous but tiring!

If you enjoy shopping, this is your city! Especially between January 7 and February 15, during “les soldes” one of the two citywide annual sales. (The other is in June.)

There are few things not to buy here, and so many temptations, from stunning foulards (mufflers), worn by men and women of all ages, to exquisite teas and chocolates, mustards and other culinary lovelies. Perfume! Shoes! Jewelry!

Not to mention things you never realized you really needed until you see them….like this Babar hot water bottle cover.

I’ve been running around my favorite neighborhoods seeking a few treasures to bring home.

It’s been…interesting.

I went to Galeries Lafayette, despite the sniffy disapproval of a local who said, “It’s only for tourists.” Um, she was right. It was a madhouse and not nearly as much fun or appealing as I remembered from my last soldes there, (still wearing a gorgeous pair of sandals from seven years ago.)

There was a man guarding the small area devoted to Longchamp handbags and a pretty stunning selection but I found nothing that said “Buy me!”

I finally tried on a pair of great-looking soft red suede boots, ankle high, with a zipper up the back.

Then the zipper broke and I couldn’t get them off.

Holy shit.

Four salespeople joked, “Oh, now you have to buy them!” and finally a strong man with a large pair of very sharp scissors cut me out of them. That was a first, and, I hope, a last. Merde! (No, I didn’t have to buy them and they were extremely kind about it.)

I have a few categories of things I’m always on the hunt for: textiles for our home; clothing; shoes; accessories; lovely things for entertaining (tableware, napkins.) When traveling, I don’t look at books (too heavy) or electronics or much artwork (difficult to get home and we already have plenty.)

If you love people-watching — and getting inspired by what you see — this is the place. Women here, whatever their age, (and women over 40 consistently seem to look the best), take great care with their appearance and it’s fantastic to see.

Unlike New York, there’s no slavish attachment to the same tedious and tired logos — Michael Kors, North Face, Coach — or the usual Big Name Designers people in New York use to flaunt their wealth, like Prada, Gucci, Goyard and Vuitton.

Here, instead, you’ll see some of the French classics, like Longchamps and Lancaster (handbags) but will also see a much wider range of colors, textures and styles.

Women, and men, are very definite in their own specific look, whether their hair is loose and gray, and they’re wearing Converse, (sneakers are called “les baskets”) or they’re blonde, sleek and soignee. Their self-confidence is lovely and you can quickly pick up style pointers just by observing them discreetly.

So far I’ve bought:

1) a chocolate brown dress from Irina Gregory, a fave shop in the Marais; 2) several scarves; 3) a small canvas handbag I sling bandolier-style across my body; 4) a thick black-and-white sweater/jacket; 5) a thin rust-colored mohair sweater and 6) matching color T-shirt to wear beneath it; 7) two bright chartreuse linen pillow cases; 8) a dark brown vintage fedora; 9) fab 80s’ earrings; 10) two presents for my husband and 11) a fountain pen and multiple cartridges 12) two small pouches for organizing; one for change and one for loose ends, like pills and fountain pen and lipstick. (The small one is velvet, a great choice as I can know it by feel when rummaging in a crowded carryall.) 13 A bottle of Hermes Voyage, a perfume of theirs I wasn’t familiar with.

I’ve already picked up on a classic French style trend — sticking to a palette of colors that are flattering and go well together. French women wear a veritable rainbow of colors, but many of them wear a delicious mix of camel, cream, navy, black and gray. They may add a burgundy or olive boot, or a pale blue scarf. Very few women, anywhere here, wear prints, unless it’s a fantastic oversize houndstooth coat or jacket.

I had another retail mishap (what the hell?) after walking down the Rue de Rennes.

As I settled into a cafe for lunch, a woman at the next table pointed, aghast, (and smiling sympathetically) at my new jacket, made of thickly woven fabric….in its folds I had snagged a camisole, still on its plastic hanger, and walked out of the store with it attached to me. No one noticed. So attractive!

Where to shop?

Les Grand Boulevards

This is where all the major department stores are: crowded as hell but with lots of selection and multiple places to sit down and eat a good meal to regain your stamina. You can also get your “detaxe”, VAT refund of 12% right there if you spend more than 175 euros in one day and are returning to a non-EU country. The biggies are Galeries Lafayette, BHV, Printemps and Au Bon Marche (in the 6th.) For a totally different world, try Franck & Fils, in the 16th., a quiet and elegant residential neighborhood.

The Marais

Irresistible. The tiny, winding streets are charming and filled with boutiques, not the usual chain suspects. Everyone loves Agnes B (too plain for me). I discovered Miller et Bertaux, pricey but gorgeously simple women’s clothing. I like Irina Gregory, clearly. Just to weep gently and silently, visit L’Eclaireur; everything is exquisite, costly and edited. The space alone is worth seeing.

The 6th

You just have to walk…lots of goodies. Fragonard offers lovely bathrobes and bath items. Sabre has cutlery in every possible color of the rainbow, including stripes and polka dots. But also really beautiful wood-handled ones as well. TwinSet has clothes for petite women who love a bit of ruffle and are unabashedly feminine; the line is Italian and so pretty! St. Laurent sits on Place St. Sulpice. I loved the stuff at American Vintage (which is not, confusingly) vintage at all; fantastic colors in T-shirts, fluffy oversize sweaters and cotton, wool and gauze mufflers. You must visit Souleiado, which has the most beautiful Provencal fabrics in every iteration, including men’s and women’s clothing, tableware and others.

The 7th

It’s an upscale residential neighborhood, so the pickings are slim, but very nice. Petit Bateau sells high-quality T-shirts (and great kids’ clothes) on Rue de Grenelle. I scored a lovely fountain pen and my discounted pillow cases on the same street.

The flea market

Meh. I never thought I’d say it, but…meh. Most people go to Porte de Clignancourt, as I did, which is huge and divided into many smaller markets. Unless you’re buying furniture, lighting or art, though, you’re going to Vernaison, which I found just really overpriced. (I did much better at Eponyme, a small but great vintage shop in the 11th.)

Score!

Vintage

If you have the time and patience, Paris is loaded with vintage shops, some of them with crazy-low prices — like 10 euros for a shirt or sweater ($12-15.) Go to Eponyme, 7 rue Paul Bert in the 11th; the owner is a treasure and speaks English. Great prices.

Accessories

Too many to name! I love Diwali, a chain of stores selling terrific cotton, silk and wool scarves and mufflers (and jewelry.) Well-priced in every color of the rainbow.  The narrow one-way street running the length of Ile St. Louis is lined with lovely shops selling handbags, gloves, hats, great-looking costume jewelry.

Contrary to popular belief, you don’t have to buy Big French Names (like Hermes, Chanel) — unless, of course you have pots of money and they’re your style.

I get much more pleasure from some of my smaller, quirkier purchases I’ve made here over the years — a polka dot apron from BHV, a crinkled duster coat from Irina Gregory, a fab poster by the classic cartoonist Sempe and three burgundy striped votive holders.

You’ll notice I’ve skipped the legendary strips of the Champs Elysees and Faubourg St. Honore; the latter is lined with every possible designer and well worth it, if your budget allows.

Have fun!

A brief meditation on the Restoration Hardware catalog

By Caitlin Kelly

And so it arrived — all 4.5 inches of it — and all seven editions:

Have you seen it?

For those of you living beyond the U.S., RH offers one-stop shopping for all manner of weathered, patinated objects, from enormous replicas of German lighting and railway clocks to a wall-hung glowing ampersand. (Do I really want to sleep beside a piece of punctuation?)

The tone is regal, imperial, seigneurial — and the scale of many of the objects and furniture designed for people who inhabit extremely large homes and estates. Their catalog named “small spaces” offers tableaux named for a Chelsea penthouse and Tribeca loft, each of whose entry point is about $2 million, in cash.

It’s exhaustingly aspirational, and references abound to “landed gentry” and “boarding school”, clearly meant to appeal to people who have experience of neither. (As Downton Abbey’s Lady Mary said, witheringly, to her self-made suitor, Sir Richard Carlisle: “Your lot buys things. Mine inherits them.”)

What to make of it all?

1) Fly into shopping frenzy, wanting allofitrightnow!

2) Read the descriptions in wonder and dismay:

“Crafted with Italian Berkshire leather…” — it’s an ice bucket, people. And it’s $199.

3) Sneer at the hopeless addiction to more stuff it inculcates and rewards

4) Dog-ear a few of the pages, however guiltily, because some of it — yes — is really gorgeous, like this bed, oddly featured in the baby and child catalog.

5) Wonder why our possessions are deemed “treasured” and whether or not they even should be; (see: Buddhist teachings and the ideal of non-attachment)

6) Consider attending an auction to watch the detritus of a hundred other lives, wondering when this stuff will end up there, too

7) Might children raised in these formal and fully-designed rooms, amid thousands of dollars worth of wood and linen and velvet, emerge into the real world of independence and employment with overly hopeful notions of pay and working conditions? Let alone college dorm facilities?

8) If a baby projectile vomits or poops or pees onto the immaculate washed linen and velvet beds, chairs and cribs shown here, how elegant will they really look (or smell)? Much as I love the idea of refined aesthetics (not pink or plastic everything), this seems a little…excessive.

9) I love their restrained neutral palette — pale gray, cream, brown, white, black — and their industrial designs for lighting. But if I were six or eight or 14? Maybe not so much. Your kids have decades ahead of them to stare at wire baskets and faux-Dickensian light fixtures.

10) Have you ever noticed the echt-WASP names included in these catalogs, as would-be monograms or examples of personalization? You won’t ever find a Graciela or Jose or Ahmed or Dasani here, my dears. Instead: Addison, Brady, Lucas, Mason, Ethan, Grace, Charlotte, Chloe, Sarah. Such a 19th-century white-bread version of “reality” ! Am I the only one who finds this pretentious, silly — and very outdated marketing? Many people of color have money to spend on these items as well. My husband’s name is Jose and he’s got great taste and good credit. Include him, dammit!

11) OK, OK. I admit it. I love this chair. After a long crappy day, even a putative adult might enjoy the soft and furry embrace of a stuffed elephant.

12) “Understated grandeur” and “Directoire-style daybed” — in a nursery?!

13) People put taxidermied animal heads on your walls to prove that: a) you  know how to shoot accurately; b) you own guns; c) you can afford to spend time in some foreign land on safari; d) you enjoy killing things; e) you have no shame showing this to others. Putting up faux images of wood, paper and metal like these ones seems a little beside the point.

14) Do you really want to eat your food with a replica of the cutlery used aboard the Titanic, and named for it? What’s next — the Hindenberg armchair?

15) As someone addicted to great fabric, I do think these linen tablecloths are both well-priced and hard to find. And their glass and metal bath accessories — dishes, canisters and jars — are handsome enough to use on your desk or in a kitchen.

16) Dimensions? It’s a total time-suck to have to go on-line to determine furniture sizes.

17) For $25, this is the chic-est beach towel you’ll see this season. (I bought one of theirs a few years ago and the quality is excellent.)

18) Did the designer or copywriter even snicker when including a $139 “industrial style” basket marked “Stuff”?

Are you saving enough?

By Caitlin Kelly

A recent piece in The Wall Street Journal asserts that Americans spend way too much money:

You may overspend because you’re bored, you have no budget or you want to keep up with your neighbors.

Or you might be letting your emotions dictate your financial decisions.

Whatever the reason, you may be setting yourself up for a financial disaster.

But fear not: There are a few ways you can rein in your spending before it’s too late.

Tracking your cash flow and tapping into your feelings are two things financial advisers say you can do to curb your urge to spend.

“The spending choices you make now will greatly impact your quality of life later on,” says Patrick McDowell, a Miramar Beach, Fla., financial adviser.

Here’s an honest post by a new Broadside follower (welcome!), a college student, making minimum wage and struggling financially with college costs:

Although it can be annoying, I understand this is making me a better person.  It’s not just about the money all the time, it’s about a learning experience.

And here’s a dense and dry blog post, recently chosen for Freshly Pressed, about behavioral economics — written by a professor:

Certainly the evidence that people don’t typically behave rationally is quite compelling.  It’s easy to find examples of behavior which conflicts with economic theory.  The problem is that it’s not clear that these examples help us much. I’m pretty much obsessed by when, why, how and where we choose to spend our money. Or save it.

Given how little money most Americans save — here’s a blog post from The Economist about that — it’s a tough decision to postpone immediate pleasures (let alone the daily grind of needs), for groceries, housing and medical care in the future, possibly decades away. What if we never get there?

But what if we do live to be 80, 90 or beyond — and find ourselves broke and scared?

Here’s a frightening post from one of my favorite writers, Guardian journo Heidi Moore, about how older women — because we earn less and live longer — end up in poverty:

17.8 million women lived in poverty in 2012, 44% of whom lived in extreme poverty. Extreme poverty means “income at or below 50% of the federal poverty level”, which amounts to less than $5,500 a year…

What is surprising is that the slide into deep poverty is happening so soon, and in such massive numbers, among the elderly. It’s not clear what could have changed between 2011 and 2012 to cause it.

My mother went into a nursing home three years ago, paying — for a small room — $5,000 a month. Yes, really. That certainly made clear to me the very real cost of getting old, ill and needing costly care every single day. She saved, lifelong and ferociously, so she has the funds for it.

Most of us will not.

Our parents and grand-parents, and a few fortunate folk in specific industries, could look forward to a company pension; Jose will receive one from The New York Times, thank heaven. A few lucky people also get a company match to their 401(k) retirement savings from their employers.

But most of us are now expected and required to save and save and save and save, praying our investments retain and grow in value. I’ve been saving 15 percent of my income every year for a while; it’s finally adding up to a sum that makes me feel like the sacrifice is worth it.

It’s also simplistic to shame people who “spend too much” when millions have lost their jobs, often repeatedly, and have run through whatever savings they might once have had. Millions are also now earning far less than they once expected or hoped to.

Wages are stagnant or falling while the cost of living rises each year — and we’re still human beings who actually want to leave our homes and have some fun!

I splurge on four categories: 1) items or improvements for our home; 2) travel; 3) entertaining friends; 4) fresh flowers.

How about you?

What do you splurge  on — and where do you keep your wallet closed?

When — if ever — do we just stop shopping?

By Caitlin Kelly

Every day, my email in-box (guilty!) fills up with notifications of sales from flash-sites like Gilt and One King’s Lane and Ideeli or from retailers I’ve purchased from before.

I delete almost every single one.

Every weekend, (yes, we still read some of our newspapers in print), a thick, glossy pile of flyers tumbles in a nasty tree-wasting avalanche from within the folds of the Times, each imploring us to spendspendspendbuybuybuybuybuybuy!

Consumer Spending (Photo credit: 401(K) 2013)

Between the easy availabilty of on-line shopping — a boon to the home-bound or retail-underserved — and a consumer-driven culture urging us to buy everything we see, right now, it’s an ongoing challenge not to spend money. Not to buy even more stuff.

The U.S. economy, a statistic that always somewhat horrifies me in its implications of rampant consumption, is based 70 percent on consumer spending — gas, food, diapers, gum, Manolos, trucks, Ipads, whatever.

So if we actually stop shopping, or slow down our spending on consumer goods, the economy slows. If you live in the U.S., and have any disposable income (such a bizarre phrase!) it can feel like some civic or patriotic duty to go spend some more money.

When I worked retail for 2.5 years in an upscale suburban New York mall, I saw the insanity — truly — of holiday shopping firsthand. People staggered into our store already so loaded with bags they looked like pontoons. They pawed through the racks, threw our stock onto the floor and shouted with anger when we didn’t have exactly what we needed when they needed it.

Ugly!

And yet very few Americans, even those with decades of earned income, have saved enough money to ever stop working.

In October 2013, USA Today reported:

A new report paints a rather grim assessment of how prepared we are for retirement. “The Retirement Savings Crisis: Is it Worse Than We Think?” from the Washington, D.C.-based National Institute on Retirement Security, says the typical American family has only “a few thousand dollars” saved for retirement.

“We have millions of Americans who have nothing saved for retirement,” says Diane Oakley, executive director of the NIRS. “We have 38 million working-age households who do not have any retirement assets.”

For people 10 years away from retirement, the median savings is $12,000. “Of the people between 55 and 64, one third haven’t saved anything for retirement,” Oakley says.

I read those statistics and wonder what is going to become of them; not everyone has children able or willing to rescue them.

Fortunately, (partly because we never assumed the costs of raising children), we’re way ahead of that $12,000 figure. We drive a 13-year-old vehicle and live in a one-bedroom apartment and I set aside the maximum for my IRA, even when I’d really prefer to spend that money on a long and fantastic overseas vacation, or some gorgeous new clothes or to take in all the shows, plays and concerts that Manhattan offers us.

Having significant savings is, for me, a much deeper comfort than anything I could buy.

Here, from Harvard Business School, why buying an experience (if you must buy anything at all) wins:

Conventional wisdom says that money can’t buy happiness. Behavioral science begs to differ. In fact, research shows that money can make us happier—but only if we spend it in particular ways.

In their book Happy Money: The Science of Smarter Spending, authors Elizabeth Dunn and Michael Norton draw on years of quantitative and qualitative research to explain how we can turn cash into contentment.

The key lies in adhering to five key principles: Buy Experiences (research shows that material purchases are less satisfying than vacations or concerts); Make it a Treat (limiting access to our favorite things will make us keep appreciating them); Buy Time (focusing on time over money yields wiser purchases); Pay Now, Consume Later (delayed consumption leads to increased enjoyment); and Invest in Others (spending money on other people makes us happier than spending it on ourselves).

I try to adhere to all five of these principles:

Paris – Île St. Louis: Berthillon (Photo credit: wallyg)

— I can still taste the salted caramel ice cream we savored at Berthillon on the Ile St Louis in Paris five years ago.

English: Ile St-Louis – Paris Français : Ile Saint-Louis – Paris IV (Photo credit: Wikipedia)

— I’ve chosen to work fewer hours, (which restricts my ability to shop, given that I save 15 percent of my pre-tax income every year as well), to better enjoy my free time and have experiences I value more than buying more things — to take a long walk mid-day or have coffee with a friend or read a book instead of flogging myself into another 10 or 15 hours’ paid work. I ended up in the hospital in 2007 for three days with pneumonia after chasing money too hard, too fast. Never again.

— I tend to hoard gift cards for as long as a year before finally using them, as I did recently with a Christmas 2012 gift card from my husband, (it bought two great pairs of shoes on sale.)

— I splurge on small surprises for Jose whenever I can, whether a book or a pair of colorful socks or a dinner out.

In a season where so many of us are rushing about madly shopshopshopping, it’s easy to forget that a more valuable gift can be as small and essential as a hug, a night or two of babysitting for a weary friend, making a meal for an elderly or ill neighbor.

It doesn’t have to come in a shiny Apple-designed, (cheap Chinese labor made), plastic shell or turquoise Tiffany box, no matter what their ads insist.

 Are you sick and tired of shopping?