
by MIA FREEDMAN
“You should be a financial planner,” suggested my husband this week as I explained how much money I’d saved by buying a new jacket. Yes, how much MONEY I SAVED BY BUYING A NEW JACKET. If you are struggling to understand that concept, you’re clearly not trying hard enough. Or you have a penis.
I have recently come to understand that the method by which I approach shopping is slightly unconventional. Others (male others) have been known to refer to it as ‘batshit crazy’. This seems harsh. I prefer to call it ‘Creative Shopping Logic”.
You see, in my head, there is a parallel economy where I can justify pretty much any purchase. I visit this happy place often. It’s peaceful and there are unicorns.
Men, not so much.
On the downside, my parallel economy can sometimes go a little bit Zimbabwe – around the time they decided the solution to their financial crisis was to print a lot more money. That didn’t work out so well for them but we won’t mention it again because it’s not in the spirit of deluded fantasia, which is mandatory when you’re justifying the purchase of gold glitter shoes.
Uncensored, here are some of the thoughts that pop into my head when I’m shopping:
“I haven’t had a parking fine in ages so this $240 dress is actually free!”
“These jeans are 40% off which means I have made a profit of $80. I’m practically rich. Now what should I spend that on?”
“There’s a $20 EFTPOS minimum and I’m only buying three boxes of Cruskits so this $10 worth of chocolate is essentially free (and as an added bonus contains no kilojoules).”
“I’m at the airport on my way to another city so therefore this imported copy of Vanity Fair for $15:95 is not that expensive.”
“If I was addicted to the pokies, I would be spending a fortune and have nothing to show for it so this $150 necklace is a bargain.”
“I’m going to park really carefully for the next few months and that means I have at least $180 worth of non-fines to spend for free in this shop right now.”
At this point, you’ll either be muttering “why did they give the crazy lady a newspaper column” or you’ll be nodding vigorously in solidarity and taking notes for the next time you’re tempted by ANOTHER pair of black ankle boots (yes I agree, they’re really flattering, they go with everything and you totally need them – just think about the parking fines you won’t get and take those black babies home – they’re free!).
Am I the only one who does this? Don’t be ridiculous. Many women are familiar with the parallel shopping economy. We particularly love the way it’s so marvellously quarantined from pesky things like inflation, interest rates, the fluctuating Aussie dollar and, you know, common sense. Give a girl some wine and promise not to tell her partner/father/therapist and she will let you into some of the fabulous justifications she uses when shopping. Like this:
“I have this thing called Medicare Shopping,” a co-worker admitted. “My closest Medicare is next door to Sportsgirl and if I take my son to the paediatrician it’s a $300 bill – that’s about $200 in Sportsgirl money. An ordinary doctor visit is a just top or a scarf ($35). Hospital visits or dentist bills covered by the private health fund are just an added bonus. My fashion style is best summed up as hypochondria accessorised with extra dental hygiene.”
It turns out Medicare shopping with ‘free money’ is a popular pastime, an added bonus being that it’s cash and therefore untraceable by spouses. Now you know why Medicare branches are so thoughtfully located in shopping centres.
You never knew money could be free, did you? Welcome to the delusion. Would you like the receipt in the bag?
Another feature of my parallel economy is the formula I use to assess the cost of an item before I pony up my cash. It’s complex yet stunningly simple: boring things should be free. Socks and cutlery, I’m talking to you.
Frugality comes more easily when you’re not emotionally invested, I find.
Consider this example. Over dinner a few nights ago I was telling off several members of my family for using my ‘special’ shampoo and conditioner instead of their own. “I’ve told you all a thousand times it’s a waste. That stuff is EXPENSIVE. And your hair doesn’t matter as much as mine. It’s short. You can use whatever. I can’t. So stop it.”
Silently, I congratulated myself for being so thrifty. “I’m being thrifty,” I said smugly and out loud for added emphasis.
As my husband regarded me quizzically, I continued: “My shampoo and conditioner is more expensive than yours so on a cost per use basis, it’s nuts for you to use it.”
“So how does that formula apply to those gold shoes you bought and haven’t worn?” he asked in an unexpected counter-attack. “How much do they cost per wear?”
I hate it when someone challenges my logic. Particularly my shopping logic. I generally prefer it to remain unchallenged. With unicorns.

Inside Mia's wardrobe
Do you have a parallel shopping economy? What’s it like?







Comments
220 Comments so far
Me too. I’ve written this post http://the-labyrinth.com/2013/01/05/goodbye-emerald-green-strappy-heels/ where I, too, can justify my spending…
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Your article on twisted shopping logic reminded me of an a classic bit of shopping logic from a friend of mine in London. It went something like this:
ME: I just tried on an amazing coat – it was divine – totally Liz Hurley – but I didn’t get it because it was too expensive
FRIEND: how much?
ME: three hundred pounds – that’s like $900!! – that’s too much, right?
FRIEND: no, but you’re earning pounds, so forget about the exchange rate – it’s really more like $300
ME: yes, I guess you’re right
FRIEND: and, if it’s $300, then it’s really only one hundred pounds!!
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I have to share that I read your article about twisted shopping logic in the Sunday Mercury last week then on the Monday I had an appointment with a specialist surgeon on the Monday. I got there and he was running late so I took myself off and ended up buying a Bacarat knife block and knife set that was $300 off! I spent $99 and knew that the specialist was going to be $185. When i returned for my appointment I had to wait a further 1hr, the receptionist informed me that as he was so late she would not charge me….I then shared with them your article which they too had read and explained that since the appointment was to be $185 and the knife block was $99 I had actually SAVED $87!!!!!! So thanks we all had a great laugh
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I thought I was the only one who did Medicare shopping…my partner can’t understand why I won’t convert to the new fan-dangled, refund straight back into the account at the doctors office system! Sacrifice my new shoes?? Never!
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Mia, I love you. How do you know me so well??
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Mia, pic 27, a trip to Byron I take it?
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I use the Medicare ‘free money’ approach! Online shopping is also basically shopping with fake money for me, it is far far too easy to buy things online – i often don’t stop and think practically about the item I am purchasing as I would do in a store.
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I saved $65 today on two winter jackets for my little people – so my new bubblegum pink jeans from country road were only really $34! Bargain!
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You are one stylish chicki Mia – thanks for sharing you’re cheery wardrobe – new inspiration!
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And a few fash mistakes in there! Those shots are the most fun.
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you’re one classy lady Mia. And I like your hair shorter. You’ve you found your style and it happens to suit you. Grats.
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My parallel shopping universe revolves around online shopping: you buy something online (which is cheaper so you’re SAVING money) then you kind of forget about it as you have to wait for it to be delivered. And then when it is delivered it’s like getting a present!
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MIA!!!! Please please tell me where to get/what brand those mustard coloured harem-style pants that you’re wearing with Carl Stefanovic, AND that gorgeous white shirt with the draped bottom AND the white and blue dress that you’ve paired with the white blazer AND maybe the plum/purpley coloured one sleeved top? I know you’re a busy lass so I won’t hate you if you don reply:)
Also my favourite justifications for spending are if I can also wear it to work (well I can’t EARN money to spend on sensible things If I have nothing to wear to work (my workplace has a strict ‘no nudity’ policy – dull)), If the clothes are well made/high quality and will last for ages (these are always the most expensive designer pieces funnily enough) and if they are on sale ($300 blazer down to $250 not only means I saved $50 but also means I can afford to buy ANOTHER blazer.. makes no sense)
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I aways do the cost per wear equation to feel better about my purchases. The second wear gives the biggest thrill when the item becomes half price and then I work on getting it down to a dollar per wear, I feel so pleased with myself if I can do this, like I’ve accomplished something and that I’m a smart investor..
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Siigh your columns since switching to the other side seem so superficial and glossy mag-ish ! I miss the real, deep articles!
And I am a woman and do not relate to this at ALL
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Actually I really enjoy the diversity of the articles here – sometimes it’s nice to relax and poke fun at ourselves instead of being so serious
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What fantastic style you have!
I’m ever so jealous!
I love the aqua cardi/ orange mini combination!
I totally understand your mindset. I somehow convinced myself that my Centrelink-free uni student budget, can afford new $400 Innovare boots!
Looks like I’ll be living off 2 minute noodles for the next 3 months!
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Work expenses is massively free money. Any money that comes back to me in cash is free money… win!
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The last time the reserve bank lowered interest rates, I totally worked out my savings per fortnight, and set it aside for my “shoe fund” – until my frugal partner set me straight and said it would be going into the “paying off our mortgage early fund”. Party pooper, his fund is not nearly as fun as mine!
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Absolutely stunning Mia ! Wowzers
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I am pregnant. I’m not drinking any more = free money. With that money I can buy nice clothes. Not maternity clothes, they are a necessity. Ditto baby clothes. So I buy nice clothes that I won’t be able to wear when my belly pops out in a few weeks.
Makes sense to me
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I have one thing to say. Country Road Spend & Save! I buy something EVERY TIME, even if I don’t want/need anything….because I can’t resist the thought of saving money. By spending it!
And then of course you start adding items to make it up to $300 so you can save even more!
Geniuses, those little munchkins at CR. Every chick I know does exactly the same thing as me.
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I think many women are born with this kind of financial ability. I do this aaall the time. Sometimes, I even try to pretend that it’s BECAUSE of my crap mathematical abilities that I spend more than I probably should on new clothes.
It’s just one of the things women do, it’s like how men see furniture as purely functional. (It is NOT. It’s also pretty).
PS: It’s great to get a whole gallery of your fashion choices, Mia. Girl knows how to work a look!
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Wow, I wish I had the kind of money where I could afford to have such delusions! Medicare money is not free, it pays for my families food. No parking fines for months simply means that I can afford to pay the gas bill this month rather than stress about how I will pay a parking fine and the gas bill without getting into a month by month payment arrangement for both while my kids miss out on swimming lessons.
I really don’t understand this kind of delusion. For my family money is tight, but if I decide I’m going to buy a new top, I’m not going to lie to myself about how I can afford it because it’s “medicare money” or to my family about it because it’s untraceable cash that was supposedly spent on a doctor’s bill.
This is just ridiculous writing. Own your decisions, don’t make ridiculous excuses for them.
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Lighten up lady
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In defence of Anonymous above it is quite difficult to lighten up when you are struggling financially.
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Wa-waaaa
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That is just plain mean.
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Hey now, I don’t think it’s mean to acknowledge Anon made a depressing comment in a otherwise fluffy and lighthearted thread, designed to make others feel bad about something that lots of people seem to identify with.
I’m not well off at all myself, and don’t even get reimbursements from Medicare because I can’t afford to see a doctor in the first place.Yet I managed to enjoy the light-heartened article and fun comments without drawing attention to that until now.
I guess you’re also not familiar with the Debbie Downer meme, no?
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It was still mean, sorry
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Agree, totally mean.
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Yes still mean, and no sorry on the end!
So many nice people on this site but then again a lot of stuck up ones too.
Thank goodness the nice ones seem to out weigh the stuck up ones.
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I work in a medical practice where we can electronically deposit patients’ Medicare rebate directly into their bank account at the time of their appointment. This article explains why so many women look horrified when I offer to save them the trip to Medicare.
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I can’t say I do quite have parallel shopping economy, because see as an Italian I was born with the stingyness built right in.
The downfall of this is that I have the very Italian attitude of wanting the cheapest price for the best quality. Which, as you can imagine, makes shopping difficult. Particularly when I didn’t inherit the Italian trait of being able to barter.
Though I’m finding as I get older and busier I’m starting to employ the “F*** it” attitude more often and just buying the damn thing. And that’s when my denial comes in and I justify it by not looking at my bank account and thinking about all those years when I did spend the time searching for bargains, which totally balances it all out.
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Went out to dinner last night.
Parked the car in a 2-hour zone.
Paid for 2 hours.
Stayed at the restaurant for 4 hours.
On the way out remembered where the car is.
1st thought – there is a $90 ticket waiting for me on the car window, I wonder if it’ll be yellow or white this time
2nd thought – if there’s no ticket I’m spending $90 on a top I saw in Myer last week.
No more thoughts.
I’m going to Myer in my lunch break today.
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Done.
A glorious black Cue top.
Cost – only $9!!!
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I divide the amount I paid for the clothes/shoes by the amount of times I wear it. So if I wear a $50 top 20 times that’s $2.50 – less than the price of a latte. CHEAP!!!
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Same!!!
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I like the idea of that logic, will have to remember that one, especially with bags.
My bags could end up being free!!
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If it’s all free, why are my credit card bills so high?
Sigh..
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I love this article. I have free Medicare shopping money ALL THE TIME! It’s fabulous. Same with money I get back from private health insurance (I get a massage and I can buy some new tights! It’s practically free!)
As an aside, your slideshow is great and I love your wardrobe. But my eyes are drawn to the neckbreaking tangle of power cords in your office. All I can think is ‘how does she not trip over them in those shoes??”
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Hehe – I went shopping on Saturday. My mathematical justification for it went something like –
Total spent – $280
- $20 for underwear
- $200 for two jackets and a pair of boots (yes, black ankle boots!)
- $40 for the jeans
- $20 for a shirt
Total of spend classed as “Neccesities”, ie, things I would have to of bought at some point coming into winter over the next month anyway – $260 (everything but the shirt!)
Total savings on reduced prices – $60
SO – Spend, minus Neccesity, minus savings means really, I’m $40 up!! Add into that I used a $100 voucher my mum gave me for my birthday, and I just saved myself $140!!! Go me!!
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nodding vigorously in solidarity and taking notes = me
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My husband smokes and I don’t so I have justified my magazine habit by comparing my spend to his spend on smokes
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My shopping economy is in many points like yours. I also always apply it when overseas on holidays and buying there, it goes: if it’s cheap, I say look it’s so cheap, that even I am on holidays(payed for a flight, accommodation, etc) calculating the holiday expenses and comparing to a similar item in Australia, it’s still cheaper here, so practically FREE. if it’s expensive, it’s usually something not available in Australia, so FREE(ok the logic here is a bit more complex, but let’s just not go into that one).
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My way of ‘saving’ money is to shop at cheaper chain stores instead of Country Road or Saba – makes perfect sense to me, my husband thinks I’m bonkers!
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This week I am going to New York and I didn’t pay for the flights. SO. MUCH. FREE. MONEY.
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I love Medicare money! My husband’s rebates go into my personal account as well as mine & the kids so it not only free but money without the pain of a Dr visit or sick kids (though I do get whingeing husband!)
Work expenses are also free money. A nice sum at the end of the month (& yes, I know it was my money spent to start with!)
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I don’t shop nearly as much as I used to but I love brunch and dinner. I justify these by saying that not only do I rarely shop now, but i drive whenever we go out, therefore I’m saving money by not drinking and getting cabs.
My fave dinner logic was on saturday night when my boyfriend bereated me for going to dinner at a 5 star restaurant yet he went out with the boys and spent $200. I at least had an amazing meal and no hangover whereas he doesn’t remember what happened. Win for me!
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Anything from ASOS.com is free in my mind. Especially when returning purchases and getting the refund 2 weeks later (meaning I can spend twice as much next time!).
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The best thing about ASOS is free delivery!
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I think our local Target store which is right next door to Medicare do very well out of their position! I have been known many a time to walk straight from Medicare into Target and said money…..gone! In a matter of minutes!
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I have done Medicare and HCF shopping many times.
I always use my isolation to decent shops as an excuse too.
We don’t go out to the movies, out for dinner, expensive outings or long expensive holidays so I can justify all my purchases with how much I have already saved by living where I do.
I don’t smoke now so that is thousands of dollars saved. I don’t drink much so I justify more expensive beer and champers because “I’m not having it every night”.
I justify things in terms of nappies too. Now little one only has one nappy at night. Imagine how much money I have saved from not buying boxes of nappies a week!
I can justify just about any purchase
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Wow, Mia, thanks for the fifty five photos of yourself. You truly are a style icon, I wish I had your way with a wardrobe.
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There are some truly fabulous outfits in that gallery! I parcularly like #7&8. PS- Mia, you have amazing legs
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Last time my husband got a $300 speeding fine I decided it was only fair I got the same amount to spend on something, and it didn’t even have to be sensible!
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Kmart is my free money. If it’s from kmart its so cheap it may as well be free.
And clothes that I can wear to work and out – if it’s got a double purpose it may as well be free (or at least half price if you’re pulling logic into this!)
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My excuse: “But it’s CHEAPER here!”
Clinique counters get a regular workout for me because it’s so cheap here compared to Australia. Also shoes are stupid-cheap here. We are going to have to ship stuff home to Oz!
I totally used to do the Medicare thing too, unless I was really skint and needed it, for, y’know, food.
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Ha Ha…love it!
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I have been doing this as a reformed, now non-smoker, for about 7 years. Saving, let’s say conservatively, $3k per year (probably more now, but surely SOME must be saved), gets spent on whatever the hell I want! (usually clothing)
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I didn’t go out to lunch on Monday. Therefore I deserve this scarf and it would be immoral of me to deprive myself of it.
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Tax return = free money!
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Centrelink Money.. FREE MONEY! BABY Bonus FREE MONEY! LABOUR GOVERNMENT = free money for everyone!
Who am I kidding? What a load of crap!
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Witchery is my fantasy world. Their reward program/special deals are so amazing that I always think I’m making money by how much I’ve saved there.
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