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Tag: Creep

  • Posh olives and expensive workouts? You may have lifestyle creep

    Posh olives and expensive workouts? You may have lifestyle creep

    Are you a victim of lifestyle creep? You know, those occasional small upgrades you allow yourself, only to discover a few months down the line that — yikes — they’re no longer occasional.

    What starts out as a treat — a vegetable box delivery, a taxi from the airport, the organic red instead of the house plonk — becomes your everyday normal. You never used to pay for extra legroom but then you do, and you add on speedy boarding. You once hooted at the price of Poilâne sourdough and now you have some in your bread bin where the Hovis used to be (the Wotsits are staying, to be fair). And once you’ve crept along the lifestyle scale, away from reality and in the direction of Gwyneth Paltrow, it’s hard to creep back. Probably no one has ever tried. The whole point about creep is that it’s unstoppable: once you’ve tried the Pullman seat in the fancy cinema with the drink holders, the Cineworld ones seem cramped; once you’ve borrowed the Tekla dressing gown, your Primark one feels a bit Waynetta Slob.

    Not all lifestyle creep is shameful or necessarily to do with spending more money (although mostly it is), but it pays to know where your creeps are occurring so you can judge for yourself whether they are sustainable.

    Wine creep

    Wine creep is huge in 2024. We’re all much more interested and it’s now cool to know your wines, or use an app that does. Who hesitates to Vivino the grüner veltliner their friends brought? What director doesn’t make sure the affluent couple are seen quaffing vast glasses of red at the island of their very large kitchen before they head out to an awards ceremony? Who can forget that Meghan’s pre-Harry blog, The Tig, was named after her favourite Tuscan wine, Tignanello? Interest in wine bordering on snobbery is gradually becoming completely acceptable and no different from minding where your chicken came from.
    Pre-creep: I’ll have the house wine.
    Post-creep: I’ll have the English organic.

    Uber creep

    Note: not taxi creep because you wouldn’t dream of getting a taxi the way you get Ubers, which is at the drop of a hat. The Uber thing is a lot like vaping. It seems harmless, convenient and something you can afford to do when you need to, but the next thing you know your fingers are reaching for the Uber app just because it’s started to drizzle or it looks like it might.
    Pre-creep: It’s only two changes on the Tube and a bit of a walk.
    Post-creep: It’s going to be SEVEN MINUTES! I’m trying Bolt.

    People will pay anything up to a tenner for some sourdough

    People will pay anything up to a tenner for some sourdough

    Ingredients creep

    A few years ago the big kitchen creep was gadget creep. We bought spiralisers and jamon knives and Nutribullets and used them twice. Well, now the creep is all about top-quality ingredients. We have serious olive oil creep (don’t use the Waitrose extra virgin for dressing, use the Xylo). We have cheese creep (in fact, cheese is so important that rustling is now a thing: see the recent theft of £300,000 worth of award-winning cheddar from Neal’s Yard). And then there’s bread creep: people will pay anything up to a tenner for some nicely dusted sourdough. Also catching up on the creep front are olives (once you’ve sampled a nocellara from the fresh section you are less often, if ever again, going to be reaching for the ones in the tin), while the newest creep to watch out for is nuts. Apparently it’s now normal to have a minimum of five types of nuts in your store cupboard and snack on them the way you used to on cheesy Wotsits.
    Pre-creep: I bought a party pack of Walkers!
    Post-creep: Sorry there are so few of these marcona almonds but I had to put half of them back at the till. They seem be 25p each.

    Waitrose creep

    Waitrose used to be the once-in-a-while shop for the nice soup or the ready-made stuffing. Then one day you’re walking briskly past Lidl and Tesco and nipping in for tonight’s supper because just stepping inside makes you feel better and they don’t chop up their cavolo nero.
    Pre-creep: Hide the bag, they’ll think we’re profligate.
    Post-creep: You have to get the Turkish delight there. And the ginger. And the cake.

    ‘We gave up high-paying jobs to do something we loved’

    Threadcount creep

    Arguably the most insidious of the creeps because you were perfectly fine with your easy-care sheets and then one day you clicked on the higher threadcount on the Soak&Sleep website and now anything less feels like a rail sleeper sheet circa 1976. There has been a similar creep effect with pillows, duvets and mattresses, of course. Your mum and dad bought a small double bed from John Lewis and had it for 50 years but threadcount creep (aka bed-obsessing in general) has made that seem almost shocking. Now double beds are for the spare room only and a superking is just what a lot of average-sized people expect.
    Pre-creep: Christ, look at the size of the bed! Let’s cancel the kids’ twin room!
    Post-creep: We have split mattresses (I like a firmer one) and different duvet tog factors.

    Schöffel creep

    If you live in the country, venture outdoors and are a man, you’re wearing a Schöffel fleece gilet. Kaleb, of Clarkson’s Farm fame, always wears one. And so does Mike Tindall. Every second man on the street in any town where you might see a sheep or a Daylesford on the horizon has one of these zip-up vests with the distinctive brown trim. A few years ago they were not unusual but now they’re standard — and countrywear creep in general is catching on. There are clothes in Zara that look like exact replicas of Princess Diana’s Balmoral honeymoon wardrobe.
    Pre-creep: It’s my dad’s old jacket.
    Post-creep: I can’t do without my Dubarrys.

    Premium economy is an increasingly popular choice

    Premium economy is an increasingly popular choice

    GETTY IMAGES

    Diet creep

    Not as in the diet of the day (Ozempic has stopped that creep dead in its tracks), more the creep of dietary expertise. What’s likely to spike your glucose and what will steady it. Secret sources of fibre (popcorn). The value of apples with their peel versus without. Very gradually this sort of thing has crept up from being simply boffin talk or stuff LA actresses pay specialists for to instead become important information on a par with knowing which of your local nurseries are good. Diet creep is largely positive but it does put those who haven’t yet experienced the creep under pressure: no more giving your guests Pringles followed by sausage pasta and crumble.
    Pre-creep: I’ve given up carbs.
    Post-creep: Kimchi for breakfast.

    Teeth and Botox creep

    She’s had a bit between her eyebrows and he’s had his teeth whitened. This teeth and Botox creep has taken a while but now it’s looking more like a speed walk. We’ve gone from OK for some (Sharon Osbourne) to “yeah, someone comes in and does everyone in the office every three months”. All the tweaks are now no more remarkable than appointments with the dental hygienist.
    Pre-creep: OMG, did you see her at the Oscars? Looks like a fish.
    Post-creep: They can do this amazing neck lift now.

    Lifestyle creep affects us all. Now’s the time to fight back

    Cashmere creep

    Thirty years ago cashmere was for the rich and you didn’t see much of it about. Now it’s the Waitrose of wools, with all other wools essentially being the reduced section in Iceland. It’s a bit like threadcount creep — regular wool feels like a Brillo pad after cashmere — only more people are in on it. Blame Marks & Spencer for upping its game. Blame Uniqlo (not so soft, very reasonable). People now think nothing of buying cashmere throws, blankets, sweatpants and little hoods, things that would once have been strictly Liz Taylor and Richard Burton territory.
    Pre-creep: Shall we club together and get Mum a cardigan for her 80th?
    Post-creep: Love my new cashmere joggers.

    Exercise creep

    This one is terrible. You join a gym but it’s no fun — people are staring at you and there’s scary machinery — so you join a class instead. That’s much nicer but it’s also overcrowded and there’s no shower. Then your friend says, “Why don’t you try Sam, who is one-on-one, but we could do it together and halve the cost?” and … you see where this is going. The Sam option is obviously way nicer but one day Susie drops out and you’re now a person with a personal trainer.
    Pre-creep: Must go to the gym. Argh.
    Post-creep: Basically Jennifer Aniston.

    Parenting creep

    Cast your mind back to your youth and you’ll recall that once you got a job you saw your parents maybe three times a year. Honestly, back then they had less than zero idea what we were up to (“what do you mean you had your appendix out?”) and expected to hear from us only if you were looking for a character witness. Well, now we’re parents and are armpit-deep in our young — and not so young — adult children’s lives, with both sides expecting nothing less. We’re the first responder after an incident, the supplier of foreign holidays, the thrower of birthday parties, the flat movers and furniture providers and dental treatment payers. No one knows how the creep started but it has its origins in slacker parental behaviour (fine for the kids to see you three negronis down), boomer guilt (we were going on skiing holidays at their age; they can’t afford to go to Wales) and the fact that we have comforts they do not and don’t like to see them going without organic vegetables. So the hands-on parenting is continuing, sometimes well beyond their marriages.
    Pre-creep: You need to get your stuff out of your room, we’re turning it into the best spare.
    Post-creep: Dad’s put you all on the car insurance.

    The cost of pet ownership is going up

    The cost of pet ownership is going up

    RUTH BLACK/GETTY IMAGES

    Pet creep

    You may remember what it was like to own a dog in the 20th century. Back then they needed a basket, a bowl and a lead. Well, post-pet creep it would not be that weird to take your pet with you on holiday or to book a pet-friendly restaurant table. And pet creep is showing no signs of levelling out — if anything, it’s just getting going and what was considered Mad Dog Mummy behaviour is now Actually Normal Enlightened (Urban) Owner.
    Pre-creep: If it snows again he can come into the kitchen.
    Post-creep: Pongo is having a birthday party on Saturday, can Pluto come?

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  • How to Avoid Lifestyle Creep (and Stop It When You Can’t)

    How to Avoid Lifestyle Creep (and Stop It When You Can’t)

    Photo-Illustration: by The Cut; Photo: Getty Images

    I’m a nurse with a good job at a hospital in Manhattan. I’m making more money than I ever have before (about $120,000, plus overtime), and I’m thrilled to be living here after spending years in the small midwestern city where I got my degree. Overall, my life is great. I have an apartment I love, good friends, and I get to do fun stuff on weekends like travel and go out and enjoy my life as a 28-year-old. I don’t want kids, so I don’t feel pressure to “settle down.” But lately, I’ve realized that my spending is catching up to me. My rent went up this year by $100 a month ($2,900 per month total), which is manageable, but still a lot. And when I go through my credit-card bill, it’s a million $40 or $150 paper cuts that I barely even remember. 

    I’m not in financial trouble; I can afford to pay my bills most of the time. (I do have pretty hefty student-loan bills; I have never missed a payment, but occasionally my credit-card bill suffers for it.) I don’t have much savings at all, and that worries me. I wish I didn’t feel so strapped and high-maintenance. I’ve tried to stick to a budget before, but I never seem to manage it. When I think back to my early 20s, I used to live on almost nothing — I don’t miss that lifestyle, but I do miss how self-sufficient I was, and how little I needed. How do I reverse some of this lifestyle creep so that I can save more?

    Lifestyle creep encapsulates the small, insidious upgrades you make as your income grows. You get a raise — congratulations! — so you try a slightly more expensive moisturizer, take an Uber or three, and discover that $32 workout classes really are better than the grungy basement gym you never used. Eventually, you might move to a more expensive apartment, opt for a meal-subscription service, buy a new car … the list goes on.

    These choices aren’t necessarily bad, but they do add up. Sprinkle inflation on top, and suddenly it seems like your money is disappearing, even though you’re making more of it than ever and you haven’t done anything wildly indulgent.

    The worst part of lifestyle creep is that it’s hard to reverse. Maybe you spent the first 25 years of your life perfectly happy without grocery delivery, but now you feel like you can’t function without Instacart. Or your higher-paying job infringes on meal-prep time, so you’re spending a lot on takeout and don’t know what you’d eat otherwise. Or your friends always want to go out to dinner, so you go along to spend time with them. Lifestyle creep isn’t just an endless parade of treating yourself — it might feel fun and luxurious at first, but it quickly becomes habit. You’re spending this money just to maintain your standards.

    The first step in fighting lifestyle creep is realizing that it’s happening in the first place — and that you have some agency to stop it. How do you put the brakes on in a way that gives you more control and doesn’t feel like a downgrade? I talked to a number of people who successfully reversed the hamster wheel of spending and kept it at bay. Here’s how they did it.

    When I spoke to Mallory Baska, a financial coach who found herself in a similar position to yours about a decade ago — making decent money but blowing through it quickly — she told me that it helps to have a strong motive to change. Hers was simple: She was harassed at work and desperately needed to quit her job. “I felt trapped because I couldn’t afford to leave,” she says. “I had no choice but to return to this awful environment every day, simply because I’d prioritized material goods over my own financial security.”

    I hope your situation doesn’t come to this (or worse). But no matter what, get some clarity on why you want to turn your financial ship around. No reason is too small or mundane, but it does need to be compelling to you — otherwise it won’t stand a chance against the temptation of a new sweater/weekend trip/whatever your kryptonite happens to be. Once you pick your motive, create reminders that will steer you straight. (I recently took a photo of my overstuffed closet and look at it whenever I’m tempted to buy yet another item of clothing.)

    It also helps to save up for something specific. “A rainy day” isn’t very inspiring, but if you can envision something you genuinely want, keep it front of mind. When a friend decided she needed to curb her spending, she renamed her accounts after certain goals — for instance, the down payment for her dream car goes in the “vroom vroom” fund. “The slight change in language makes saving feel like a joy and not a sacrifice,” she says. These objectives can change over time, but make them fun! This doesn’t need to be a slog.

    Okay, this part might suck, but bear with me: You need to go through your bills line by line. It might be a crime scene, but you can’t move forward until you sift through the evidence and know where you stand.

    Manisha Thakor, a certified financial planner and author of Money Zen: The Secret to Finding Your Enough, recommends doing what she calls a “joy audit” of your expenses. “Go through all your transactions and highlight the things that brought you the most enjoyment,” she says. “The objective isn’t to deny yourself. It’s to be more aware of what actually makes you content and what doesn’t.”

    Do this audit every week at first. You’re basically Marie Kondo–ing your finances: dumping everything out, sorting through it, and deciding what to keep going forward. Sure, paying your phone bill might not bring you joy, but you’ll learn to weed out the stuff that truly no longer adds value to your life (so many subscriptions!), and the process will become easier — maybe even satisfying. This practice is often called a “money date”: Designate a special time for it, light a candle, get a snack, pour yourself a beverage, and make it nice. Once you get a better handle on where your money is going, you can space them out to once a month.

    Quit Amazon Prime. Delete your credit-card information from your phone and internet browser. Try a no-spend month or shopping ban. Move to a cheaper apartment, neighborhood, or city. These are just some of the tactics that people shared with me when I asked them how they managed to wrestle lifestyle creep into its rightful place. When in doubt, try living without something for a while — you might not miss it as much as you think.

    One of my friends decided to quit all beauty maintenance at once, cold turkey, because she realized it had become too much. “I went through a withdrawal period and felt SUPER ugly for a few weeks, especially quitting eyelash extensions and manicures, but then I arrived at a new normal and now I feel just as good as I used to,” she says. (I did something similar a few years ago, and maybe I’m delusional, but I actually think I look better now that I’m using fewer products and not trying so hard.)

    Feeling unencumbered is its own reward, too. When Thakor and Baska were going through their respective lifestyle overhauls, both sold a lot of stuff that they had acquired — fancy handbags, shoes, and jewelry. “I told myself that if I really regretted getting rid of it, I could always buy it again,” says Baska. “But I never did.”

    This probably won’t surprise you, but a 2018 study found that social-media consumption directly correlated with more impulse shopping. Pay attention to who you’re following and what they make you want to buy! Baska says she did a massive purge when she started her financial overhaul. “I scrolled through every single account I followed and, if they weren’t a close friend or a person who made me feel good about myself, I muted or unfollowed them,” she says.

    Thakor says she also found herself getting the shopping itch after she took a gander at her feeds, so she decided to create boundaries: She looks at Instagram during a two-hour window of time on Friday afternoons, and that’s it. She’s also not allowed to buy anything she sees until she’s waited at least a week.

    Remember, though, that you’re not just comparing yourself to people you see online. Your peers affect your desires, too. When Thakor first moved to a rural area of Maine a few years ago, she was happy as a clam with her bare-bones cabin. Then, after a year, she noticed that her neighbors had paddleboards and a fancy water pump, and she started wanting them too. “We are all socialized to want what we see other people in our circles having,” she says. “Be aware that this is normal — but you don’t have to give in.”

    Your desires will change, and that’s okay! “Maybe you get really into a show for a few seasons, so you subscribe to HBO, but then the show ends and you realize you’re not using it anymore,” says Thakor. “It’s normal to change priorities or realize that something you once loved isn’t working for you anymore. Just get rid of it.”

    A big driver of lifestyle creep is that the rush of “leveling up” or purchasing something new wears off quickly. This is known as the hedonic treadmill: the idea that most people have a “set point” of happiness that they return to after good or bad things happen. According to this theory, money and achievements can’t make you that much happier than you already tend to be — or at least, not beyond a temporary bump. The good news is that giving up certain things won’t make you that much less happy, either. Sure, that loss might feel a little sad and constricting at first, but then you’ll get over it. Or you might feel better than normal, actually, knowing that your long-term self-sufficiency has won out over your ephemeral urge. There’s only one way to find out.

    Email your money conundrums to mytwocents@nymag.com (and read our submission terms here.)


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