Scarves Scarfaholics Anonymous - shopping and mental health

Do you feel in control of your scarf consumption or do you struggle a bit?

  • I am fully in control, for me this is simply a pleasurable hobby

    Votes: 62 34.3%
  • I only rarely feel like I may be buying (or think about buying) more than I want to

    Votes: 49 27.1%
  • I have a problem :D

    Votes: 70 38.7%

  • Total voters
    181

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What an interesting read this thread has been, thank you @blydia for starting it! I've enjoyed seeing so many perspectives on this subject.
I took a precipitous fall down the orange slide - it has been beautiful slide, but expensive. I've made a few mistakes, and re-homed most of them. Some I've kept because I'm still on the fence about them, or I don't mind wearing them for walking the dog, gardening or just keeping me warm when I don't feel like dressing up - who knew they'd look so great with comfy clothes?
I look at them as art, wearable art. And like art for your home, it is a personal expense, one that you take on knowing not everyone will understand or appreciate. They are mine to do with what I will - I made a tote bag out of two of them - even if that is to sit in a drawer till I wear it next. When I look in the drawers, they are neatly laid out by color, nicely folded, and if I listen closely, they are all saying "Me! Me! Me today!"
There is a CPW, but I look more at the PPW (pleasure per wear) - because they are a pleasure. My DH has things he enjoys (golf and wine), and I have mine. He rarely comments on the scarves - though I do get the feeling he hopes I'm slowing down - but he does notice them. I do occasionally feel a little guilty about a purchase - it's not like I *need* them - but I have only once paid more than what a scarf originally cost in the boutiques. That once was for a grail... after I paid an astronomical price for it, I found it two weeks later for less than $100. <face palm> So I bought that one too, averaged the cost together, and now I don't feel so bad about it - I refer to this process as "H Maths".
I've kept a spreadsheet for 3 years, and I've used the Stylebook app for 2 years. This week - to the best of my abilities due to missing information - I added the CPW to the spreadsheet, for curiosity's sake. It wasn't particularly eye-opening - like @bunnycat, I pretty much know what's getting worn and what's not. Plus the newer additions (FW 2019 killed my wallet - I held a small, private ceremony in the backyard) look terrible compared to many of the older scarves… some are practically free now! Which is a very good thing.
Thanks for listening!
Oh yes, I can relate to the weable art concept and its contribution to self expression. I started collecting in 2011/12 and have since amassed over 100 scarves, with over 30 of them pink alone. I wish I was a giraffe, I could wear them all at once. And it was FOMO most definitely in those early years. Plus, the heady rush of buying something beautiful for one's self made resisting temptation nigh impossible. And that is probably a rather unhealthy attitude to have.

But what put the kibosh on scarf buying for me was 4 things: finances, life style change, change in SA, and H's color family concept/simplification of designs. Finances: in the early collecting stage I did go over my budget and did not save as I should. For insurance purposes I started a speadsheet of all H goodies, and between scarves and exotic CDCs, I spent the equivalent of a downpayment on a home. Very scary and eye opening. I also started an MBA four years ago and H monies became tuition monies. My SA left around the same time and I don't have quite the rapport with my new one as I did my old one. With working full time and going to school in the evenings, I dress casually and have little to no time for grabbing and coordinating a scarf, so all my beauties have been languishing unworn. Once school finishes, I do anticipate returning to enjoying my collection.

Finally, the biggest impact on my buying has been the H color family concept and the simple/dull/mashup designs of the last few seasons put a nail in the scarf buying coffin. I get 1-2 a season at most and to be honest, the last three that I have bought, are still in the boxes unworn. I am more focused on the back catalog and to find some of them, it is a long game that requires patience and persistence.
 
@bunnycat we are in the same boat! I am constantly talking myself out of les Artisans and then secretly hoping that lots of different colorways would show up online...! I am doomed :facepalm:

Yes- the jury os still out today....there's only one color way that MIGHT work me....so we'll see (and something else will have to go if I do...)

yeah, to me CPW is more to keep down the rate of new acquisitions. I agree with you - if I stopped buying now, CPW wouldn't make sense because over time it would go down naturally. But if I keep adding new scarves I keep adding cost and spread wears.. that's my weird logic. But I also agree with you on total. I mean right now I'm in the area of a nice watch, which I can kind of justify (for me, my lifestyle, my aspirations - will obviously not apply for others) but I don't want to habituate on that as well and go towards "nice car" (again, my lifestyle and aspirations) so time for me to hit the brakes regarding that as well :biggrin:

:lol: I understand. For me, the adding up of the total spent has been the most fear inducing, more than the CPW concept. And I am till struggling with that. But if you asked someone who liked to allocate spare funds to travel or other forms of enjoyment, would they not find themselves in the same boat in terms of expense allocation? In the end, I guess I don't see how collecting some scarves is any less virtuous than spending your cash on travel trips or a more luxurious car than you "need"? It's all $$$ that could have gone somewhere else in the end, just like with scarves.

You must never get rid of that Phaeton, even if you only wear it once a year!
I'm surprised by the low numbers on your gavroche wears. I think of you as queen of the pocket square.

No- Phaeton won't ever go anywhere. :) The pocket squares get worn less now because of the mousselines, and I am totally fine with that! It just means I found a good fit. Some will stay, and some will go. They actually do serve a double purpose now (under the CSGM in case of the itchies...)

RAMBLE WARNING: My name is Jbizzy and it’s been 5 minutes since my last “commission” of scarf-aholia.
I have to start over since earning my 3-day chip.“

No disrespect meant. Just the first babbling thoughts entering my head after buying a grail shawl late Thursday afternoon, a SS2020 CLF Monday, committing to a SS2020 scarf ring Monday, and purchasing a Regarde Paris last Friday.

Sign of progress: sale of a scarf last night doesn’t prod me to go buy another, just thank my lucky stars for cash coming in. :tup:

Progress unseen was I thought of you guys, took several days, didn’t buy the first shawl offer or the second from a seller dropping price Twice, until the second seller dropped his price twice. At least I paid less than retail for a new one....small victory:heart:.

Habituation/Exposure/Desensitization therapy: I’m thinking this definitely helps. Example: @xincinsin mentioned—hopefully I interpret correctly—grail/rarity finds may be an exception to the anti-FOMO advice. My regular scrolling of auction sites keeps me aware of what really does come around regularly, almost boring, and I can wait for preferred CW/size, etc., VERSUS the pop-up, rarely seen and a decision “has” to be made even if the decision is “pass”.

Individual experience: We share so many scarfie interests, motivations in common, influenced by our deeply personal and familial experiences, which in turn influence our interpretations, responses, and advice to others. I really appreciate everyone Keeping that light and supportive. :hugs:

One day at a time Jbizzy!

Oh yes, I can relate to the weable art concept and its contribution to self expression. I started collecting in 2011/12 and have since amassed over 100 scarves, with over 30 of them pink alone. I wish I was a giraffe, I could wear them all at once. And it was FOMO most definitely in those early years. Plus, the heady rush of buying something beautiful for one's self made resisting temptation nigh impossible. And that is probably a rather unhealthy attitude to have.

But what put the kibosh on scarf buying for me was 4 things: finances, life style change, change in SA, and H's color family concept/simplification of designs. Finances: in the early collecting stage I did go over my budget and did not save as I should. For insurance purposes I started a speadsheet of all H goodies, and between scarves and exotic CDCs, I spent the equivalent of a downpayment on a home. Very scary and eye opening. I also started an MBA four years ago and H monies became tuition monies. My SA left around the same time and I don't have quite the rapport with my new one as I did my old one. With working full time and going to school in the evenings, I dress casually and have little to no time for grabbing and coordinating a scarf, so all my beauties have been languishing unworn. Once school finishes, I do anticipate returning to enjoying my collection.

Finally, the biggest impact on my buying has been the H color family concept and the simple/dull/mashup designs of the last few seasons put a nail in the scarf buying coffin. I get 1-2 a season at most and to be honest, the last three that I have bought, are still in the boxes unworn. I am more focused on the back catalog and to find some of them, it is a long game that requires patience and persistence.

Yes- the color family thing is a real problem. It's not like they haven't DONE color families in the past, but the lack of variation in the colors is problematic, especially on designs that look like they NEED color variety (Annie Faivre, etc...)

I hear you on the total expense....with 70 scarves (plus a few twillies) it is an eye opener....
 
Yes- the jury os still out today....there's only one color way that MIGHT work me....so we'll see (and something else will have to go if I do...)



:lol: I understand. For me, the adding up of the total spent has been the most fear inducing, more than the CPW concept. And I am till struggling with that. But if you asked someone who liked to allocate spare funds to travel or other forms of enjoyment, would they not find themselves in the same boat in terms of expense allocation? In the end, I guess I don't see how collecting some scarves is any less virtuous than spending your cash on travel trips or a more luxurious car than you "need"? It's all $$$ that could have gone somewhere else in the end, just like with scarves.



No- Phaeton won't ever go anywhere. :smile: The pocket squares get worn less now because of the mousselines, and I am totally fine with that! It just means I found a good fit. Some will stay, and some will go. They actually do serve a double purpose now (under the CSGM in case of the itchies...)



One day at a time Jbizzy!



Yes- the color family thing is a real problem. It's not like they haven't DONE color families in the past, but the lack of variation in the colors is problematic, especially on designs that look like they NEED color variety (Annie Faivre, etc...)

I hear you on the total expense....with 70 scarves (plus a few twillies) it is an eye opener....
:shocked::nuts::wtf:
With you on that!
 
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Thank you so much @blydia and others for being so honest with your emotional journeys. I recently spent a wee bit too much last September with end of summer sales, so I corralled my friends into a month long shopping ban. We called it OOO for "Opt Out October', only allowed food purchases, necessities or the odd gift. I'm actually repeating it this month Fiscally Frugal Feb (Paris trip in Jan, 'nuff said). We share a google document and journal about our feelings daily and while it was ridiculously difficult at the beginning, I've learned so much about the motivations behind my spending habits. We also tracked literally everything we paid for in an app and categorized it. It also made me realize 'gosh there are a lot of things I could be spending money on, aside from scarves/bags/clothes, and a lot of things I could be doing with my TIME as well".

The price desensitization is scary too, I remember flipping through Vogue in high school thinking 'who would ever spend $400 on a shirt?!" Now it's like, 'ok $400, I can afford that, could be worse" :huh:

I too like @Daosabao have felt discontented in some ways after discovering Hermes, to the point where my partner commented how much time I spend browsing, planning and thinking about it. I guess it's the allure, exclusivity and certainly FOMO. We're human after all and taking a step back to analyze and recognize it is a great first step.

I saved for most of my life but it wasn't until I saw a lot of people around me get sick and pass early that I realized we can't take it with us. Yes buy what makes you happy, but also do it in a way that doesn't bring you sadness or despair or guilt. I still struggle with the last part sometimes but it's good to know other people feel similarly :smile:
 
Oh yes, I can relate to the weable art concept and its contribution to self expression. I started collecting in 2011/12 and have since amassed over 100 scarves, with over 30 of them pink alone. I wish I was a giraffe, I could wear them all at once. And it was FOMO most definitely in those early years. Plus, the heady rush of buying something beautiful for one's self made resisting temptation nigh impossible. And that is probably a rather unhealthy attitude to have.

But what put the kibosh on scarf buying for me was 4 things: finances, life style change, change in SA, and H's color family concept/simplification of designs. Finances: in the early collecting stage I did go over my budget and did not save as I should. For insurance purposes I started a speadsheet of all H goodies, and between scarves and exotic CDCs, I spent the equivalent of a downpayment on a home. Very scary and eye opening. I also started an MBA four years ago and H monies became tuition monies. My SA left around the same time and I don't have quite the rapport with my new one as I did my old one. With working full time and going to school in the evenings, I dress casually and have little to no time for grabbing and coordinating a scarf, so all my beauties have been languishing unworn. Once school finishes, I do anticipate returning to enjoying my collection.

Finally, the biggest impact on my buying has been the H color family concept and the simple/dull/mashup designs of the last few seasons put a nail in the scarf buying coffin. I get 1-2 a season at most and to be honest, the last three that I have bought, are still in the boxes unworn. I am more focused on the back catalog and to find some of them, it is a long game that requires patience and persistence.
100% agree with you on the turn-off factor from the color families / limited color variety. Good for the wallet I guess!
 
. For me, the adding up of the total spent has been the most fear inducing, more than the CPW concept. And I am till struggling with that. But if you asked someone who liked to allocate spare funds to travel or other forms of enjoyment, would they not find themselves in the same boat in terms of expense allocation? In the end, I guess I don't see how collecting some scarves is any less virtuous than spending your cash on travel trips or a more luxurious car than you "need"? It's all $$$ that could have gone somewhere else in the end, just like with scarves..
That's why money spent on things that are not necessities is said to come from "discretionary income." And, you're right. A guy getting a boat or a sports car is spending on hobbies (or reclaiming their youth, ha ha). Collecting scarves is a hobby, too.
Hobbies contribute to mental health (unless one goes overboard with them). Scarves usually can be turned into cash fairly quickly through the resale market.
 
I’ve been reading and nodding my head so much here fellow scarf-o-haulics :yes:
Thanks @blydia for broaching this tender subject... it’s timely for me.
Not too long ago DH broached the subject of my “scarf addiction”... his exact words. I admit to a healthy interest bordering on obsession. :giggle:

Last year I may’ve went off the rails a bit... :panic:
In our chat I unapologetically explained that my research, acquiring etc. of vintage & other H scarves has been a rewarding hobby. I enjoy all aspects of collecting/wearing, but realized this past Fall that I’m quickly reaching a saturation point. I poured through the curating & storage threads to arrive at a easier to see & wear method than a leaning (often falling) tower of boxes. I’m currently trying reeeally hard to edit my swollen collex. I need to implement the 1 in 1 out strategy several of you have mentioned.

...the fact that there aren’t enough days in a week or month to give all my scarf babes the love they deserve and adding more would make that problem worse...
that and all the reports of faulty scarves all while they keep hiking prices...
Wait- faulty scarves?! What did I miss?!! :eek:

See how much money we save by wearing H scarves? No Lipstick, no make up on the neck, fancy blouses...pennies per day, my friend...:biggrin:
I was thinking before I heard the H makeup news that it’d be brilliant for them to launch a line of smudge-proof lipstick that coordinates with released scarves... if they don’t have that in their offering, they’re really missing a needed market.

...Also, in relation to the CPW, here's an easy "trick " I use in order to stretch my CPW downward faster. I will wear 2 scarves at once
You call them “oddballs”... I’ve dubbed mine “divine orphans” :coolio:
I think your 2 scarf combos are so fresh, appealing & utterly brilliant! :smartass:

You must never get rid of that Phaeton, even if you only wear it once a year!
I'm surprised by the low numbers on your gavroche wears. I think of you as queen of the pocket square.
Agree on all counts :girlsigh:
 
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Yes, I feel a bit out of control after a heavy 18 months of buying has matched my entire +15yr collection!

The good thing is that everything I've gotten was pre-identified and my SA is wonderful at procuring and waiting so I can make informed choices. The bad thing about information is that I am even making a list in the first place! Years ago it was pop in to the shop and get something that suited and filled a gap (say once a year!). Now my purchases have become more experiential with the researching and hunting. Pleased to say that only about 15% of my purchases are 'not quite right' after a year or so.

Also the SA relationship makes it tough (for me) to walk out empty handed and say no to 'limited' offers. I have been burned by saying no and then trying to hunt to no avail.

I like the rule to not buy unless it 100% suits, I may try to apply that to Wow double face but that design is so emotional to me...
I feel you. My collection has grown exponentially in the last year. But I’m wearing my scarves a lot more these days.

I’m interested to hear what speaks to you about Wow. I like it but am so curious what the emotional connection is for you! C’est la Fete was my first H scarf. I actually got the men’s grey shawl several years back so that’s a slight emotional connection for me to get one colorway of the silk. I might not get a second though.
 
I have been doing some intense studying of my scarf wearing habits of the past year (along with the concept of CPW we started earlier) with my hunky dory spreadsheet I made the other day.

I am happy to say, many of the instinctual assessments about my scarf wearing I have made do actually pan out on real paper...but there were also some surprises!

My most worn scarf of last year was my Kachinas giant triangle which showed up in my SOTD phone images 13 times. Coming in a close second were Axis Mundi mousseline (11), Acte iii 90cm (11), Bains d'H (11) (only counting the times I actually photographed it for SOTD- I probably wore it more because I often go walking in it), Grand Prix du Faubourg (10) and Caducee Rock (9) (same thing with CR- I often wear it even if I don't take a pic for SOTD so it may be more than that)

The only 90cm scarf that had very low wears was my Phaeton, but it is 60 years old and gets a pass because I only bring it out for special occasions (like when the weather is jusssst right for it).

The mousselines and what I call my "oddball" scarves (giant triangle, pareo, cotton silk) tend to get the most wear but to my surprise, I found I also rotated fairly evenly among my 90s which I was not expecting to be the case.

The pocket squares aren't seeing as much wear as the moussies (no surprise there) or even the 90s (that was a surprise!) so that tells me I need to stop getting them, or think much more carefully before adding one on again now.

The CSGMs are still in their first full year, so I don't have a lot of data, but since I got my first one last summer, I can see that they are going to see heavy year round use because they show up almost a frequently as the mousselines. And that makes sense. Where I work, the temperature is pretty much kept the same summer or winter. And in winter, that temp feels fine! And then outside is a no brainer to have a heavy scarf. But in summer, when your choice is wear a tank top outside or have a heat stroke, then go in where the temp is STILL 68F (just like it was mid-winter) regardless of the fact that it is 100F outside...well...you need at least a jacket over that tank top (and preferably a cashmere scarf!).

The complication here is (up to now) I only have had a picture record of when I took a pic for SOTD so it may not be showing the full numbers for my wearings. Also, in relation to the CPW, here's an easy "trick " I use in order to stretch my CPW downward faster. I will wear 2 scarves at once (I did today because it was cold and I wanted to wear a moussie, so I stuck a 70 under it for extra warmth) or I wear a gavroche under a CSGM to keep it from itching, and I am also in a position where I may change scarves during the day, which brings my CPW down again. I may wear one scarf to work then another if I go to a class in the evening so may actually wear 2 scarves in one day, but not take a pic both times so my actual number might be low.

Overall, I am liking keeping track of when I wear them, and it does not make me feel bad at all. In fact, looking at the overall spread, I feel like I am doing a pretty good job of rotating through things on a fairly consistent and even basis. There were very few scarves I have that saw less than 5 wears last year. And the few that aren't working for me (or I have possibly "moved on" from) are definitely showing up on my list as the "no wears", which I expected.
I love this! I don't think I am able to put this effort into tracking, but I really love to see how you've done it and also what you gravitate towards!
 
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RAMBLE WARNING: My name is Jbizzy and it’s been 5 minutes since my last “commission” of scarf-aholia.
I have to start over since earning my 3-day chip.“

No disrespect meant. Just the first babbling thoughts entering my head after buying a grail shawl late Thursday afternoon, a SS2020 CLF Monday, committing to a SS2020 scarf ring Monday, and purchasing a Regarde Paris last Friday.

Sign of progress: sale of a scarf last night doesn’t prod me to go buy another, just thank my lucky stars for cash coming in. :tup:

Progress unseen was I thought of you guys, took several days, didn’t buy the first shawl offer or the second from a seller dropping price Twice, until the second seller dropped his price twice. At least I paid less than retail for a new one....small victory:heart:.

Habituation/Exposure/Desensitization therapy: I’m thinking this definitely helps. Example: @xincinsin mentioned—hopefully I interpret correctly—grail/rarity finds may be an exception to the anti-FOMO advice. My regular scrolling of auction sites keeps me aware of what really does come around regularly, almost boring, and I can wait for preferred CW/size, etc., VERSUS the pop-up, rarely seen and a decision “has” to be made even if the decision is “pass”.

Individual experience: We share so many scarfie interests, motivations in common, influenced by our deeply personal and familial experiences, which in turn influence our interpretations, responses, and advice to others. I really appreciate everyone Keeping that light and supportive. :hugs:
Great post, JBizzy. I also think my daily dose of eBay keeps me aware of what is floating around out there, and at what prices. (I don't regularly check other sites - should I?) I do think it helps avoid panic purchases.
Good for you to not turn your scarf sale into another purchase. Well done.
 
Oh yes, I can relate to the weable art concept and its contribution to self expression. I started collecting in 2011/12 and have since amassed over 100 scarves, with over 30 of them pink alone. I wish I was a giraffe, I could wear them all at once. And it was FOMO most definitely in those early years. Plus, the heady rush of buying something beautiful for one's self made resisting temptation nigh impossible. And that is probably a rather unhealthy attitude to have.

But what put the kibosh on scarf buying for me was 4 things: finances, life style change, change in SA, and H's color family concept/simplification of designs. Finances: in the early collecting stage I did go over my budget and did not save as I should. For insurance purposes I started a speadsheet of all H goodies, and between scarves and exotic CDCs, I spent the equivalent of a downpayment on a home. Very scary and eye opening. I also started an MBA four years ago and H monies became tuition monies. My SA left around the same time and I don't have quite the rapport with my new one as I did my old one. With working full time and going to school in the evenings, I dress casually and have little to no time for grabbing and coordinating a scarf, so all my beauties have been languishing unworn. Once school finishes, I do anticipate returning to enjoying my collection.

Finally, the biggest impact on my buying has been the H color family concept and the simple/dull/mashup designs of the last few seasons put a nail in the scarf buying coffin. I get 1-2 a season at most and to be honest, the last three that I have bought, are still in the boxes unworn. I am more focused on the back catalog and to find some of them, it is a long game that requires patience and persistence.
I love hearing about your journey. Thank you for sharing! I do wish you could find a way to appreciate your scarves dressing casually though! I only dress casually. I wear jeans just about everyday, and I still love to wear my scarves with just a long sleeved, plain grey shirt! I do this often and it makes me happy. I do understand about not having the time to coordinate a scarf, but some of the neutrals, perhaps, would be easier to pick up. I was in school for 8 months last year and I also did not wear my scarves as much as I do now, but I wish I had found the chance to!
 
Oh yes, I can relate to the weable art concept and its contribution to self expression. I started collecting in 2011/12 and have since amassed over 100 scarves, with over 30 of them pink alone. I wish I was a giraffe, I could wear them all at once. And it was FOMO most definitely in those early years. Plus, the heady rush of buying something beautiful for one's self made resisting temptation nigh impossible. And that is probably a rather unhealthy attitude to have.

But what put the kibosh on scarf buying for me was 4 things: finances, life style change, change in SA, and H's color family concept/simplification of designs. Finances: in the early collecting stage I did go over my budget and did not save as I should. For insurance purposes I started a speadsheet of all H goodies, and between scarves and exotic CDCs, I spent the equivalent of a downpayment on a home. Very scary and eye opening. I also started an MBA four years ago and H monies became tuition monies. My SA left around the same time and I don't have quite the rapport with my new one as I did my old one. With working full time and going to school in the evenings, I dress casually and have little to no time for grabbing and coordinating a scarf, so all my beauties have been languishing unworn. Once school finishes, I do anticipate returning to enjoying my collection.

Finally, the biggest impact on my buying has been the H color family concept and the simple/dull/mashup designs of the last few seasons put a nail in the scarf buying coffin. I get 1-2 a season at most and to be honest, the last three that I have bought, are still in the boxes unworn. I am more focused on the back catalog and to find some of them, it is a long game that requires patience and persistence.
So great to see you back here! Such an interesting journey you describe. Thank you.
I also enjoy "the long game that requires patience and persistence" although I seem to be nearing the finish line, as there are very few grails left on my list. And I balance that with the frenzy for the new season (I am learning to enjoy a little bit of that rush, without going overboard). I also enjoy real life meetups with other scarfies. There is something satisfying emotionally about that.
 
Yes- the jury os still out today....there's only one color way that MIGHT work me....so we'll see (and something else will have to go if I do...)



:lol: I understand. For me, the adding up of the total spent has been the most fear inducing, more than the CPW concept. And I am till struggling with that. But if you asked someone who liked to allocate spare funds to travel or other forms of enjoyment, would they not find themselves in the same boat in terms of expense allocation? In the end, I guess I don't see how collecting some scarves is any less virtuous than spending your cash on travel trips or a more luxurious car than you "need"? It's all $$$ that could have gone somewhere else in the end, just like with scarves.



No- Phaeton won't ever go anywhere. :smile: The pocket squares get worn less now because of the mousselines, and I am totally fine with that! It just means I found a good fit. Some will stay, and some will go. They actually do serve a double purpose now (under the CSGM in case of the itchies...)



One day at a time Jbizzy!



Yes- the color family thing is a real problem. It's not like they haven't DONE color families in the past, but the lack of variation in the colors is problematic, especially on designs that look like they NEED color variety (Annie Faivre, etc...)

I hear you on the total expense....with 70 scarves (plus a few twillies) it is an eye opener....
Great thoughts about allocating funds. "It's all money that could have gone somewhere else." I'm pondering all this.
 
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