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16 Highly Recommended Budget And Chic Online Fashion Stores You Should Bookmark

16 Highly Recommended Budget And Chic Online Fashion Stores You Should Bookmark

Shopping for clothes online is fun, but being faced with thousands of online stores to choose from can be overwhelming, and coming across beautiful yet expensive items can be discouraging. It helps to have a list of highly recommended, chic budget-friendly online stores that offer great deals and allow you to stay within your financial limits. These sixteen online fashion stores offer a variety of stylish, attractive choices for all of your clothing and accessory needs at very affordable prices.

1. 10DollarMall

10DollarMall Cheap Shoes and Clothes

    10DollarMall offers fun, stylish shoes, clothing and accessories for teens and children, and everything is $9.99 or less. Whether you’re looking for dresses, jeans, shorts, tops, swimsuits, sandals, purses, scarves or something else, you’re bound to find it for a cheap price at 10DollarMall, the perfect place to stock up on basics and stylish pieces for the school year or summer.

    2. ASOS

    The hottest brands and accessories

      ASOS is your style destination if you are looking for a place where you can shop the hottest brands of men’s and women’s clothing and accessories at a great value. Pick your favorite brand from their handy alphabetized list, or even shop from ASOS’ own exclusive line. Searching for exactly what you want is easy because you can refine your search by clothing color, style, length, size, price range, or brand. Shop the sale section for the best deals, and don’t forget to use promo code GAME10 to get an extra 10% off sale prices. You’ll even get free shipping on orders that are $25.00 or more.

      3. Bella Ella Boutique

      Fashionable boutique out of Utah

        Bella Ella Boutique, based out of Utah, is the perfect place to find tasteful, feminine women’s clothing and accessories at prices you will love. Bella Ella Boutique’s fun, colorful clothing provides options for every season and occasion, so you can feel gorgeous and put together wherever you go.
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        4. Bluefly
        Bluefly offers ffordable fashionable

          Bluefly offers the most fashionable trends and designer brands at the best prices. With tons of markdowns to fit any budget, you can find the best clothing and accessories for men, women and kids. Whether you’re shopping for yourself or someone else, Bluefly has everything you need. There is a complimentary personal shopper service available over the phone or through live chat.

          5. Foreign Exchange
          Foreign Exchange is a new clothing company with a mission

            Foreign Exchange is a new clothing company with a mission: to represent worldwide cultures through men’s and women’s clothing and accessories. Designers from all around the world contribute to Foreign Exchange’s collection, ensuring every individual will find something perfect for their own unique style. From the office over a night out to the beach, Foreign Exchange will take you anywhere you want to go at prices just right for you.

            6. GoJane
            Trendy clothing for women

              GoJane is dedicated to finding the hottest styles for trendy young women who are looking for fashionably fun clothing and accessories while on a budget. GoJane dresses are sure to turn heads in vibrant colors and patterns, and shoe fanatics will love GoJane’s extensive footwear collection.

              7. H&M

              H&M is one of the largest international clothing retailers

                H&M is an international retailer of men’s, women’s and children’s clothing and accessories, with thousands of stores around the world and a dedication to sustainable fashion for the best value. From the hottest trends to the most essential basics, H&M can meet the needs of every wardrobe. H&M’s maternity line helps expecting mothers feel fashionable and chic, and families can find stylish yet durable outfits for babies to children of all ages
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                8. JCPenney

                Women's clothing for all shapes and sizes

                  JCPenney has been serving the clothing and accessory needs of men, women, juniors, children and babies for more than 100 years. Today, you can still find all the clothing essentials at a great value for every shape and size. Women’s clothing is available in petite, tall, plus size and maternity categories, and men’s clothing is available in young men, big and tall categories. Women love the huge selection of business casual shirts and blouses that offer a flattering and comfortable fit. You can pick up your order at a JCPenney store near you with free shipping to stores with an order over $25.00, or free shipping to your home or office for orders over $99.00.

                  9. ModCloth
                  ModCloth specializes in vintage-inspired clothing and accessories

                    ModCloth specializes in vintage-inspired clothing and accessories for juniors and women. From their carefully tailored, sophisticated dresses to their unique, whimsical graphic tees, ModCloth shows incredible attention to detail with every item available. Many product listings include customers wearing the cloth or even videos of a model wearing it with audio commentary on item details and suggestions of complementary pieces.

                    10. ModDeals

                    New budget online store

                      ModDeals is a new online store run by experts who search far and wide for the best junior’s fashions and offer items at prices up to 70% off their retail value. You can grab gorgeous dresses for as low as $10.00 each, or stylish cardigans for a steal at $7.50. You can stock up on $5.00 basics and hip $10.00 handbags, too. ModDeals is ready to meet every occasion with quality products at unbeatable prices.

                      11. Papaya Clothing
                      Papaya offers juniors a reasonable and fashionable boutique to shop from

                        Papaya Clothing is an upscale online retailer offering women’s clothing and accessories for ages 16 to 25. Constant sales and hot deals abound for tops, dresses, sandals, swimwear, activewear, summer rompers, and much more. Basics for as low as $2.99 come in tons of colors and styles. It’s easy to find any kind of clothing or accessory to fit your budget with Papaya Clothing.

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                        Ruche is an online clothing retailer lovingly established by Mai and Josh Olivo. Ruche products had their start in an eBay store operated out of the Olivos’ home, which soon grew into a budding startup based in Fullerton, CA. Clothing and accessories from Ruche are elegant, modern, vintage-inspired treasures designed to make women feel sophisticated with an indie flair. Ruche offers everyday women’s wear, a modest line for babies, as well as an exclusive bridal line with simple, affordable wedding dresses, bridesmaid dresses and bridal accessories. “Ruchettes” can feel good about supporting this locally owned retailer that has been encouraging women to live beautifully for six years and going strong.

                        13. SheInside

                        Fashionable clothing for women all over the world

                          SheInside, based in China, constantly has its fingertips on the pulse of the fashion market. SheInside brings customers the hottest styles from Paris, London, New York, Shanghai and Tokyo, at affordable prices women love. At SheInside, women ages 18 to 35 can find the most unique pieces that will make them shine like the fashion-forward trendsetters they are, including exclusive pre-sale items, daily new items, and dazzling accessories you can’t find anywhere else.

                          14. Target

                          The latest styles in women's and men's clothing

                            Target has been a trusted household name for value, style and simplicity for 52 years. Offering everything from men’s, women’s and juniors’ clothing and accessories to kids’, toddlers’ and infants’ clothing and accessories, Target promises the highest level of customer service to ensure satisfied shoppers both in-store and online. Basics and designer brands alike are available at low prices everyone will love.

                            15. The Polkadot Alley
                            A fun and fashion forward online fashion store

                              Originally just a custom towel wrap brand, The Polkadot Alley expanded into apparel and hasn’t looked back since. A family-run operation, The Polkadot Alley is a fun and fashion forward online boutique that can fit within anyone’s budget, even one of a college student. Additionally, they offer deep discounts on their Facebook page every Wednesday and Sunday night at 8:45pm CST.

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                              From its start-up beginnings to its current workforce in Florida offices, Venus has been committed to serving the fashion needs of women everywhere since 1982. Venus brings the hottest new styles from the runway to your home with dedicated customer service every step of the way. Venus strives to make every woman feel like a goddess with their quality, stylish clothing items and accessories, from casual wear to glam dresses or suits and separates.

                              Featured photo credit: Creativa via shutterstock.com

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                              Last Updated on June 6, 2019

                              The Average Retirement Savings and How to Save Wisely

                              The Average Retirement Savings and How to Save Wisely

                              Are you on track for retirement?

                              If not, don’t worry, I’m not sure either. I save each month and hope for the best.

                              Fortunately, I’m at an age where most people don’t save so I’m ahead of the curve.

                              But, what if you aren’t in your 20s? What if you’re near retirement and are looking to gauge where you stand?

                              If so, keep reading. Here’s how to prepare for retirement and save wisely during the process.

                              What Does the Average American Have Saved for Retirement?

                              Saving for retirement is tricky.

                              Tell someone straight out of college to save $10k a year for retirement and it’ll be next to impossible.

                              Make the same request to someone decades older and they’d be more likely to be able to save this amount. But, a 20-year old college student can be “financially ahead” of someone saving more than them. Why?

                              Age matters in your financial journey. The younger you are, the more time you have to save and put compound interest to work. As you get older and have more saving power, you’d have less time to put compound interest to work.

                              Here are the average savings Americans hold by age bracket:

                              20’s – $16,000

                              During this stage, most people are paying loans and moving up the corporate ladder. Your best bet during this stage is to focus on eliminating debt and increasing your income. Don’t focus only on getting a high-paying job neither.

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                              Instead, focus on learning via Podcasts, reading books, and taking specialized courses. Doing this will make you more valuable and give you more career options.

                              30’s – $45,000

                              At this stage, you’ve hopefully escaped your entry-level salary and work at a career you enjoy. Your earning power has increased but you now have more obligations. For example, marriage, kids, and a mortgage.

                              Set a plan to pay off all your debt and focus on eliminating unnecessary expenses. Leverage financial tools like Personal Capital to ensure you’re on track for retirement.

                              40’s – $63,000

                              This is the stage where you’re at the prime of your career. Top financial institutions recommend you have at least 2 to 4 times your salary saved up. If you’re falling behind, start maxing out your 401K and Roth IRA accounts.

                              50’s – $115,000

                              During your fifties, you’re close to retirement but still, have time to save. You may be helping your kids pay college tuition and other expenses. Since you’re at the peak of your earning power, max out all your retirement accounts.

                              60’s – $172,000

                              By this point, you should have about eight times your salary saved up. If not, you’ll depend primarily on social security benefits averaging $1400 per month. Max out all your retirement options as much as possible before retiring.

                              Ways to Save Money on a Tight Budget

                              The sad reality is that most Americans aren’t saving enough for retirement.

                              Even high-earning power isn’t enough to secure one’s financial future. You need to have the discipline to save for retirement while time is in your favor. Don’t wait for you to have a high salary to save, start with having a small budget.

                              First, get a clear picture of where you stand. Write down a list of “needs” and “wants.” For example, Netflix and Amazon Prime are “wants” and a “cell-phone” is a need.

                              Use tools like Personal Capital to analyze your spending patterns. Personal Capital allows you to add all your financial data in one place–making it a powerful option to gauge where you stand.

                              Once you know all your expenses, organize them from highest to lowest expense. When you can’t cut more expenses, call your service providers to negotiate a lower price. If you’re not good at negotiating, use services like Trimm to lower your monthly expenses.

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                              How to Save Money Each Month

                              By this point, you know the average amount of money you should have saved for retirement based on your age.

                              But, breaking this down into monthly goals can be challenging. Here are some rule of thumbs to follow:

                              Aim to contribute 10%–15% of your salary each paycheck. Review your progress each week.

                              Why so often? The reality is that life gets in our way and you will have many financial setbacks. Your goal isn’t to be perfect but to get back on track instead.

                              Reviewing your finances weekly lets you know where you stand with your retirement. This doesn’t have to be a long process either. All it takes is login in Personal Capital to view your net worth and check how much you have saved for retirement.

                              Turn saving into a game and aim to save more each month. It will get challenging but you’ll get creative and find more ways to save.

                              Top Money Saving Challenge Tips

                              To prepare for your financial future and not be another statistic you need to be different.

                              How?

                              By adopting new habits that’ll help you become a saving machine. Here are some ways you can save more:

                              Automatically Contribute Towards Retirement

                              If you’re working for a company, you can automatically contribute towards your 401k. If you’re not currently contributing more than 10%, make this your goal. Contribute 1% more today and automatically increase this amount a year from now.

                              Odds are that you’re not going to be negatively affected by contributing 1% more. Many times we spend our money on things we don’t need. Contributing more towards retirement is a great way to secure your financial future.

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                              Use the Right Tools to Know Where You Stand

                              Once you’re contributing more towards your retirement accounts, gauge your progress. Make use of finance tracking apps to help you view the big picture of your retirement.

                              When I’d first signed up for the app Personal Capital, I didn’t know I had a negative net worth. Despite saving thousands of dollars, my debt brought my net worth to the negative. Knowing this motivated me to save more and spend less.

                              Now, I have a positive net worth. But, it was because I was able to view the big picture using the app. Find out what your net worth is using a finance tracking app and you may surprise yourself.

                              Bring in Experts to View Your Blind Spots

                              If you have too little or too much money saved, you should consider hiring financial experts.

                              Why?

                              You may need someone to hold you accountable to help you reach your financial goals. Or, you may need help managing your money as effective as possible.

                              Regardless of the reason, getting help may help improve your financial situation.

                              Before you hire an expert, find out which areas you need help the most. For example, if you’re constantly overspending, find a debt counselor. If you’re struggling with choosing the best investment options, hire a financial advisor.

                              Speed up Your Retirement Contribution

                              After learning how to manage your money well, the next best thing is to earn a higher income.

                              You’re capped at how much you can save but not much you can earn. Even if your employer isn’t giving you a promotion, you can still take charge of your financial future. How?

                              By starting a side-business.

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                              This will be something you’d work on after you’ve finished your day job. Once you start earning income from your side-business, you’ll be financially better off.

                              The best part is the more work you put into your side-business,[1] the more potential it has to earn more money.

                              So start a side-business in an area you’re familiar with. For example, if you enjoy writing, do freelance writing for small e-commerce businesses.

                              Once you’re earning a higher income, you can contribute more towards your retirement. Don’t wait for the right opportunity to secure your financial future, create one.

                              Reach Financial Freedom with Confidence

                              What if you were able to retire tomorrow with no problem, all because you’d have enough money saved up and little to no debt left to pay off? How would you feel?

                              My guess is that you’d feel happy and relieved.

                              Most Americans are falling behind their retirement goals for many reasons. They’re not prepared, they carry bad money-habits and are thinking short-term.

                              For you to retire successfully, you need to work backward and adopt better habits. Contribute more towards your 401K and focus on growing your income.

                              If you do, you’ll save money and pay debt faster.

                              Don’t beat yourself up if you’re behind your retirement goals. Take the first step today towards a brighter financial future. Isn’t retirement worth the hard work and sacrifice to be at peace?

                              Featured photo credit: Huy Phan via unsplash.com

                              Reference

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