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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 September 2, 2020

                              How to Set Financial Goals and Actually Meet Them

                              How to Set Financial Goals and Actually Meet Them

                              Personal finances can push anyone to the point of extreme anxiety and worry. Easier said than done, planning finances is not an egg meant for everyone’s basket. That’s why most of us are often living pay check to pay check. But did anyone tell you that it is actually not a tough task to meet your financial goals?

                              In this article, we will explore ways to set financial goals and actually meet them with ease.

                              4 Steps to Setting Financial Goals

                              Though setting financial goals might seem to be a daunting task, if one has the will and clarity of thought, it is rather easy. Try using these steps to get you started.

                              1. Be Clear About the Objectives

                              Any goal without a clear objective is nothing more than a pipe dream, and this couldn’t be more true for financial matters.

                              It is often said that savings is nothing but deferred consumption. Therefore, if you are saving today, then you should be crystal clear about what it’s for. It could be anything, including your child’s education, retirement, marriage, that dream vacation, fancy car, etc.

                              Once the objective is clear, put a monetary value to that objective and the time frame. The important point at this step of goal setting is to list all the objectives that you foresee in the future and put a value to each.

                              2. Keep Goals Realistic

                              It’s good to be an optimistic person but being a Pollyanna is not desirable. Similarly, while it might be a good thing to keep your financial goals a bit aggressive, going beyond what you can realistically achieve will definitely hurt your chances of making meaningful progress.

                              It’s important that you keep your goals realistic, as it will help you stay the course and keep you motivated throughout the journey.

                              3. Account for Inflation

                              Ronald Reagan once said: “Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hitman.” This quote sums up what inflation could do your financial goals.

                              Therefore, account for inflation[1] whenever you are putting a monetary value to a financial objective that is far into the future.

                              For example, if one of your financial goal is your son’s college education, which is 15 years from now, then inflation would increase the monetary burden by more than 50% if inflation is a mere 3%. Always account for this to avoid falling short of your goals.

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                              4. Short Term Vs Long Term

                              Just like every calorie is not the same, the approach to achieving every financial goal will not be the same. It’s important to bifurcate goals into short-term and long-term.

                              As a rule of thumb, any financial goal that is due in next 3 years should be termed as a short-term goal. Any longer duration goals are to be classified as long-term goals. This bifurcation of goals into short-term vs long-term will help in choosing the right investment instrument to achieve them.

                              By now, you should be ready with your list of financial goals. Now, it’s time to go all out and achieve them.

                              How to Achieve Your Financial Goals

                              Whenever we talk about chasing any financial goal, it is usually a two-step process:

                              • Ensuring healthy savings
                              • Making smart investments

                              You will need to save enough and invest those savings wisely so that they grow over a period of time to help you achieve goals.

                              Ensuring Healthy Savings

                              Self-realization is the best form of realization, and unless you decide what your current financial position is, you aren’t heading anywhere.

                              This is the focal point from where you start your journey of achieving financial goals.

                              1. Track Expenses

                              The first and the foremost thing to be done is to track your spending. Use any of the expense tracking mobile apps to record your expenses. Once you start doing it diligently, you will be surprised by how small expenses add up to a sizable amount.

                              Also categorize those expenses into different buckets so that you know which bucket is eating most of your pay check. This record keeping will pave the way for cutting down on un-wanted expenses and pumping up your savings rate.

                              If you’re not sure where to start when tracking expenses, this article may be able to help.

                              2. Pay Yourself First

                              Generally, savings come after all the expenses have been taken care of. This is a classic mistake when setting financial goals. We pay ourselves last!

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                              Ideally, this should be planned upside down. We should be paying ourselves first and then to the world, i.e. we should be taking out the planned saving amount first and manage all the expenses from the rest.

                              The best way to actually implement this is to put the savings on automatic mode, i.e. money flowing automatically into different financial instruments (mutual funds, retirement accounts, etc) every month.

                              Taking the automatic route will help release some control and compel us to manage what’s left, increasing the savings rate.

                              3. Make a Plan and Vow to Stick With It

                              Learning to create a budget is the best way to get around the uncertainty that financial plans always pose. Decide in advance how spending has to be organized

                              Nowadays, several money management apps can help you do this automatically.

                              At first, you may not be able to stick to your plans completely, but don’t let that become a reason why you stop budgeting entirely.

                              Make use of technology solutions you like. Explore options and alternatives that let you make use of the available wallet options, and choose the one that suits you the most. In time, you will get accustomed to making use of these solutions.

                              You will find that they make it simpler for you to follow your plan, which would have been difficult otherwise.

                              4. Make Savings a Habit and Not a Goal

                              In the book Nudge, authors Richard Thaler and Cass Sunstein advocate that, in order to achieve any goal, it should be broken down into habits since habits are more intuitive for people to adapt to.

                              Make savings a habit rather than a goal. While it might seem to be counterintuitive to many, there are some deft ways of doing it. For example:

                              • Always eat out (if at all) during weekdays rather than weekends. Weekends are more expensive.
                              • If you are a travel buff, try to travel during off-season. You’ll spend significantly less.
                              • If you go shopping, always look out for coupons and see where can you get the best deal.

                              The key point is to imbibe the action that results in savings rather than on the savings itself, which is the outcome. Focusing on the outcome will bring out the feeling of sacrifice, which will be harder to sustain over a period of time.

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                              5. Talk About It

                              Sticking to the saving schedule (to achieve financial goals) is not an easy journey. There will be many distractions from those who are not aligned with your mission.

                              Therefore, in order to stay the course, surround yourself with people who are also on the same bandwagon. Daily discussions with them will keep you motivated to move forward.

                              6. Maintain a Journal

                              For some people, writing helps a great deal in making sure that they achieve what they plan.

                              If you are one of them, maintain a proper journal, where you write down your goals and also jot down the extent to which you managed to meet them. This will help you in reviewing how far you have come and which goals you have met.

                              When you have a written commitment on paper, you are going to feel more energized to follow the plan and stick to it. Moreover, it is going to be a lot easier for you to track your progress.

                              Making Smart Investments

                              Savings by themselves don’t take anyone too far. However, savings, when invested wisely, can do wonders.

                              1. Consult a Financial Advisor

                              Investment doesn’t come naturally to most of us, so it’s wise to consult a financial advisor.

                              Talk to him/her about your financial goals and savings, and then seek advice for the best investment instruments to achieve your goals.

                              2. Choose Your Investment Instrument Wisely

                              Though your financial advisor will suggest the best investment instruments, it doesn’t hurt to know a bit about the common ones, like a savings account, Roth IRA, and others.

                              Just like “no one is born a criminal,” no investment instrument is bad or good. It is the application of that instrument that makes all the difference[2].

                              As a general rule, for all your short-term financial goals, choose an investment instrument that has debt nature, for example fixed deposits, debt mutual funds, etc. The reason for going for debt instruments is that chances of capital loss is less compared to equity instruments.

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                              3. Compounding Is the Eighth Wonder

                              Einstein once remarked about compounding:

                              “Compound interest is the eighth wonder of the world. He who understands it, earns it… He who doesn’t… Pays it.”

                              Use compound interest when setting financial goals

                                Make friends with this wonder kid. The sooner you become friends with it, the quicker you will reach closer to your financial goals.

                                Start saving early so that time is on your side to help you bear the fruits of compounding.

                                4. Measure, Measure, Measure

                                All of us do good when it comes to earning more per month but fail miserably when it comes to measuring the investments and taking stock of how our investments are doing.

                                If we don’t measure progress at the right times, we are shooting in the dark. We won’t know if our saving rate is appropriate or not, whether the financial advisor is doing a decent job, or whether we are moving closer to our target.

                                Measure everything. If you can’t measure it all yourself, ask your financial advisor to do it for you. But do it!

                                The Bottom Line

                                Managing your extra money to achieve your short and long-term financial goals

                                and live a debt-free life is doable for anyone who is willing to put in the time and effort. Use the tips above to get you started on your path to setting financial goals.

                                More Tips on Financial Goals

                                Featured photo credit: Micheile Henderson via unsplash.com

                                Reference

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