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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 July 10, 2020

                              The Definitive Guide to Get out of Debt Fast (and Forever)

                              The Definitive Guide to Get out of Debt Fast (and Forever)

                              Debt can feel crushing, like a weight that is always weighing you down. Looking at those numbers, it can feel as if you’ll never get out from under it. However, if you really want to learn how to get out of debt, it is possible with a great deal of focus and self-control.

                              Getting out of debt isn’t impossible. Like any big goal, all that it takes is an action plan to identify where you are and creating a plan to zero out your debt.

                              Identifying All of Your Debts

                              The first part of paying off your debt is getting a complete picture of what you owe. When you have everything written out in front of you, it makes it much easier to create an action plan. Depending on how much you owe, it might also help you realize it’s not as bad you might have originally thought.

                              Here’s how you can get started identifying your debts:

                              1. Own Your Debt

                              Before you start identifying all of your debts, take a moment to process that you have debt but want to get out of it.

                              Forgive yourself for any past mistakes, missed payments, or overspending. It might be painful to accept how much debt you have at first, but you must own it.

                              2. Make a Debt Tracker

                              It’s astonishing how few people ever created a tracker to understand their total debts. Most likely, it comes from not wanting to accept the guilt of having debt, but, if avoided, it can make it nearly impossible to get out of debt.

                              Open up a new Google or Microsoft Excel sheet and list out all of your debts. Start with the name of the creditor, interest rates, total balance, loan term length (if any), and the minimum amount due each payment. This will include student loans, credit cards, and any other type of debt owed.

                              3. Get Your Debt Number

                              Once you’ve made your debt tracker and taken the other steps, identify your total payoff number. This is crucial, as you will have a starting point and a clear goal that you are trying to achieve.

                              Prioritizing Your Debts

                              All debt is not created equal. It’s imperative to understand that there are different types of debt.

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                              1. Understand Bad and Good Debts

                              Bad debts are usually paying for things you want instead of always need. While there might be some emergencies that max out your credit cards, often times it’s excessive spending[1].

                              There are three main types of bad debt:

                              • Credit Card Debt: The average American household owes over $16,000 in credit card debt!
                              • Auto Loan Debt: According to CNBC , the average auto loan in the US is $30,032!
                              • Consumer Loan Debt: Consumer loan debt isn’t as common as credit card and auto loan debt, but it’s still considered bad as interest rates are usually between 10-28%.

                              Good debt is identified as investments in your future. Here are three common types of good debt:

                              • Student Loan Debt
                              • Mortgage Loan
                              • Business Loans

                              2. Decide Which Debt to Pay off First

                              Once you know each type of debt and their interest rates, you can begin to pay off debt quickly.

                              Focus on paying off bad debt first, regardless of if it is a credit card or auto loan. Start by paying off the loan with the highest interest rate first.

                              If you have several credit cards with different interest rates, you want to focus on the one with a higher APR. You will actually save more money by eliminating the card with the highest interest rate.

                              3. Don’t Pay the Minimum Amount

                              Paying the minimum amount digs you into a hole as interest rates will offset your payment. Even a small amount more than the minimum can help you pay off debt much faster.

                              Removing Obstacles to Pay off Debt Quickly

                              Creating a debt tracker and prioritizing a plan is simple, but avoiding temptation can be difficult.

                              1. Set a Reminder to Track Your Debt

                              “If you can’t measure it you can’t manage it.” -Peter Drucker

                              It’s so important to track your debt to ensure that you get it paid off quickly. Similar to working out and measuring your results, you need to track your debt constantly. Start with a weekly reminder, where you sign on and log your updated number. Did you increase, decrease, or stay the same?

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                              Regularly tracking your student loan balance can be incredibly motivating, as well. You will get a huge confidence boost each time you see your total debt amount decreases.

                              Set weekly and monthly goals so you can have short term wins and keep the momentum going.

                              2. Hide Your Credit Cards

                              If your biggest debt is credit cards, you need to eliminate temptation and remove them from your wallet.

                              Some people have gone to extreme measures by freezing their credit cards. Why? This would create an ice block around your card, which would require you to chip away at it slowly. This will give you time to think if it’s the best idea to buy that thing you’re about to buy.

                              3. Automate Everything

                              Willpower can be a huge downfall to paying off your debt. By automating your bills each month, you will ensure that willpower isn’t involved.

                              4. Plan Ahead

                              Getting out of debt will require some sacrifices, but with enough planning, you can make it work.

                              For example, if you know that you have a friend’s birthday or family dinner coming up, plan ahead for the costs. Whether you need to cut back on spending the week before, pick up a side job, or meet them after dinner, do what is needed.

                              5. Live Cheaply

                              The only way to get out of debt is to make some sacrifices on your spending habits. Find ways to save money each month so you can apply that amount to your outstanding debts. Here are some ways to save money each month:

                              • Live with roommates
                              • Cook dinners and prepare lunches for work instead of eating out
                              • Cut cable and choose Netflix or Amazon Prime
                              • Take public transit or bike to work

                              Finding the Lowest Interest Rates

                              The higher your interest rates, the harder (and longer) it will take you to pay off any debt.

                              If possible, you want to find ways to lower your interest rates to help get out of debt quickly. Here’s how you can get started:

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                              1. Maintain a High Credit Score

                              Your credit score will have a large impact on your ability to refinance your loans and receive a lower interest rate. If you have a low credit score, it’s unlikely you will be able to refinance your loans. Use these credit tips to increase and maintain an excellent score:

                              • Never miss a payment
                              • Don’t exceed 30% of your credit limit
                              • Don’t sign up for more than one card at once
                              • Limit hard inquires, like auto-loans and new credit cards
                              • Monitor frequently with free credit-tracking software

                              2. Find Balance Transfer Offers

                              Start by opening a free account on credit.com. Credit.com offers you the chance to open a free account and see what type of balance transfer offers you can receive. Some of your existing credit cards might already have 0% or lower APR balance transfer offers available.

                              Contact each of your credit card providers to ask about lowering your rate for a one-time balance transfer offer[2].

                              If you do take advantage of this option, make sure that you use a balance transfer and not a cash advance. Cash advances have a ton of high interest fees (15-25%, depending on your credit card) and will only compound your debt problem.

                              How to Get Rid of Debt Forever

                              Setting up a plan, removing temptations, and getting the lowest interest rates is the first step to get out of debt.

                              1. Keep Monitoring and Adjusting

                              Once you have a plan, don’t get comfortable. Track your debt payoff plan and make the necessary adjustments when needed.

                              Monitor your credit scores with a free site like CreditKarma. The higher your credit score climbs, the more likely you will be to secure a new, lower-interest loan.

                              2. Earn More Money

                              There are only so many ways to save money. Instead of clipping another coupon or making sacrifices for your morning coffee, find ways to earn more money!

                              Think about it…it is much easier to find ways to earn an extra $1,000 per month than find $1,000 to cut from your budget.

                              Here are some examples of ways to earn more money:

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                              Talk to Your Boss

                              Have a conversation with your boss about current salary and/or commission rates. If you’re not satisfied or want a change, don’t be afraid to look around at other positions. Some of them might even have a student loan debt reimbursement plan!

                              Start a Side Hustle

                              This could be coaching students on the weekends, driving for Uber, or taking paid online surveys. There are tons of ways to make money outside your 9-5. Now that you have a clear plan to pay off your debts, you’ll be more motivated than ever to figure out creative new ways to earn money.

                              Build an Online Business

                              There are so many websites and blogs that earn money from ads, affiliates, and other online products. Find your niche and get started.

                              3. Celebrate Your Wins

                              As you progress in your debt payoff journey, don’t forget to celebrate your wins. You need to always reward yourself for the hard work and discipline that is required to get out of debt.

                              While you shouldn’t celebrate so big that it increases debt, make sure to factor in little rewards to keep you motivated.

                              4. Set New Financial Goals

                              Eventually, with a plan and these steps, you can rid yourself of your debt. Once you do, make sure to celebrate your monumental achievement, but don’t stop there.

                              Now, you can focus on acquiring wealth and increasing your net worth. Set new financial goals so you have a new target to aim toward. Here’s how to set financial goals and actually meet them.

                              These could be anything now that you are debt free! Think about where you want to travel, buying your first home, or saving for your future retirement. Just like before, make sure that your goals are specific, measurable, and achievable.

                              Conclusion

                              Congrats, you can now set a plan in motion to finally pay off your debt quickly (and hopefully forever)!

                              Remember, if you want to get out of debt quickly, it’s not always easy. Just like any big goal, there will be sacrifices, challenges, and problems to overcome.

                              More Tips on Getting out of Debt

                              Featured photo credit: Pepi Stojanovski via unsplash.com

                              Reference

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