Money Saving

Hidden Secrets to Saving for Retirement

Hidden Secrets to Saving for Retirement

Gone are the days where you worked for a certain number of years and had nothing to worry about when it was time for you to retire. Now, in order for you to have a nice-size nest egg, you need to start saving for your retirement as soon as you start working your first job. The average person doesn’t give much thought to their retirement when they are just starting out. However, that doesn’t mean that it is too late for them to start today. Here are some tips and tricks that can help anyone save for their retirement so they can live a comfortable life, not an impoverished one.

Calculate Your Needs

You need to have a realistic picture of how much it is going to cost for you to support yourself once you retire. Don’t assume that if you stick with your employer long enough that you are automatically covered. Take a look at your retirement savings and do the math. Don’t forget to account for the cost of living and inflation. Ideally, you should expect to save up enough money to replace up 60 to 80 percent of your pre-retirement earnings.Brush up on your financial knowledge by readingbooks and surfing the internet on how to start planning for retirement.Fisher Investments Plan Your Prosperity by Ken Fisher lays out what to consider you should consider when planning for retirement. On the internet, Business Insider has a list of the best online financial websites. You can’t do too much research!Don’t forget to check out other sources of information as well.retirement

Check Out What Your Employer Offers

Many employers offer their workers a 401(k). This type of account can be a significant source of your retirement savings if you utilize it properly. Since most employers match a percentage of their employees’ contributions, increasing your own contributions can really pay off. You are essentially getting free money to improve your quality of living in the future.

Many entrepreneurs, independent contractors, and self-employed professionals do not have a 401(k). However, there is an alternative that they can still take advantage of: IRAs. There are two types of IRAs:traditional and Roth. Just like 401(k)s, you can contribute money to IRAs and watch the money grow without being offset by taxes. Just stay mindful of the limits and rules that govern IRAs. For example, the maximum contribution anyone can make to their IRA for 2016 is $5,500. Anyone who is 50 or older can contribute up to $6,500 a year.

It is also possible for you to have a 401(k) and an IRA. If you do, plan your contributions so you can enjoy all of the advantages and increase your retirement savings significantly.

Mutual Funds

Learn what you can about mutual funds, especially target-date ones. Target-date mutual funds can be great investment tools if you utilize them correctly. For example, the “target date” mutual fund uses the date you plan to retire and adjust risk. Once invested, the mutual funds regularly invest into products with consideration to your situation in life.

Social Security Is Extra

Think of social security as dessert. Since you don’t know how much of it will contribute to your monthly income, it is best to leave it as a possibility, not a complete certainty.

Investment Options

There are other sources of retirement income available; however, most require you to make an initial investment. Many of these options do not pay right away. In fact, many of them offer a bigger return on your investment if you are willing to invest for longer   periods of time. Talk with a financial adviser to learn more about your options. Investing for retirement is not as hard as it sounds. With the right amount of knowledge, guidance, and options, you can grow your retirement savings while you sleep. p>

Don’t Touch Your 401(k) and IRAs

If you switch jobs, you may be tempted to cash out your 401(k) or IRA. Not only is this a bad practice, it is one that can hurt your retirement savings efforts tremendously. Instead, a much better option is for you to roll your 401(k) over to your new employer so you can continue what you’ve started to avoid having your hard-earned money taxed at 10 percent and penalized by the IRS at 7.5 percent. IRAs also have age restriction rules that you need to be aware of.

Save Your Windfalls

Every now and then you may receive a bonus from work, a raise, or even win the lottery. While that extra money can help to increase your comfort and financial situation now, they can be more beneficial if you add them to your retirement savings.

Once your retirement savings reach $75,000, you’ll find that increasing it is much easier. Plan your savings decisions wisely and you’ll be able to reap the benefits when you retire.

Five Ways to Get Extra Money

Bills have a way of cropping up when they are least welcome, especially during the summer months when the electric bill can skyrocket to levels unseen since Enron decided to play around with the California electrical grid.

Here are five ways you can make a quick buck to help catching up on expenses.


Starting your own company can be one of the most rewarding experiences possible in a modern capitalist society. You will encounter new people and face challenges that the average office drone will never encounter.

The potential for profit extends beyond the first client. You can potentially build up a company that you can sell for a decent profit down the line. A business is an investment in yourself and your name. Take great care, and it will turn you a profit both now and in the years to follow. If you’re not sure how to get started here is a good article on freelancing.

Donate Blood or Plasma

Blood banks constantly need fresh supplies, especially for rarer blood types. Contact your local commercial blood bank and find out if they are accepting paid donations today. If so, make a point to stop by and do your civic duty.

Going to a blood bank does more than give you a quick buck – it enables you to take solace in the fact that you could very well be saving a life.

Go to a Pawn Shop

Few people are willing to part with any of their possessions. In a pinch every option must be considered. Is that old television really worth keeping around? How about that computer you replaced with the last tax check?

Take an inventory of your home, and try to offload everything you do not use. Pay close attention to unneeded items that run up your bill, such as that old CRT television in the kids play room. It is an electrical nightmare, costing dollars per day.

Ask For More Hours

If you work in service, approach your employers about working more hours. During the summer months, the amount of business the company receives will normally increase. By offering to take on a greater work load, you can not only make more money but put yourself in a more favorable position for a promotion to manager.

Write a Story

Magazines are looking for stories all the time. So are publishers, both big and small. Drag out that half-finished story you typed up one slow day and finish it. Bring in your worst enemy, and ask that he does his worst. In the end, you will have a well written story ready for submission to many different organizations.

This is a good way to be creative and make a quick buck – additionally if you are successful, this will create a new revenue stream to help you out in the future. As a bonus here is a good article on how to get money fast which has ways not mentioned here.

Do not be afraid to ask for help, new writers come on the scene every day, so take advantage of the resources offered.

Get Rid Of Your Bad Spending Habits And Save

Its always easier to blow right through a budget than it is actually to stick by one. Shopping, eating out, and just purchasing impulsive items is something that we all have probably done in the past. And when you see your credit card statements, you won’t be smiling. But you can always begin with a fresh start, and put a savings plan together.

So read on for some tips you that you can use to get you started on the right track today.

You can get many tips all over the Internet that you can implement in your savings plan. But what can you use that will affect you each and everyday?

It Might not be the Big Ticket…

It might not really be about the big ticket items that are draining your bank account. For example, are you a coffee drinker? If you go to the coffee bar daily, you might be spending upwards of $3 per day. These items tend to add up over time. If you figure that you might purchase one each workday, then that is $60 per month. If you put that in a savings or checking account, then that adds up to $720 for the entire year You can also click here to know more about it. And this can apply to anything that you purchase in small amounts.

Try bringing your lunch with you rather than going out to eat. The savings will start to really add up. This will also give you a great opportunity to cook your own meals, which can help you lose weight or stay in shape.

Don’t Make This Common Mistake…

Most people make the minimum credit card payment each month. It really will feel great to pay down your debt. Add money to your credit card payments each month. Don’t make the minimum. Soon you may see it as a game and challenge to get your debt down to $0. And your bank account will thank you.


Now how many people wait for their paycheck and then splurge and start to purchase items they don’t need. Why not put as much as you can in a savings account, and just take out what you must.  But if you just can’t seem to store away some of your savings each month, there are some strategies you may not like, but they will work. ‘

Have Your Employer Automatically…

You can actually have a certain amount of money automatically deducted from your bank account each month, and have that transferred to a savings account, or even a Roth IRA. Many employers will deduct money from your paycheck if they offer you a 401K. Many professionals highly recommend that you contribute as much as you can to the 401K.

Remember that only you will be able to control your spending, and reel in your poor habits. It will take some work, and soon enough you won’t see it as a hindrance, but as something that you’re proud of. It’s not painful to save money, in fact, your will be happy as your bank account swells.

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By Henry H. Hernandez

Henry Hernandez is an avid hiker, father and veteran from the lone star state. Henry works with an online Houston apartment locator, You can find Henry on Google Plus.

Everyday Advice From The World’s Smartest Financial Minds

Everyday Advice From The World’s Smartest Financial Minds

Save_and_InvestThe world of investing can be scary to those who are new to investments or have had a bad prior experience. A person who invested in the Standard & Poor’s index of 500 selected stocks (S&P 500 index), a broad based measure of the market, at the end of 2006 and who exited the market at the end of March 2009 (when the stock market hit its 12-year low) would have lost over $4,500 or 44.5% of their investment. An individual who also invested at the end of 2006 but chose to stay in the market until the end of January 2014 would be up nearly 24% or $2,400. A person who invested after March 9, 2009 would have gained $11,403, or 104%, on their investment.

What all of this means is that most investors tend to make their decisions when it comes to investing based on emotions or a knee-jerked reaction to economic conditions as opposed to following a proven investment strategy. If investors followed the advice of the best financial minds they might develop a better understanding of the markets and how to improve their investment results. What advice can investors like Warren Buffet, Peter Lynch and George Soros give that can help you create or salvage your investment portfolio? Is it possible to emanate their success and experience the same investment results achieved by these individuals?

Warren Buffet

Warren Buffet, referred to as the Wizard of Omaha, is considered to be one of the greatest financial minds of all time. His company, Berkshire-Hathaway, is one of the most capitalized companies in the world: it’s valued at more than $250 billion. His company’s success makes Buffet one of the richest people in the world; he is worth nearly $60 billion. Buffet’s approach to investing is built around a philosophy of buying stocks with tremendous value and holding the purchases for the long term. In a 2013 letter to Berkshire-Hathaway shareholders, Buffet advises to, “Keep things simple and don’t swing for the fences. When promised quick profits, respond with a quick ‘no.’ ”

Peter Lynch

Along with Buffet, Peter Lynch is also considered among the top echelon of financial minds in the world. Lynch was a portfolio and money manager who in 1977 ran the highly successful Fidelity Investment’s Magellan Fund. When Lynch took over the fund it had $20 million in assets. During his 13 year leadership, the fund outperformed the 500 11 times and he grew the fund into the largest in the U.S. at more than $13 billion. He is known for his “Peter Principles,” which provide simple advice to everyday investors. One of his principles (#14) states, “If you like the store, chances are you’ll love the stock.” In simple terms, investors should focus on buying stocks from companies that they know.

George Soros

George Soros is known as a top tier hedge fund manager whose $25 billion fund not only returns value to investors but is also used to fund his Open Society Foundation which invests in humanitarian, education and social issue causes around the world. Soros survived the Nazi occupation of Budapest during World War II as a Hungarian-Jew and eventually studied at the London School of Economics before going into finance with the launch of Soros Fund Management in 1973. The best advice from Soros for everyday investors to consider, is “Unfortunately, the more complex the system, the greater the room for error.” A simple approach to investing demystifies its complexities and may result in more success than chasing some complicated system that is hard to explain.

Ryan Del-ridge is a freelance financial blogger. He can frequently be found writing about tips for investing in oil wells and the keys to making wise financial decisions.

Top 5 Ways To Save Money

Saving money is something we’ve all needed to become better at doing in recent years. However, most people would probably admit that they could do more. With this in mind, we’ve taken a look at the top five ways you can save money, with some included that could even help you to make extra money on top of the savings for a double dose of financial benefits.

Save MoneyConsider Your Lifestyle

Yes, we know this is probably a very boring idea that you might not want to hear, but the stark reality for the vast majority of people is that changing their lifestyle will have the biggest impact on their finances.

Why don’t people do this? Generally, it’s because they believe their lifestyle is something that is fixed and they then look to earn money to satisfy this. Not a problem, but at the same time if you want extra money it isn’t always going to be easy to get another job and a pay rise.

Think about what you’re spending and if you really need to be spending such amounts. Many people don’t make savings when they think they’ll only save a little, but in terms of the bigger picture you’ll save a great deal more than you expect. It all adds up!

Lose the Car

Some people might throw this into the lifestyle category, but for us many people see a car as an essential rather than as a lifestyle choice. Take it from this author, who thought he needed a car until the day he got rid of it and has saved a small fortune since, without having any problems getting around or living his life. Oh, and he has kids, too.

Yes, public transport costs are increasing, but using it is still cheaper than owning a car in most instances, and you’ll be doing the environment a good turn, too.

Find a Wealth Manager

Even wealthier individuals find themselves looking to save money. If you’re one of these, then using a wealth management company like ACPI is definitely something you should explore.

You can even connect with employees of these companies online through various social media websites, making it easy to discover what they do and how they can make a difference to you. This is an idea that can make you money as well as save you money.

Downsize Your Home

Bigger isn’t always better when it comes to where you live. We’re not saying you need to go to IKEA and get one of their concept homes that puts a whole house into a very small space, but do you really need the two spare bedrooms and third that you’ve converted into an office?

The money you’ll save on a smaller home is huge, too, especially if you’ve paid off your mortgage and will make a profit on the sale; you’ll even have the money for a great holiday!

Go to the Bank

If you don’t want to make too many changes to your life and want to keep your money saving simple, then go to the bank and try a fixed term bond. You can’t withdraw your money, so you’re certain to save rather than spend!

Spend time online and look for financial resources that will help you to make the best decisions for you.

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Graham Barker likes to consider himself a savvy individual who does a lot to save money in his home. As a result, Graham is able to have luxurious holidays every year although he still lives very comfortably despite having a simple life.

Student Advice – Budgeting & Money Saving

Money Saving TipsThe first few days at college or university are pretty exciting, you get registered, find your home for the next year, bid your parents farewell and you are finally on your own and ready to start a big adventure.

For most students though, this will be the first time they have lived on their own and had to fend for themselves. Cooking and washing often come as a shock, but perhaps the biggest challenge is learning to manage money effectively.

If this is something you are worried about, it is important to plan early.
Here’s how to make sure you don’t run out of money!

What Can You Afford?

The good news is that predicting your cashflow for the next 3 years should be pretty simple. You need to start by figuring out exactly what you have coming in. You can add up what you expect to get from student loans, jobs etc…

Now factor in your living costs and tuition. Your tuition fees are probably set at a certain amount per year, so you can take off that amount easily enough. You should also know what you will be paying in rent (and you can estimate bills if necessary); so take off that amount too.

It is easiest to work with your total income over a year and take off your costs. Then just divide that number by the number of weeks in a year (use 52 unless you intend to work over the summer) to find out what you actually have to live-off each week.

Track Your Spending

Once you know what you can afford to spend in a week, start tracking what you actually spend. This may seem like a pain, but it will help you to keep on top of your finances.

Make a note of everything you spend (except for rent and tuition) and each week work out your total outgoings. You can average your spending over a few weeks and you should easily be able to see whether you are sticking to your budget.

If your spending is regularly going over what you can afford, you obviously need to be more careful (or find some additional income).

Learn To Say No

Some of your friends will seem to have more money than you (and some will just not realise how little they have). In the first few weeks especially, it can be tempting to go out all the time, but that is a sure way to over-spend.

It is important to say no when you can’t afford to go out. Or better yet, suggest staying in and everyone cooking together, followed by drinks and games.

Living in student accommodation can be a lot of fun without the need to go out and spend money and if you are careful you can have a lot of fun on a tight budget.

Running Out Of Money

If you keep a budget, you should be able to tell right away that you are going to be short by the end of term, and if that is the case, take action right away.

You could consider moving to a different (cheaper) accommodation if that is an option. Otherwise though you will either need to spend less money or earn more.

One option is to apply for an overdraft to tide you over, and then you can get a summer job to pay it off and hopefully save some extra money ready for the following year. Alternatively; in your first year especially; there is no reason not to get a part-time job to supplement your loan..

This post was contributed by Rick Peterson who writes for a private tutoring website called Uk Tutors. Rick is a mathematician and a lover of science and education.

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Retirement Is Coming Will You Be Ready?

Retirement Is Coming Will You Be Ready?

Whether you are 25, 45 or even older, retirement is one topic that should never be too far away from your thoughts.  Even though retirement may seem far away and there seems to be so many other important things to do, it will get here.  And if you aren’t prepared and you haven’t planned for it, you might find yourself in a very uncomfortable situation.

Here are some proven steps to help get the ball rolling and efficiently plan for your retirement.

Take a Look Around

The first thing you have to do is stop what you’re doing and take stock of your situation.  If you’re going to set up and implement a successful retirement plan, you must be in a position to make it happen.  That means a steady, reliable income and not too much debt hanging over you.

Write down all the details and then you’ll know what you have to work with, and what you may need to change.  This kind of financial review may seem troubling to some, but it’s also necessary if you’re really serious about creating a solid retirement plan.

Make Goals

Goals are wonderful little things to help keep you on track and remind you exactly what it is you’re trying to do.  With something like retirement that may be decades away, goals are even more important.  It’s wise to set long-term goals for your retirement, and short-term goals for various stages along the way.  That way, you can ‘keep your eyes on the prize’ so to speak, while at the same time maintaining your focus through each stage.

See an Expert

There’s no doubt that you can learn a lot from books or online courses, but to really get all the information you need, seeing a retirement expert is the way to go.  There’s really no substitute for having someone teach you how to go through the process, and showing you how to direct your finances in the most efficient way possible.

Look for someone who has a good deal of experience planning retirements and maybe even ask to speak to one or two of his or her clients.  When you seek out the help of a qualified expert, you can customize your plan to suit your exact situation.

You’ll also be able to go in for annual reviews of that situation to make changes, if necessary.  Over the course of many years, income, debt loads and all sorts of other variables may change.  When you have an expert watching over it all for you, the plan will always stay on track and your retirement will never be in doubt.

This post is brought to you by Sam Williams, a real estate agent in Ontario. When it comes to saving up for retirement, he recommends Adrian Spitters from Assante. Adrian provide financial planning services to help you retire early.

Enjoy Summer Fun without Splashing Out

Enjoy Summer Fun without Splashing Out

When your budget leaves you with little room for extra treats, it can be difficult to find ways to enjoy yourself without spending a fortune. By getting creative this summer and making the most of the free or more affordable opportunities which are all around, you will be able to enjoy a long summer of fun in the sun, without damaging your bank balance.
If you regularly take holidays abroad during the summer months, but a break abroad will be beyond your budget this year, take a look at the following cheap ideas of how you could enjoy a summer to remember, even if you are staying at home.

Pack Up a Picnic

Why spend money on an expensive meal at a restaurant when you can make up a picnic basket or cool bag of treats and head outside to enjoy the scenery? Whether you are simply dining al fresco with a fresh salad on your garden lawn, or you are taking a trip to your favorite park for an afternoon of sunshine and sandwiches, a picnic is an easy and affordable way to spend a relaxing day.
If a big group of you get together and agree to each bring a different item of food or drink, then your picnic can be even more affordable. All you need are a few things to eat, some refreshing drinks and a picnic blanket, and you will be all set for a simple yet enjoyable lunch in the open air. For something a little different, why not try a classic barbecue with your friends on a summer evening?

Get Gardening

Gardening isn’t just about mundane tasks like mowing the lawn. When the sun shines, take the opportunity to get outside and make the most of the sun by spending some time improving your green space. Colourful and fragrant flowers help to make any garden a more pleasant space to spend an hour or two, so why not invest in a few new plants to brighten up your outside space?
Not only will you be improving your garden, but you will also be enjoying the fresh air, getting a good tan and lifting your spirits. All without spending a fortune.

Grab your Walking Boots

If you are lucky enough to live in the countryside, then you will be surrounded by opportunities for affordable exercise. Simply put on a good pair of walking shoes, grab a bottle of water to keep you refreshed, and head out into the fresh air to enjoy a relaxing walk. Whether you prefer a leisurely stroll or a more adventurous hike, going for a walk is a proven way to improve your mood and give your health a boost.
If you live in a more urban environment, then you can still enjoy the benefits of a good walk. Take a trip to a different area of your town or city and explore new streets, or alternatively go for a quiet stroll around your nearest park.

Go On a Fruit Hunt

From picking strawberries to seeking out blackberries, fruit picking is synonymous with summer, and doesn’t cost a penny. Grab a basket or bag, head to your nearest hedgerow, and see what delicious treats you can discover. Whether you are picking to eat, or are planning to whip up a delicious smoothie with your bounty, going on the lookout for fresh fruit is a rewarding and enjoyable way to spend a summer day.
There are numerous farms who offer self-picking, where you can help to bring in the fruity harvest in return for a few pieces of fruit of your own.
These are just a few of the ways to enjoy the summer season without stretching your budget. Think a little more creatively and it can be easy to find free and fun ways to make the most of the summer.

This post was written by Hayley Francis on behalf of Pounds to Pocket, providers of unsecured loans to help with your financial situation.

Innovative Ways of Cutting Costs

Innovative Ways of Cutting Costs

Times are tough, there’s no denying that; it’s all over the news and people are moaning about it at the bus stop- it may even have overtaken the weather as the most popular talking point. No one’s got much money anymore, that’s what we’re hearing. Fuel prices have gone through the roof and broken off some tiles on the way, the price of living is steadily rising and long gone are the days when you could take the kids to a theme park on a whim. As a nation, we’ve always had a reputation of pushing through the hard times with smiles on our faces and that’s exactly what we’ll do this time. In the meantime, here are some tips on saving money this summer:

Plan your meals

On our weekly shopping trips, a lot of us have a tendency to wander up and down the aisles, picking up whatever we fancy and putting it into the trolley. Unfortunately, that means that more often than not we don’t have the right food to make a week’s worth of meals and what we do have often doesn’t get used and is put in the bin. The best way to spend less at the supermarket and reduce the food that you’re throwing away is by planning your meals. Planning your meals before you go to the shops means you can write a list of what you need for the week. You won’t buy anything you don’t need and you won’t have to make emergency trips to the corner shop because you’ve forgotten something important. Preparation is the key to saving money.

Save electricity

This is something that has been said for a while, but it’s worth saying again. Saving electricity not only saves you money on your electric bills, it also saves the environment. Energy prices are going up and they have been for a while so doing little things like turning lights off when you leave the room and getting cosy in a blanket instead of putting the heating on can make a real difference to your household bills. It’s worth a try isn’t it?

Free fun days

Every year we simultaneously look forward to and dread the summer holidays. It’s great to have the kids around but it’s absolutely impossible to keep them entertained. Lots of us resort to taking them to the cinema or even bowling but, once again, it’s getting too expensive. So this summer, it’s time for free family fun days which sounds incredibly cheesy but the important thing is they’re free and fun. There are lots of things to do in your own home that are completely free. Why not try having a three day garden (or house if it’s raining) Olympic Games? You can create obstacle courses and treasure hunts and give out home-made gold medals to the winners. How about a family ‘Come Dine with Me’, you might not get culinary masterpieces but it’s a fun way of making dinner and keeping the kids happy.
There are a million ways to look after your finances; you just have to be organized, prepared and you need to get creative!

This post was written by Jennifer Griffiths on behalf of Pounds to Pocket; specialising in 12 month unsecured loans to help you out when times are tough.

Shopping Madness: Saving Money through Site Newsletters

Shopping Madness: Saving Money through Site Newsletters

If shopping for clothing and accessories happens to be an enjoyable activity, but you are trying to cut back on spending, there are several ways to not splurge as much. Of course there are obvious ways to not squander money, such as not using your credit cards, only buying the necessities, and using coupons. But, did you also know that site newsletters will also help you save? Newsletters are a great way to stay in touch with your favorite brand names and every once in a while you also will be sent outstanding discount codes on sales and more.

Subscribe to Site Newsletters

Even though site newsletters may seen annoying in your e-mail inbox, for most sites the first time you subscribe to a newsletter you will automatically be sent a welcome letter. Usually a site’s welcome newsletter will also consist of a discount code that will give you a nice percentage up to 20% percentage off of your first purchase. You can use the discount code the next time you’re on the site to save money on a new outfit you’ve been wanting or a present that you’d like to give to a friend.

Newsletters Update You on Holiday Discounts and Specials

During the holidays sites want nothing more than to make sales, so they develop enticing newsletters that they send out to their consumers. When it is Christmas, Labor Day, or another well known holiday, this is usually the best time for you to receive and stay updated on huge discounts on products that are available on the site. Stay subscribed to your favorite sites’ newsletters and you will receive some great discount codes when special events and the holidays roll around.

Newsletters Also Will E-mail You about Special Promotions

Besides just coupon codes, company newsletters will also advertise special promotions that are going on their sites, from free vacations to buy one get one free opportunities. It may seem far fetched to receive a free vacation, but you never know if you will win one unless you enter. Entering into contests is completely free and you can’t beat a free vacation that will send you to a space you’ve always wanted to visit. Plus, sites also send out fantastic newsletters reminding you of new products that are on sale and fun promotions and incentives, such as spending a certain amount of money and getting $25 dollars (for example), off of a purchase or more.

So start subscribing to your favorite site newsletters and you might be surprised in regards to the money you will save. Yes, newsletters also increase shopping temptation, but if you only subscribe to newsletters that will help you save money, that should be the main incentive. So start now and save by subscribing to newsletters. Sites will definitely reward you by sending you reminders of great discounts, contests, and more.

Sierra is an avid shopper who is always looking for a good deal. She loves visiting sites like where she saves money through coupons and more. Stay updated with Sierra by visiting her blog Ocean Dreams.

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