Must-follow tips for college students

New college students often face financial problems as they lack the knowledge to create proper budgets and also have very small incomes. If you are a college student looking for the knowledge to manage your money read the tips below for guidance on saving, spending and more. There is no better time to become financially educated then right now!

Budgeting

After you leave home you may be tempted to spend money in ways you never dreamed of before. Be careful because without proper planning you will broke by the beginning of the first semester. If you create a reasonable budget you will have the opportunity to save your money for vacations, new gadgets or Christmas shopping!

money

  • Think carefully before applying for a loan. Do not take out loans without carefully considering all of your options. Some people take out a lot loans and quickly begin to think of this option as easy money. If you aren’t careful this trend may even become a habit you can’t quit.
  • Save. Always put aside some money for “a rainy day”. It’s nice to know that you have money in the bank when you need it. What if you require medication, car repairs or anything else? Consider putting your cash in a box that is hard to access. Put some cash in there every day and don’t allow yourself to take it out until the month is over.
  • Pay bills on time!

Student Life

  • Surround yourself with frugal friends. Focus on individuals who can have a good time without spending a lot of money. Some of your friends will have parents who subsidize them. Don’t let yourself follow the pack by paying for things that you cannot afford. Make sure to speak up when you do not have the money for an activity or meal. It is not worth going into debt for these items.
  • Try to buy only second-hand books. The quality of your studies will not suffer and you will save yourself a significant amount of money.
  • Consider alternatives to driving whenever possible. Use bicycles on short distances or walk to your desired location.

suit

Making money

 

  • Try to find a part-time job that will not interfere with your studies.This will bring you additional income and might help you land a better job once school is over.
  • Spend less than you make. This is the golden rule of money management and one that you should continue for the rest of your life.
  • If you perform well at your job you may get a promotion or at the very least good tips from your customers.

 

Making decisions

  • Restrain yourself from making impulse decisions. Weigh all pros and cons, consider your academic progress and after that decide whether you really need the item you wish to buy.
  • Wait 24 hours before buying something. When you wake the next morning ask yourself if you still want the item you previously wished to buy.

Take care of yourself

Believe it or not being fit and healthy means a lot in terms of money spending.

  • You may sometimes feel overwhelmed with class assignments and personal dramas. You can make your life easier by using a custom writing service and downloading online applications.
  • Play sports. It will keep you strong and healthy and will boost your immune system.
  • Do not smoke or drink alcohol excessively. Bad habits shorten your life and bring problems to your liver, lungs and heart.
  • Eat healthy! Stay away from junk food and favor vegetables, fruit, meat and greenery instead! Your stomach will thank you.

September 1, 2016 at 2:18 PM Leave a comment

What are the best ways to earn money while traveling around the world?

A lot of people dream about traveling to coveted places for more than just a week of vacation. It would be absolutely amazing to lie by the beach, enjoy hot sunny days with a mojito in hand and manage to make money online all at the same time! Some think it is impossible while others go ahead and make their dreams come true. We have prepared five travel jobs to help you earn extra money while traveling. Who knows, if you choose one of these options you might get to see the world and simultaneously fill your bank account with money!

  1. Travel Guide

kayak

Being a travel guide is not easy, of course, as you may need to be the leader of a large group of people. The perk to this job is lots of free time to explore nearby areas. But again, remember that guides usually work in the same place all the time with a very rare possibility to move to another city. If you are a tour guide in Prague you will most likely only be able to visit cities that are close to Prague so your overall travel may be limited.

  1. Freelancing

Freelancing is a great way to work in any part of the globe. All you need is an Internet connection. You may be lying on the beach or climbing Mt. Everest, but you will always have an opportunity to make money. Copyrighting may be a good option for you, (many professional essay writers from Edubirdie are working this way), a designer, translator, etc. The drawback is you need to be a self-motivator and remain focused on your assignments. It can also be difficult to collect payment as customers can be unreliable.

  1. Create your own blog.

If you like to write consider creating your own blog. Choose a particular topic that you know a lot about. Make sure you choose one that will interest your target audience. Learn SEO tricks to make your blog popular and to gain a lot of traffic. When you are done, sell services to other websites ( links, comments, commercial ad etc). Some websites make thousands of dollars each month!

  1. Programming

Fond of IT sphere? Why not try to be a programmer? Lots of companies are in need of good programmers. You can create many applications and specified tools for their companies. You may do that anywhere you wish. Some developers claim to earn thousands of dollars for just a few hours of work each day. How much you earn depends on your skills and how much you are willing to work!

  1. Photography

photography

There are so many services, websites and enterprises that desperately need quality photos on diverse subject matter like food and landscapes. Some people need images of specific locations like the beaches of Thailand or the bars of Barcelona. There are photobanks where you can upload your photos and earn money. You may also capture photos of people, emotions, landscapes and buildings or make seasonal photosets for Christmas, New Year’s Eve, Thanksgiving and other traditional holidays.

There is no impossible in the world! Just think positive and never give up!

September 1, 2016 at 1:53 PM Leave a comment

Keeping Your Money Safe Online

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Research suggests that only 10% of consumers performed their Christmas shopping in stores last year, which implies that 90% of consumers trust online shopping and made it their preferred method for gathering Christmas gifts and other holiday related supplies. Online transactions don’t stop at shopping, and with online gaming and betting becoming increasingly popular, thousands of bank details are being confidently shared via the Internet each day.

While most transactions are legitimate some do result in online fraud via insecure payment methods. How can you ensure that your online activities are protected? Here are a few things to consider.

Stay Away from Suspicious Sites and Applications

Steer clear of websites that do not look professional especially those that constantly inundate you with annoying pop-up ads. Instead use well-known retailers and reputable companies. If you happen to wind up on a lesser-known site make certain to research it and ask your friends or social media for further information.

Trusted Sites Give You Information

Reputable sites provide transparent information about the payment methods offered. One of the best examples of this is the Betway Casino, which offers many different ways to transfer money. It also includes details on how you will receive payment for your winnings. Options include paying for bets and receiving payments through PayPal, Neteller and via PaysafeCard to name just a few.

Use Credit Cards

Credit card companies will often buffer you from fraud. Consider using credit cards over debit cards whenever you are shopping online. Just make certain you pay off your monthly bills in full and on time. That ensures you won’t accrue unnecessary interest and fees.

Don’t Reply to That Email

Never provide personal information based on an email receive. No matter how legitimate these may appear they are almost always fraudulent phishing schemes. Do not reply to the email. Instead contact your bank or credit card company by searching for their numbers on the back of your credit card. If they need your information you can most likely provide it over the phone. Make certain you don’t call the number in the fraudulent email.

Change Your Passwords Frequently

Make certain to change your passwords frequently and make them a mix of characters, symbols and numbers. If you like to use the same password at least make sure you choose something difficult to decipher: no birthdays, no family names and include plenty of obscure characters and a mix of upper and lower case letters.

August 31, 2016 at 3:40 PM Leave a comment

6 Cheap and Healthy Food Choices

eggs

Does it seem like the cost of groceries is constantly rising? Do you think you need to eat ramen noodles and mac-n-cheese to avoid breaking the bank? Would you like to discover inexpensive options that are also healthy and nutritious?  Check out the ingredients listed below for staples that are good for your body and your wallet.

Nuts
Raw nuts like almonds and peanuts can be used in all kinds of recipes. Steer away from the sweetened versions like peanut butter if you want to maximize nutrient intake. Nuts are packed with proteins and unsaturated fats that will act as a reservoir of energy for your body. They make a great snack on their own and can be used in sauces and toppings. Many stir-fry dishes go great with peanuts crumbled up on top. If you want more protein and fiber add almonds to your breakfast oatmeal or cereal.

Fresh Spinach
This amazing green vegetable makes a great main dish or a side dish. It is also a great addition in all kinds of recipes. In a four-cup serving, there is 160 percent of the daily value of vitamin A, 40 percent of the daily value for folic acid and vitamin C, and eight percent of the daily value of calcium. It is also rich in phytonutrients that can help prevent cancer. Try adding spinach to your omelets and pasta dishes. It goes well on a lot of different sandwiches, and is also a great centerpiece for any salad.

Lentils
Don’t underestimate the power of lentils. These legumes are incredibly versatile, and can be used in soups, curries, main dishes, salads, and more. They can even be used to replace ground beef in burger recipes. If you haven’t tried making your own veggie burgers, they can be made in many different varieties, and lentils make a great base. Did you know that a pound of lentils actually has more protein than the same amount of beef?

Garbanzo Beans
Also known as chickpeas, these beans are full of fiber. They make a great curry dish, or if you’re feeling Mediterranean, they also serve as the main ingredient in hummus. They are a great addition to any salad and can be made into a paste to spread on your sandwiches. They are also a good source of protein. Look up different recipes that use them and you’ll realize how versatile they are.

Eggs
Eggs have a high amount of proteins and omega-3 fatty acids, and they make a more filling and nutritious breakfast than just cereal. Eggs taste great with fried rice, home-made ramen, certain types of salads and even in sandwiches.

Whole-Wheat Bread

Whole wheat bread can be used as an alternative to white bread. It has much more fiber and protein. There are a lot of different kinds of sandwiches that you can make with whole-wheat bread. If you are looking for a cheaper and healthier alternative to mayonnaise as a sandwich dressing, consider Just Mayo by Hampton Creek. They use a blend of vegetables to make their sauce, and their goal is to make something that is healthier to eat while being more affordable.

Fill Your Pantry with Health Foods

A lot of these foods need to be cooked right away to maintain their freshness, while others, such as lentils and other dried beans, will keep for a long time. Look up some recipes online, then work with what you have on hand and make an extra special shopping trip for new ingredients in this list. You’ll be surprised by how many inventive and inexpensive new recipes you might like.

August 22, 2016 at 12:03 AM 1 comment

Easy Tips to Save Money While Shopping Online

The back to school shopping season has begun. You want to buy the clothing and school supplies your children need, but you also want to watch your money and spend wisely. Before adding items to your cart and clicking submit, here are a few tried and true steps to help you save money when shopping online.

Comparison Shop

Never buy anything without checking Google Shopping for the cheapest online prices. Simply type the name of the product you wish to buy in the Google search field and compare prices. Don’t forget to check the total price, as some websites also charge tax and apply shipping fees. Then compare these prices to Amazon, which is often still the cheapest option available.

Cash Back Sites

Once you narrow down the list of available stores run a quick query to figure out which cash back website will pay you the most for shopping. Ebates, Mr. Rebates and TopCashBack are all great options, but there are many other sites that will also pay well. Some stores will only provide 2 or 3% cash back, but every penny counts and if you are a frequent online shopper these pennies will soon add up to big bucks. Over the years I’ve earned over $2,000!

Discount Codes

Once you’ve narrowed down the store and cash back options you can move on to step three: searching for discount codes. There are a plethora of sites offering voucher and promotion codes these days. I usually search this website first, but don’t limit yourself to one site and if all else fails do an old fashioned Google search to find a coupon. Keep in my mind that some websites will accept multiple coupon codes. Kohl’s and JCPenney are two stores that let you stack promotions. If you aren’t sure how a site works try entering a couple different ones and see which combination yields the most savings.

More Comparisons

Don’t forget to check the price at the lowest store against other stores offering promotional discounts. For example, a store may carry an item at a higher price but provide free shipping. Shipping alone, even on a small item, is usually in the range of $6 to $8. When comparing the final price don’t forget to take shipping and other discounts into consideration. Voucher codes for free shipping are quite valuable.

Check out the Used Market

Thredup, Schoola and eBay are thrift stores of the Internet. If you don’t need to buy a new item you can always search one of these sites for a slightly used option. These aren’t always the cheapest alternatives, (sometimes you can find new items cheaper with promo codes and discounts), but don’t rule them out either.

Brick & Mortar Options

If you are out and about anyway, consider comparison-shopping at brick and mortar retail stores. Sometimes the prices are cheaper and the convenience of trying on clothes and taking them home that same day can’t be beat.

Don’t Waste Too Much Time

Does it seem like all of this searching and comparing might take forever? If it takes longer than five or ten minutes to find the best deal then purchase the cheapest option you’ve found so far and move on. You don’t want to spend hours on end just to save yourself an extra dollar or two.

August 9, 2016 at 11:37 PM Leave a comment

The More I Purge The Less I Buy

Old Car

If you’re a regular reader of One Frugal Girl you know that I detest clutter. Every few months I clean out my drawers, reorganize my closet and search through unused items in my home. I take books to the library, clothes to the local donation center and list higher priced items on eBay.

The change of season is a perfect time to clean out the house. I get to pack up all of the winter coats and sweaters and box up all of the boots and snow pants. I pull all of the shorts, t-shirts and swimsuits out of storage and move them into the front of my closet. Ahhh, springtime and spring cleaning, what could be better?

So when I saw an article on Washington Post recommending throwing out 50 things I knew I had to read it. I’m not a big fan of the title, because I don’t throw anything other than true trash away, but nonetheless I loved the idea of finding 50 things to donate and give away.

The article is based on a book called Throw Out Fifty Things: Clear the Clutter, Find Your Life. According to the author you should follow these four rules when clearing out the clutter:

  1. Rule No. 1: If the item, memory, job or even person is weighing you down, get rid of it.
  2. Rule No. 2: If the thing is not contributing something positive, let it go.
  3. Rule No. 3: If it takes you a long time to decide whether something needs to be tossed, throw it out.
  4. Rule No. 4: If you’re afraid to throw out something, get rid of the fear.

I haven’t read the book yet, but I’d really love to get my hands on a copy of it. Apparently the book is divided into four parts. It starts by recommending getting rid of unused stuff, by cleaning out your junk drawers. By part three you’re moving on to getting rid of the mental mess, including all of the emotional junk you’ve collected.

Michelle Singletary, the author of the Washington Post article, hits the nail on the head, when she writes,

“People want higher incomes so they can live a better life, and this often just means having more stuff and the debt that goes with the accumulation of it. But what if you started throwing out things? What if the purging process makes you more appreciative of what you have? This has the possibility of making you realize you can can make do with the money you have.”

This has definitely been the case for me. The more I clear the house of unwanted items the more I learn to appreciate just how little I need in life. Since I started the purging process I find myself making fewer and fewer unnecessary purchases.

The first time I riffled through a box of barely worn clothes I felt sick to my stomach. Boxing up all of that wasted money made me vow not to make that mistake again. Now I try my best to only buy what we need when we need it. I’m not perfect, but I’m definitely trying to buy less.

August 3, 2016 at 4:57 PM Leave a comment

What is Your First Money Memory?

Memory

One of my most vivid memories of money came at the age of 11. I became friends with the new girl at school. The new girl and her family moved into a brand new neighborhood that had popped up about a mile from my home. I visited her one Saturday afternoon and was amazed at the size of the home she lived in. It was easily two to three sizes larger than the tiny rancher my family and I lived in. It was also the first home I had ever been in with a ‘guest’ room. It boggled my mind to think that a home could be large enough to have a bedroom that was unoccupied 99% of the time. But at the time I honestly don’t remember thinking “this girl’s family has more money than mine”. I don’t think I equated the size of her home with money.

A few months later though I learned the clear difference between her family’s spending habits and my own. My mother and I were invited on a shopping trip with my friend and her mother. In middle school I desperately wanted to fit in, as all children do, and like any other girl I thought brand name clothes were my ticket to the top of the popularity pyramid. When we arrived at the mall we first went to the Limited. My friend and I tried on clothes while the two moms chatted. Shortly after we emerged from the dressing room with the clothes we wanted. I remember my mom looking at the items I selected. She picked up each item and glanced at the price tags. The other mom didn’t even look at the pile of clothes on my friend’s arm, she simply grabbed them and walked over to the register. While in that store, my mom asked “are you sure these are the clothes you want?” I remember, because she asked me that question at least two or three times. I answered “yes” and she paid for them.

As we continued to shop my friend purchased new clothes from every single store we went in. As my friend’s mom walked up to the register in the second store, my mom turned to me, and said “we just can’t keep buying clothes.” There was something in my mother’s eyes that day. She seemed disappointed that she couldn’t buy more for me. She seemed saddened watching my friend’s mother buy outfit after outfit. My mom didn’t make another purchase that day. It is one of the first true memories I have of the significance of money. Interestingly, my mom remembers that day too. I had a falling out a few years later with that friend. Now 18 years after that incident, my mom said, “I can’t believe how many outfits that woman bought for her daughter.” Obviously, that was a significant day for both of us. It was my first glimpse into the feelings of inadequacy that can be brought on by the lack of money.

August 1, 2016 at 10:00 AM Leave a comment

Become a Millionaire: The Value of Investing

Money

I’m sure you can follow many different paths to become a millionaire, but if you don’t win the lottery or inherit a sizeable trust fund then you’ll probably need to earn money and learn how to invest it.

That’s how I plan to reach millionaire status. I applied for my first job before I was old enough to drive a car or even attain a learner’s permit. Luckily there were a few local businesses within walking distance of my parent’s house. I put on the nicest interview clothes I could find, (a peasant skirt and lace blouse), and knocked on the door of the first business I reached. I was hired on the spot.

I earned minimum wage, which I think was just over $4.00 at the time, and worked eight hours during the summer and three hours every day after school. My parents stressed the importance of good grades, but I also enjoyed the job and loved receiving a paycheck every two weeks.

For as long as I can remember I’ve been interested in counting and saving my money. My brother bought something new every time he cashed his paycheck, but I did just the opposite. I deposited every check and carefully watched the numbers grow in my bank book.

I am a born saver with the innate ability to defer gratification for incredibly long periods of time. Want to fix up the bathroom? No, I’ll wait twelve years. The kitchen? Let’s make it fifteen. The bigger the expense the longer I seem to defer it.

In retrospect this isn’t always the best decision, but for most of my life it is the decision I have made. Rather than spending my money I set it aside and around the age of nineteen I began investing it in a random assortment of individual stocks.

After graduation I continued investing heavily, this time in my 401(k). For twelve years I diligently contributed as much as I could to that account and eventually reached the point where I could set aside the yearly maximum amount. Over that span of time I saved $155,000.

I think this is one of the reasons automatic savings is so valuable. You start out small and increase the percentage ever so slightly with every raise and wham twelve years later you wind up with a large chunk of change!

Thanks to favorable markets and an aggressive investment portfolio that account is currently worth $500,000, so I’m half way to millionaire status!

How do you save and invest? How close are you to reaching one million?

July 24, 2016 at 10:18 PM Leave a comment

How to Save Money on Food and Supplies on Vacation

Footprints

In a few days we’ll pack up the car and head out on a week long trip to the beach. We visit North Carolina fairly frequently, but with my husband acting as the sole provider for our family our last two trips were only two days long. We left late on a Friday night and returned by Sunday afternoon. This will be our first week long vacation since we idiotically waited out Irene last fall.

We’ve owned our beach home for nearly eight years now and over the years I’ve learned quite a bit about saving money when staying in a beach house. If you know the house you’re staying in will have a kitchen, grill, dishwasher and/or washing machine you might find these tips helpful.

The best money saving tip: Bring as much as you can from home. Stock up when things are on sale before you ever leave for vacation.

First, bring rolls of toilet paper and paper towels from home. I ALWAYS buy paper products when I can combine a coupon with a store sale and usually have a stash of them in the house. If you wait until you arrive at your destination you will inevitably pay full price for them at the grocery store. If you buy paper products on sale you can save quite a bit of money by bringing along your stash from home.

I do the same for any household supplies I know we’ll need.  I make certain to bring trash bags, dish soap, dishwashing detergent and laundry detergent. I like to bring along items that can be packaged in smaller units. For example, I like to use Purex 3-in-1 laundry sheets, which act as both the detergent and the dryer sheet. I can just grab a few and don’t have to worry about lugging a heavy bottle around with me. Those little ultrapacks for the dishwasher are similar. You can put a couple in a plastic container or sandwich bag and bring them along. They don’t take up much space in the car and they aren’t heavy.

On most days we eat in while we’re on vacation, so I also bring a bunch of recipes and spices along for the ride. If you know you just need a bit you can measure the ingredients in advance. You can place them in baggies or take the more environmentally friendly solution by placing them into tiny glass containers or clean baby food jars. Everyone knows spices are extremely expensive, so it helps to menu plan a bit in advance. You’ll save a bunch of money on ingredients this way.

I also pack a stack of those marinade mixes that you can purchase by the packet. Again they are easy to transport and typically require nothing more than oil and water. You can find these on sale throughout the year and they last for a very long time. If you have a grill where you’re staying, (most places do these days), you can marinate chicken or meat and make a quick and easy supper.

If you have room to carry a cooler in your car, (we no longer have room in our Camry for one), you can also buy some dry ice or cooling bags and pack meats like ground beef or chicken. I must admit that I do this much more often for one or two day trips to the beach. If I’m going for a whole week I just purchase it at the grocery store and typically know that I’ll pay full price for it. Even at full price it’s still a whole lot cheaper to buy meat and poultry than paying for meals at restaurants.

If you are going to a beach town leave a little room in your cooler and search for fruit and veggie stands along the way. The produce is typically in better condition than you’ll find in grocery stores and the price is usually better too. It’s best to look for stands that are slightly off the beaten path. You’ll pay more for ones with prime locations right along the main roads. We almost always pick up ingredients for pool side smoothies this way.

If you are a coupon clipper bring along coupons for any items you’ll need to buy to complete your recipes. You may find better deals with sales at the store, but it never hurts to be prepared for those every day items like bread, butter, cooking oil and cheese. If you have room to transport these along in your car go for it, but I find it’s easier to just make a trip to the grocery store once I get there.

If you have time clip coupons for chain restaurants between your home and your final destination. My husband and I often stop for sandwiches at places like Subway and Quiznos and Quiznos often has printable coupons available on their website. If you want to save even more money pack sandwiches yourself and snack on them in the car. As an added bonus you may be able to drive for a longer stretch without stopping.

Once you arrive at your destination look around for coupon booklets outside of gas stations and shopping areas. You’ll often find discounts for free appetizers, buy-one-get-one free meals and/or a percentage off your breakfast, lunch or dinner. These booklets also have coupons for local stores, so if you plan to buy clothes, trinkets or souvenirs definitely pick one up before you go.

Despite the best intentions you may still blow your budget on food and supplies while on vacation. You may pass a tasty restaurant and decide to stop in for dinner, you may find a local seafood market and spend large sums of money on steamed shrimp, mussels and crabs. Remember that it’s okay to splurge every once in awhile and if you’ve budgeted for it by all means splurge on vacation! If you want to eat out every night, not pack a single thing and buy everything once you get there it’s entirely up to you. My tips are not meant to keep you confined and repressed during your vacation, they are simply meant to save you a couple of bucks if you choose to use them.

*This post was republished.

July 22, 2016 at 8:00 AM Leave a comment

Forming a Relationship with Money

money

There is no better way to tell a tale than to start at the beginning, and so to comprehend my current finances you must first understand my relationship with money. When I think back on my life, even back to the earliest years of childhood, I have very specific memories of money. Despite the fact that I lived in a middle-class, one-income, family I rarely remember going without as a child. So given that fact, it seems particularly odd that I would remember those rare occasions so vividly.

Take for example, my 9-year-old desire to play the piano. While all the other girls I knew wanted to join the band and play the flute or violin I desperately wanted to play the piano. Honestly, I can’t even remember where I got the inspiration, I don’t remember any of my friends or neighbors playing as a child. For months I begged my parents to buy me a piano and finally one Saturday afternoon we arrived at Stu’s music shop. I remember the way the store was laid out, how the pianos took precedence in the middle of the floor, while guitars and trumpets hung on the walls behind them. The keys looked so black and shiny that I couldn’t resist sitting before them and tapping. I’m sure, my parent’s wanted to fulfill my 9-year-old dream more than anything else in the world, but within moments of our arrival it was all to apparent that they could not afford a piano. I remember the expression on my parent’s faces as we walked out of the music store, minutes later, empty handed.

Although I didn’t realize it at the time, in that moment I formed a distinct association between pain and money. In this case, the pain my parent’s felt in disappointing me. There are other moments in my childhood, like this, that I remember. I’m sure if you think back to your childhood you too can recall incidents with money, whether positive, like the time my dad found money at the ocean, or negative, like the time I lost a roll full of quarters at the carnival.

Although my parent’s didn’t set out to teach me about money that Saturday afternoon, lessons were learned, and ideas unknowingly formed in my 9-year-old mind. I cannot say for certain how that moment affected my relationship with money, but I can say that as an adult I have always been particularly cognizant of the correlation between money and goals. Obviously, not all dreams require money, but many of them do, and so I make a conscious decision with every purchase, to spend today or save for the goals of tomorrow.

If you are reading this, I encourage you to think about your relationship with money and the memories and experiences that have formed those correlations. If the relationship is negative, now is your chance to reflect on it and change it. Looking back on that moment in the music store I could have formed a million different thoughts and feelings about money. Of all the lessons I could have learned, I chose to recognize that saving money can help me reach future goals, while spending will decrease my chance of reaching them.

July 20, 2016 at 12:00 PM Leave a comment

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